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Company Health BenefitsCompany 401k StrategiesIndividual Wealth & RetirementIndividual Health Plans

Seasoned with Health Needs?

We help you select a plan for regular use and anything unexpected.
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Protect what you need, Don't pay for the rest.

If you haven't needed to go to the doctor, why should you pay for a plan that priced assuming you regularly will?
Plan options available January through December
Coming to the understanding that you should have coverage for unexpected or catestrophic medical needs doesn't always occur during normal open enrollment.
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price that matches your need
Don't pay for the bells and whistles if you don't plan on using them.

Cover what YOU need.
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Say Goodbye to the marketplace
If you're young, healthy and don't qualify for tax credits to pay most or all of your health insurance premiums, marketplace isn't necesarily the place for you.
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savings that really mean something.
Save on average $9,500 annually. We can't guarantee that will be you, but if you're on this page because you fit the description, chances aren't bad.
See if You'll Save
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$
9
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0
7
3
3
6
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2
7
6
3
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4
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2
0
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Hero Insight
Access PPO Networks
PPO Network = Lots of doctors.
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Savings shouldn't be limited to premium. Find plans that reduce out of pocket Expense.

What's Coverage Cost?

Let's be very clear. This is the lowest cost for each segment. Though, if you're in the young and healthy bucket, this definitely could be you...
Individuals
Couple
Family

Individuals

$
3
6
2
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3
7
2
8
5
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7
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2
6
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2
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3
7
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0
7
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0
7
3
7
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7
3
3
6
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6
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2
7
6
3
Get Started Now
Get Started Now

Married Couple

$
3
3
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3
3
3
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3
3
3
3
3
3
6
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8
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Get Started Now
Get Started Now

Family w/Kids

$
4
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4
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4
9
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4
4
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4
Get Started Now
Get Started Now

What's Our Process Works

Whether your changing plans or starting fresh, this is the steps we'll take to make sure you get what you need.
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01
Schedule a Call with our Team
Nov, Mar, Jul, or Aug. Meet our Team to see Options Year-round.
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02
Answer a couple simple questions
We'll go over quotes fitting your needs - Catestrophic-only all the way to Fully-loaded
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03
Fill out the enrollment paperwork with Us
If you like working with us and the plan fits, off to the races!
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04
Your Plan goes live!
Access our support team as well as one on one support from your broker.
Take Control
OF YOUR HEALTH - DON'T BREAK THE BUDGET DOing IT.
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ASSOCIATIONS & PARTNERS

Trusted by Agencies and Associations dedicated to 1099 and Businesses Owner success.
Independent Electrical Contractors
IEC is a national trade association with 60k+ member companies, supporting contractors through education, apprenticeships, and business resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and growth.
New Mexico Home Builders Association
New Mexico HBA is a statewide group with ~1,500 members, supporting builders through advocacy, education, and resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and growth.
United Real Estate Group
United RE Group is a national real estate network with 25,000 agents nationwide, equipping them with technology, training, and marketing support, while benefiting from tailored health and financial solutions that support agent stability and long-term growth.
Home Builders and Remodelers Association of Maine
HB&R Association of Maine is a statewide association supporting home builders and remodelers with advocacy, education, and industry resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and business growth.
Keller Williams Arizona
KW Arizona is a regional network within Keller Williams Realty, supporting agents with training, technology, and a collaborative model to serve buyers and sellers, while benefiting from tailored health and financial solutions that support agent stability and long-term growth.
Bettr Health Solutions
Bettr is a referral platform for over 12k  financial professionals, connecting clients—businesses and 1099 contractors—with health and coverage solutions, enhancing client value while supporting stability and long-term growth.
Home Builders & Remodelers Association of Metro East
HB&R Association of Metro East is a regional association supporting builders and remodelers with advocacy, education, and industry resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and business growth.
Home Builders Association of the Upper Peninsula
HBA of the Upper Peninsula is a regional association supporting builders and contractors with advocacy, education, and industry resources, while benefiting from tailored health and financial solutions that strengthen workforce stability and business growth.
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See if You'll Save
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We answer the phone - crazy, we know
We make it a point to limit the amount of clients per broker to ensure they are actually there for you. Service is our promose.
We're there when you need us
With over 40 years of Benefits experence, Forge will help with the right plan and expert support
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benefits experience
Our mission is simple: Clients who have the right plan, that  know how to use it, what it covers and comforted in knowing they have support.
Curtis Johnson
Founder - Forge
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We treat your family like its ours
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* Disclaimer
The content on this page reflects the opinions and analysis of the authors and does not constitute professional advice. Any information presented here about Clearwater, ClearShare, or Clearwater’s “Major Medical” plans is based on publicly available information and should be used for general informational purposes only. If you are seeking accurate or up-to-date details about Clearwater’s plans, benefits, eligibility requirements, or coverage terms, please refer directly to Clearwater’s official documentation (e.g. their Summary of Benefits, plan guides, member materials) or contact them directly. We make no representations or warranties as to the completeness, accuracy, or appropriateness of the information for your particular situation. Your use of, or decisions based on this content is at your own risk.