Source Health Insurance will return 80–87% of your premiums to an account you own. Launching late 2026 — ACA-compliant coverage designed to protect your health and grow your financial future.
While we finalize insurance licensing, start optimizing your health today. Physician-guided GLP-1, hormone optimization, and longevity programs — available now in all 50 states. Your wellness journey now means faster Investment Premium Reserve (IPR) growth when insurance launches.
The Premium Reserve Difference
Monthly premium
$275–325/month
Where it goes
every dollar, every month
Insurer keeps 100%
After 10 years you own
zero. nothing. gone.
$0
Monthly premium
$275–325/month
80–87% goes to
your name, your money
YOUR account
After 10 years you own
yours to keep, forever
$40–55K+
This is not a gimmick. It is a legal insurance structure called the Investment Premium Reserve. Your money. Your name. Your future.
Simple by Design
Choose your Source Health Insurance plan. Designed to meet ACA requirements. All essential health benefits included. Available in 7 states beginning late 2026.
Access healthcare at self-pay prices — typically 30–70% below insurer-negotiated rates. Works at hospitals, clinics, labs, and pharmacies nationwide.
80–87% of every premium goes to your Investment Premium Reserve. It earns competitive interest (currently targeting ~5% APY, variable), compounds monthly, and you keep it if you ever leave.
A hypothetical Source Health member walks through a dermatology visit. No claims. No surprise bills. No insurance paperwork. Just care.
Hypothetical example for illustrative purposes.
She wants a dermatologist to check it. With Source Health, she picks any dermatologist she wants. No network. No referral. No calling insurance to check if the provider is “in-network.” She books Dr. Patel for Tuesday at 10am.
The front desk asks about insurance. Sarah says:
The receptionist looks up Dr. Patel's published self-pay rate — every provider is required by federal law to have one on file. No insurance card. No pre-authorization. No hold music.
The self-pay rate for a full-body skin exam. No surprise. No “we'll bill your insurance and see what comes back.” She knows the cost before the doctor walks in.
Traditional insurance billing
Source Health self-pay rate
Sarah saves
Full-body skin exam with a dermatoscope. Dr. Patel checks the mole and several other spots. Verdict: benign. No biopsy needed — follow up in 6 months.
At checkout she taps her Care Approved Card on the terminal. Works like a debit card. $185, done. Dr. Patel is typically paid the same day.
Sarah didn't pick which account to pay from. The card routed it automatically — HSA for HSA-eligible expenses, IPR for everything else.
The $265 she saved stays in her IPR, earning competitive interest. Every healthy month, 80–87% of her premium flows into her account.
Estimated IPR accumulation on a $450/mo plan. Hypothetical illustration.
If the mole had been melanoma, Sarah would have been fully covered. Three layers of protection kick in:
IPR Account
Routine and moderate costs paid first from her accumulated balance
Plan Reserve
Costs beyond her IPR balance drawn from the plan's pooled reserve
Out-of-pocket maximum
Past this threshold, everything is covered 100% — no more bills
She wants a dermatologist to check it. With Source Health, she picks any dermatologist she wants. No network. No referral. No calling insurance to check if the provider is “in-network.” She books Dr. Patel for Tuesday at 10am.
Traditional Insurance
Source Health Insurance
Two Plans. One Goal.
HDCP Plan
High Deductible Care Plan
Our signature plan. 87% allocation — the highest Investment Premium Reserve (IPR) growth rate available. Best for healthy individuals who want maximum equity building with lower premiums.
Starting at
$209/month
Typically $275–325/mo · 7 states
HDHP Plan
High Deductible Health Plan
Includes a $100/month wellness benefit — use it for Source Health Wellness services or it rolls into your Investment Premium Reserve (IPR). HSA-compatible for triple tax advantages. 80% IPR allocation.
Starting at
$209/month
Typically $275–325/mo · 7 states
Phase One
Source Health Insurance is in the regulatory approval process for our initial launch states, with coverage beginning late 2026.
ID
Idaho
IA
Iowa
MT
Montana
ND
North Dakota
WY
Wyoming
NH
New Hampshire
VT
Vermont
More states coming in 2027 and beyond. Join the founding member waitlist to be notified when we launch in your state.
Join the Founding Member Waitlist →The Bigger Picture
Coverage is the destination. Savings and wellness are the path.
Your Premium Reserve (IPR)
When insurance launches, 80-87% of your premium goes to an account you own.
Join the waitlist →Source Health Wellness
GLP-1, longevity, hormones — available now in all 50 states. No insurance required.
Explore wellness programs →Premium Credit
Up to $500 of your Source Health Wellness spending counts toward your first Source Health Insurance premium.
Learn how it works →Why You Can Trust Us
All essential health benefits. No pre-existing condition exclusions. No lifetime limits.
Licensed by state insurance departments. Subject to the same consumer protections as every health insurer.
Catastrophic claims are backed by reinsurance partners. Your coverage is protected even in worst-case scenarios.
Your Investment Premium Reserve is legally yours. Not the company's. Not shareholders'. Yours.
Join the waitlist to lock in Founding Member rates before launch — or start with Source Health Wellness today while we finalize licensing.