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For Open Enrollment, pick what's best for you...

I want to re-enroll with my Clearwater PlanI'm not sure if i should re-enroll with CWI need help finding a different plan

Hello, from your broker

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

Highlights for 2026

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 9 to 10% for 2026. You should already have your rates from your Broker.

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. There is only coverage for prescriptions on the plan's list of drugs - its formulary.

Search the Formulary
I pay so much in premiums - Why is my plan so expensive to USE?

Premiums have been going up and up... this year is the worst we've seen in a long time. But seemingly the plan isn't getting any better!?! Are there any strategies available to save me money on my health plan when I need to use it? The answer, of course, depends on your situation. Learn more in this short video.

Kill the "WAITING" - Move Straight to "Investment-Ready"

We're going to talk about 3 actions you can do to eliminate the extra time spent "waiting" to invest.

There’s so much more to it!

Developing a successful digital product is a complex process that requires choosing the right partner, applying innovative solutions, and following reliable processes.

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See our Blog

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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.