Your Coverage Options
Plans Built to Build Your Equity
ACA-compliant coverage with the Investment Premium Reserve. Every plan returns 80–87% of your premiums to an account you own.
HDCP
High Deductible Care Plan
$209/month
Starting at · typically $275–325/mo · varies by age & state
11% ($30–36/month) covers administration and reinsurance.
87% allocation — the highest IPR growth rate available. Best for healthy individuals who want maximum equity building. Use the Care Approved Card for self-pay pricing at thousands of providers nationwide.
Annual Deductible
$1,650 individual / $3,300 family
Out-of-Pocket Max
$8,300 individual / $16,600 family
IPR Allocation
87% ($245–290/month)
Administration
11% ($30–36/month)
HSA Compatible
No (not needed)
Preventive Care
$0 cost-sharing
What's Included
- All 10 ACA essential health benefits
- Preventive care at 100%
- Care Approved Card for self-pay pricing
- 87% premium allocation to your IPR
- Competitive variable interest on IPR balance
- Reinsurance for catastrophic events
- 24/7 member support
Best For
Individuals and families who want maximum IPR growth and are comfortable with self-pay pricing for routine care.
HDHP
High Deductible Health Plan
$229/month
Starting at · typically $295–350/mo · varies by age & state
Unique to the HDHP. Use it for Source Health Wellness services (GLP-1, longevity, hormones) — or it rolls directly into your IPR. This benefit creates a direct connection between your insurance plan and your wellness.
15% ($44–53/month) covers administration + wellness benefit. HSA-eligible for triple tax advantages.
HSA-eligible. Pair with your Health Savings Account for triple tax advantages on top of your IPR. The IRS-qualified HDHP structure unlocks the full power of the HSA.
Annual Deductible
$1,650 individual / $3,300 family
Out-of-Pocket Max
$8,300 individual / $16,600 family
IPR Allocation
80% ($251–298/month)
Administration + Wellness
15% ($44–53/month)
HSA Compatible
Yes — IRS-qualified
Preventive Care
$0 cost-sharing
What's Included
- All 10 ACA essential health benefits
- Preventive care at 100%
- Care Approved Card for self-pay pricing
- 80% premium allocation to your IPR
- $100/month wellness benefit (or rolls to IPR)
- Competitive variable interest on IPR balance
- HSA eligibility (triple tax advantage)
- Reinsurance for catastrophic events
- 24/7 member support
Best For
People who want to stack tax-advantaged HSA savings on top of IPR equity building. Maximum financial optimization.
Both Plans Include
No pre-existing condition exclusions
No lifetime or annual limits
All 10 ACA essential health benefits
Preventive care at 100% (no cost sharing)
Care Approved Card access
Investment Premium Reserve (IPR) with competitive variable interest
Catastrophic reinsurance protection
Portable IPR balance (yours if you leave)
Source Health ecosystem integration
24/7 member support
Transparent Pricing
Transparent Pricing
Source Health Insurance premiums are filed with state regulators and are not subject to medical underwriting. Your premium is based on your age, location, and plan selection — the same factors that determine premiums for every ACA-compliant plan.
Sample Monthly Premiums
HDCP plan · estimated · subject to state regulatory approval
Age 26
$265/month
Age 30
$285/month
Age 35
$275–325/month
Age 40
$357/month
Age 45
$402/month
Age 50
$481/month
Age 55
$563/month
Age 60
$650/month
Family (2 adults + 2 children)
$890–1,200/month
These are estimated premiums subject to state regulatory approval. Actual premiums may vary. Subsidies through the ACA marketplace may be available depending on your income.
State Availability
Launch States
Idaho
Late 2026
Iowa
Late 2026
Montana
Late 2026
North Dakota
Late 2026
Wyoming
Late 2026
New Hampshire
Early 2027
Vermont
Early 2027
Not in these states? Join the founding member waitlist and we will notify you when we expand to your state.
Plan Questions
Can I switch between HDCP and HDHP?
Yes, during annual open enrollment periods, the same as any ACA plan. Qualifying life events (marriage, new dependent, loss of other coverage) also allow mid-year changes.
Are these available on Healthcare.gov?
Source Health Insurance plans will be available both on and off the marketplace, depending on state regulatory requirements. On-marketplace plans are eligible for Advanced Premium Tax Credits.
Do ACA subsidies apply?
If purchased through the marketplace, eligible individuals may qualify for Advanced Premium Tax Credits based on income. Contact us or check Healthcare.gov for subsidy eligibility. Founding Members will receive guidance during enrollment.
What about dental and vision?
Pediatric dental and vision are included as required by the ACA. Adult dental and vision are available as supplemental coverage options.
Start Building Today
Join the founding member waitlist to lock in your rates and receive priority enrollment before launch.
Start Building Today