$0 Deductible - first-dollar benefits.
A different approach to coverage. Indemnity plans pay set dollar amounts the moment care happens - no deductibles to meet for outpatient services and no restrictive networks. A solid alternative to traditional high deductible health plans. Ideal for those in their 20's - 40's who don't require maternity coverage.
Why owners love it
No copays. No deductibles for outpatient care. No network restrictions.
A simpler, more affordable way to protect yourself - available throughout the country and guaranteed renewable to Age 65.
First-dollar outpatient benefits
Paid the moment an insurable event occurs.
Real inpatient protection
Hospital stays, surgeries, and critical conditions.
See any doctor
In-network or out — same benefits, your choice.
Virtual care included
No extra cost. Skip the waiting room.
Pick your benefit level
Multiple benefit levels — same plan, scaled to your needs.
All benefit tiers cover the same things at different dollar amounts.
Healthcare saving tools
Included is a full suite of tools to help you find quality care at a fair price.
Healthcare Advisors
Experienced claims professionals, nurses, and care coordinators help you find quality care at a fair price before you receive treatment.
Free Telehealth
Virtual care from your home or on the go — included at no extra cost.
Medical Concierge
Advocates work on your behalf to lower out-of-pocket medical bills.
Apple & Android Mobile App
ID cards, benefit information, and claims history all in one place.
See if it fits
Get a fixed-benefit quote.
Tell us about your coverage needs and we'll send personalized pricing.
Common questions
Frequently asked questions
Quick answers about how fixed-benefit coverage works for self-employed owners.
What is a fixed-benefit (indemnity) health plan?
A fixed-benefit plan pays set dollar amounts for specific services — doctor visits, labs, hospital stays, surgeries — starting from the first dollar. There's no deductible to meet for outpatient care and no network restrictions.
Who is a fixed-benefit plan best for?
Healthy self-employed owners in their 20s, 30s, and early 40s who want the lowest possible monthly premium, don't need maternity coverage, and want freedom to see any provider in the country.
Can I see any doctor I want?
Yes. Fixed-benefit plans pay the same benefit amount whether you go in-network or out-of-network, so you keep full freedom of provider choice nationwide.
Is it cheaper than COBRA or an ACA Marketplace plan?
For most young, healthy franchise owners and 1099 contractors, yes — often significantly. The trade-off is set-dollar benefits instead of percentage-of-cost coverage on catastrophic events.
Is the plan guaranteed renewable?
Yes. The Optimum Health Saver fixed-benefit plan is guaranteed renewable to age 65 as long as premiums are paid on time.
Ready to see your savings?
Get a personalized, no-obligation quote in minutes. Plans available nationwide.