ONE Healthcare System
Schedule a Call

For 1099 Independent Agents

Health coverage for
independent sales
professionals

As a 1099 independent contractor, the ONE Healthcare System offers a few options to cover yourself and your family — built for the way you work.

Compare Plans

Your Enrollment Journey

Five steps to the right coverage

A guided path for 1099 independent agents — from picking your plan to enrollment.

  1. 01

    Choose Your Plan

    Triad · Clearwater · ClearShare

  2. 02

    Medical Coverage

    Confirm major medical

  3. 03

    Marketplace Option

    Check ACA subsidy

  4. 04

    Supplemental

    Add-ons if applicable

  5. 05

    Enroll

    Complete form

01

Step 01 · Compare Your Options

Pick the Path That Fits Your Coverage

Three Options for Individuals

Pick the path that fits your coverage needs

From traditional PPO coverage to care-coordinated savings to community sharing — every option is curated for Realty ONE Group independent agents.

Standard Major Medical · Powered by Triad

Coverage without compromise.

Nationwide Cigna PPO access, predictable costs, and straightforward benefits — no networks to guess, no surprises to budget for.

  • Full Cigna PPO network including hospitals
  • Optional Physician-Only PPO for ~12% savings
  • DisclosedRx drug savings — high-cost drugs to $0
  • EVO telemedicine urgent care nationwide
  • HSA-friendly to reduce taxable income
  • If you do not have an EIN and are not incorporated, you have the same opportunity to enroll in the Standard Plan, which is underwritten.
  • 1099 Contractors will be underwritten on a pass/fail basis and will be issued rate tier 4.
  • If you have an EIN, you have additional flexibility for rate issuance and will want to apply as a business.
Plan Summary & RatesSchedule a Call

Advanced Major Medical · By Clearwater & Trident

Smarter care. Lower costs.

A personal Care Advocate helps you find high-quality, low-cost providers — often bringing your care down to $0. Proactive coverage that rewards smart choices.

  • $0 Tier-1 benefits via Care Coordination
  • Age-rated premiums favor low-utilizers under 45
  • Copay plans: $3,500 / $5,000 / $7,500 / $10,000 deductibles
  • HSA-eligible $10,000 plan available
  • $0 virtual care through AMAZE Health
Guaranteed issue with pre-existing condition coverage. Schedule a call first to confirm continuum of care.
Review Current Monthly RatesSchedule a Call

HealthShare Program · By ClearShare

Community care. Shared savings.

Not insurance — a community of members who help each other with major medical costs. Affordable monthly contributions, $0 telemedicine, nationwide PPO access.

  • Community-based cost sharing for major expenses
  • PHCS Clarity nationwide PPO network
  • Generic Rx covered + brand/specialty discount card
  • $0 virtual care through AMAZE Health
  • Designed for healthy, low-utilization members
Pre-existing condition limitations apply. Review the ClearShare Member Guidelines before enrolling.
Get Rates / EnrollSchedule a Call
02

Step 02 · Marketplace Option

See If You Qualify for an ACA Subsidy

Marketplace Option

Could you qualify for an The Patient Protection and Affordable Care Act, or “ACA” for short, is a comprehensive health care reform law enacted in March 2010. It has three primary goals: make affordable health insurance available to more people by providing subsidies (“premium tax credits”) that lower costs for households with incomes between 100% and 400% of the federal poverty level; expand the Medicaid program to cover all adults with income below 138% of the FPL (not all states have expanded); and support innovative medical care delivery methods designed to lower the costs of health care generally. subsidy?

Individuals making less than $62,600 (families of four under $128,600) may still qualify for premium tax credits on the Health Insurance Marketplace. Select a policy during Open Enrollment each fall — or anytime with a qualifying life event.

Enhanced credits from the American Rescue Plan / Inflation Reduction Act sunset December 31, 2025; standard credits remain available.

  • These options are guaranteed and do not require qualification or evaluations to issue the policy.
  • As an individual, you pay the policy premium using post-tax dollars.
  • You own the policy as an individual, and your policy is portable, regardless of where you work.
  • These are defined as When someone is discussing typical health insurance coverage, they are usually referring to major medical insurance. Major medical health insurance covers all the minimum essential benefits and meets the standards of the Affordable Care Act (ACA) for individual and family coverage. It often covers preventive care services, urgent care visits, emergency room visits, prescription medications, and other routine medical expenses..
Shop the Marketplace

Guaranteed Issue

No medical evaluation required to enroll.

Major Medical

Full ACA-compliant coverage including essential benefits.

Portable

You own the policy regardless of where you work.

Post-Tax Premiums

Pay individual premiums with post-tax dollars.

03

Step 03 · Add a Safety Net

Layer On Supplemental Coverage

Supplemental Insurance · By Clearwater

Add a safety net for the unexpected

Available to individuals who are not incorporated. Sole proprietors with an EIN are eligible for business supplemental options.

Critical Illness

Lump-sum benefit paid on first diagnosis of covered conditions like heart attack, stroke, invasive cancer, or ESRD. Use the funds however you choose.

Review Plan

Accident Insurance

Scheduled benefits for medical charges from a covered accident, paid directly to you and applied per incident regardless of plan year.

Review Plan
Get Rates / Enroll
04

Step 04 · Final Step

Enroll With a Licensed Consultant

Ready to Enroll?

Let's design your coverage

Complete the form below to get started. A licensed Arcwood consultant will compare your options across Standard, Advanced, HealthShare, and the Marketplace — and help you enroll with confidence.

Having trouble viewing the form? Open it in a new tab.