A real PPO group health plan — designed for franchise owners.
A Group Health Plan that gives single-owner franchisees and independent business owners access to employer coverage on a nationwide PPO provider network. Predictable copays, $0 telemedicine, $0 preventive care, and pricing that's a fraction of an ACA Marketplace or COBRA premium.
Choose your deductible
Four tiers — same benefits, different deductibles.
All four plans share the same copays, network, and out-of-pocket maximum. Pick the deductible that fits your budget.
Lowest deductible
$500
Deductible
$500 / $1,000individual / family
Balanced
$750
Deductible
$750 / $1,500individual / family
Lower premium
$1,000
Deductible
$1,000 / $2,000individual / family
Lowest premium
$1,500
Deductible
$1,500 / $3,000individual / family
Plan highlights
What's covered (and what it costs you).
Summary of benefits — see plan documents for full details, exclusions, and limitations.
| Benefit | In-network member cost |
|---|---|
| Telemedicine (OurLiveDoc) | $0 copay — unlimited visits |
| Preventive care, labs & immunizations | $0 copay, $0 deductible |
| PCP / Specialist / Urgent Care | $50 copay after deductible |
| Independent labs | $25 copay |
| Stand-alone X-rays | $50 copay |
| Advanced imaging (MRI/CT/PET) | $200 copay after deductible |
| Outpatient surgery | $250 copay/service after deductible |
| Inpatient hospital admission | $2,500 copay/admission after deductible |
| Emergency room | $1,000 copay after deductible |
| Generic & urgent care Rx | $0 copay |
| Out-of-pocket maximum | $9,200 individual / $18,400 family |
Out-of-network coverage available — typically copay + 10% coinsurance after deductible. Pre-certification required for advanced imaging, inpatient stays, outpatient surgery, and prosthetics. Elective surgery not covered in the first 90 days.
Sample monthly premiums
Affordable at every age band.
| Tier | Employee | + Spouse | + Child(ren) | Family |
|---|---|---|---|---|
| Ages 18–29 | $369 | $729 | $719 | $999 |
| Ages 30–44 | $419 | $759 | $743 | $1039 |
| Ages 45–54 | $459 | $809 | $789 | $1109 |
| Ages 55–64 | $509 | $839 | $799 | $1129 |
Premiums shown are for the $1,500 deductible tier. Lower-deductible tiers cost modestly more per month. Ask us for a quote specific to your age, ZIP, and household.
Built-in extras
More than just a card in your wallet.
$0 Telemedicine
Unlimited primary, urgent care, and behavioral health visits through OurLiveDoc — no copay, no deductible.
$0 Generic Rx
Generic medications and urgent care prescriptions cost you nothing at the pharmacy counter.
$0 Preventive Care
Annual wellness exams, labs, and immunizations covered at 100% with no deductible.
Ready to enroll?
Get pricing for your exact situation.
Tell us a little about you and we'll send your custom quote, usually within one business day.
- No-obligation quote
- Compare all four deductible tiers
- We'll confirm your doctors are in network
- Dedicated licensed agent — no call center
Common questions
Frequently asked questions
Quick answers for franchise owners and independent operators considering the group plan.
Can a single-owner LLC or sole proprietor join this group health plan?
Yes. You don't need W-2 employees. As the owner-operator of a franchise or independent business, you qualify to join the group plan administered through LifeX Research.
Is this real health insurance or a discount card?
It's a real private group health plan with a nationwide PPO Provider Network, a member ID card, copays, deductibles, and an out-of-pocket maximum — not a discount card, sharing ministry, or short-term plan.
How much can a franchise owner save vs. an ACA Marketplace plan?
Most franchise owners and independent business owners save 30%–50% on monthly premium versus a comparable unsubsidized ACA Silver plan, and up to 75% vs. a COBRA continuation.
Can I enroll outside of ACA Open Enrollment?
Yes. The group plan is available year-round — coverage typically begins the 1st of the following month after a clean application.
Does the plan cover my doctor?
The plan uses a nationwide PPO Provider Network used by most large employers. Before you enroll, your licensed agent will confirm your current doctors are in-network.
Are pre-existing conditions covered?
Coverage may be subject to underwriting. Your licensed agent will review your medical history upfront so there are no surprises after you apply.
Ready to see your savings?
Get a personalized, no-obligation quote in minutes. Plans available nationwide.