We're your new broker

Looking to move on from Clearwater?

We're here to help you make the right next choice.

Clearwater's not right for everyone. We can help you find a carrier that fits your needs. This will take you under 3 minutes.

Working with us as a broker doesn't cost you anything and gives you a single person that actually answers your messages, and ensuring you get the help you need to succeed with whatever plan.

If you decide Clearwater's not right for you, as broker we can help you cancel.

I would like to have Curtis Johnson and Forge Financial Services Inc. take over as my Broker of Record for my Clearwater Plan effective immediately.I would like to continue using Clearwater's call center instead of having a broker to contact for support and act as an advocate for denials and appeals.

First Name *Last Name *Email Address *ZIP Code

Do you have any major health issues or major prescriptions - currently or in the past 12 months?What household type do you have?What are the ages and genders of everyone needing coverage in the household?What are the most important factors for you in your selecting a health plan?

I'd like to schedule a meeting before re-enrolling.

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Picking a new health plan for 2026?

If you've decided moving on is the best course of action for you and your family, we're here for you.

Sometimes the "best plan" isn't the best plan for you.

Independent brokers

With over 10 years of insurance experience and access to all major carriers, you don't have to worry about being pushed into a one-size-fits-all solution or stuck with one carrier.

Find the best care

What's right for your next door neighbor isn't necessarily right for you.

We find the best plan based on your needs and priorities.

What type of access do you need?

Do you have doctors you regularly see? Haven't even started looking? We'll help you find a plan for either scenario.

RX for your needs

When we get on we'll assess any medication you and your family are taking and make sure you have the info you need to assess the cost/benefit

How did I get on your radar? Is legit?

Let's be honest, with all the spam out there, we completely understand the question... and take no offense.

The answer in this case is really simple - take a look for an email from the Chief Revenue Officer, Jack Hawthorne.

The subject line is: Clearwater, Exciting Update and Introduction:

Looking to schedule a call with us first?

Let's schedule a time to meet for 15 minutes to explore how you could save 20-30% on your company's benefits.

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Major plan changes for 2026 with Clearwater

While not all change is good, for the most part, the changes made to the 2026 Major Medical plans from Clearwater Benefits have shown to be a better fit for most of the clients we've already met with.

Greater stability

While many carriers across the nation are seeing between 20-40% increases, Clearwater's plans increased by under 10% for 2026.

Access to $0 Care

You'll still have access to Tier 1 coverage. While not guaranteed, allowing Clearwater to find a provider for an imaging, surgery or procedure could result in your deductible being waived. (Tier 1 not available on the HSA 10,000 plan.)

A stronger PPO network

Clearwater's 2026 MM plans have switched to the Prime Health Services Network. This changes increases the provider-count by over 200,000.

Explore the Provider Network

Low cost RX

Many MM plans now offer $0 generics and Name brands as long as they're on the formulary.

Search the Formulary

Take a look under the hood...

Let's face it, while we understand these plans quite well, it's always smart to refer to the source. Please refer to Clearwater's Summary of Benefits and plan guides for details and clarification of any information provided here.

MM 3500

Plan Overview - MM 3500

MM 5000

Plan Overview - MM 5000

MM 10,000

Plan Overview - MM 10,000

HSA 10,000

Plan Overview - HSA 10,000