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Healthshare Plans

High-quality plans
to fit any budget

A unique solution for individuals and families looking to lower their monthly costs.

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Healthshare Plans

Advanced + ClearShare

Enjoy low out-of-pocket costs for common services like doctor visits, prescriptions, and tests. Perfect for families looking to make the most out of their healthcare.

More about Advanced Plans

Basic + ClearShare

Low costs for doctor visits and prescriptions.

More about Basic Plans

HSA + ClearShare

This plan pairs an HSA-eligible minimum essential coverages (MEC) plan for day-to-day services with a healthshare membership.

More about HSA Plans

ClearShare

ClearShare plans consist of a medical cost-sharing solution that can greatly reduce your out-of-pocket risk.

More about ClearShare Plans

Holistic Premium + ClearShare

Enjoy low out-of-pocket costs for common services like doctor visits, prescriptions, and tests. Perfect for families looking to make the most out of their healthcare.

 

More about Holistic Premium Plans
Not sure which plan is right for you? Our quote tool can help you decide!
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What is a healthshare?

A healthshare is a membership where individuals share the costs of healthcare. It’s not insurance, but a cost-sharing community. ClearShare is a healthshare product offered by Clearwater!

Plan comparison
Advanced + ClearShare
Basic + ClearShare
HSA + ClearShare
ClearShare
Preventive care visit
Free
Free
Free
$0 after Annual Max
Primary doctor visit
$0, up to $150 (Limit: 3)
$0, up to $150 (Limit: 3)
Full Price
$0 after Annual Max, up to $150
Specialist doctor visit
$0, up to $200 (Limit: 3)
$0, up to $200 (Limit: 3)
Full Price
$0 after Annual Max, up to $200
Urgent Care
$0, up to $150 (Limit: 3)
$0 after Annual Max, up to $150
$0 after Annual Max, up to $150
$0 after Annual Max, up to $150
Bloodwork
$0, up to $15/test (Limit: 5)
$0 after Annual Max, up to $15/test
Full Price
$0 after Annual Max, up to $15/test
X-Rays
$0, up to $50/test (Limit: 5)
$0 after Annual Max, up to $50/test
$0 after Annual Max, up to $50/test
$0 after Annual Max, up to $50/test
Imaging
$0, up to $350/test (Limit: 2)
$0 after Annual Max, up to $350/test
$0 after Annual Max, up to $350/test
$0 after Annual Max, up to $350/test
Network
Unrestricted
Unrestricted
Unrestricted
Unrestricted
24/7 Telemedicine
$0
$0
$0
$0
Virtual Mental Health
Care Coordination service
Plan comparison
Preventive care visit
Primary doctor visit
Specialist doctor visit
Urgent Care
Bloodwork
X-Rays
Imaging
Network
24/7 Telemedicine
Virtual Mental Health
Care Coordination service
Advanced + ClearShare
Free
$0, up to $150 (Limit: 3)
$0, up to $200 (Limit: 3)
$0, up to $150 (Limit: 3)
$0, up to $15/test (Limit: 5)
$0, up to $50/test (Limit: 5)
$0, up to $350/test (Limit: 2)
Unrestricted
$0
Basic + ClearShare
Free
$0, up to $150 (Limit: 3)
$0, up to $200 (Limit: 3)
$0 after Annual Max, up to $150
$0 after Annual Max, up to $15/test
$0 after Annual Max, up to $50/test
$0 after Annual Max, up to $350/test
Unrestricted
$0
HSA + ClearShare
Free
Full Price
Full Price
$0 after Annual Max, up to $150
Full Price
$0 after Annual Max, up to $50/test
$0 after Annual Max, up to $350/test
Unrestricted
$0
ClearShare
$0 after Annual Max
$0 after Annual Max, up to $150
$0 after Annual Max, up to $200
$0 after Annual Max, up to $150
$0 after Annual Max, up to $15/test
$0 after Annual Max, up to $50/test
$0 after Annual Max, up to $350/test
Unrestricted
$0

See the ClearShare Member Guidelines for complete sharing eligibility, limits, and exclusions.

The annual max is the amount that you would pay for applicable services before the ClearShare community shares in medical expenses.  If you have family members on the plan, they have to meet their own Annual Max until the overall Family Annual Max has been met.

Family Annual Max
Annual max tier: $1000
Annual max tier: $2500
Annual max tier: $5000
Member Only
$1000
$2500
$5000
Member + Children
$2000
$5000
$7500
Member + Spouse
$2000
$5000
$7500
Member + Family
$3000
$7500
$10000
Family Annual Max
Member Only
Member + Children
Member + Spouse
Member + Family
Annual max tier: $1000
$1000
$2000
$2000
$3000
Annual max tier: $2500
$2500
$5000
$5000
$7500
Annual max tier: $5000
$5000
$7500
$7500
$10000

How it works

The healthcare solutions we offer combine the most valuable benefits and supplemental insurance with the largest network at an affordable price:

  Save on fixed medical expenses
  Improve your network and benefits
  Reduce financial risk around accidents or illnesses
  Find a plan that provides for your unique situation

Take advantage of supplemental insurance plans

Stay up to date with annual appointments, such as teeth cleanings and vision exams, or secure yourself financially in the event of an unexpected illness or accident.

Clearwater Benefits offers several supplemental plans, including vision, dental, critical illness, and accident.
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Love from Our Community

Hear it from our members: There's lots to love.

Chad and Jen Beasley
Chad and Jen Beasley
Clearwater Member
EXP Realty
Affiliate
Jimmy N.
Clearwater Member
Jeff Levitan
Jeff Levitan
CEO, Bettr
Brandon and Mary Snyder
Brandon and Mary Snyder
Clearwater Member

Clearwater took the time to listen and help us explore what would work best for us. Within two months, we had saved enough money through the plan we chose to cover the premium for one month. I highly recommend Clearwater for an honest look at your healthcare.

Ashley A.
Clearwater Member

Our teams love Clearwater and their benefits. They deliver immense value to our most important partner, our independent contractor real estate agents. Clearwater is a game changer, a trusted partner, and an important part of the eXp growth story.

Glenn Sanford
Glenn Sanford
CEO eXp Realty

I’m already saving $$$, plus the health benefits are much better! This is truly one of the best

Jesse G.
Jesse G.
Realtor

Better care. Better cost.

$8,000*

Average annual savings

PPO

Network upgrade

80%

Out-of-pocket savings

*Estimate is based on an average of annual data and will not apply to every individual customer.

Frequently Asked Questions

What is a healthshare?

A healthshare, also known as medical cost sharing, is a nonprofit program that provides an organized structure for a community of members to contribute toward each other’s medical costs.

What is ClearShare?

ClearShare is healthshare; a membership-based community of individuals established for the purpose of sharing eligible healthcare expenses between Members as described in the Member Guidelines. ClearShare is not insurance.

When can I enroll in ClearShare?

You can enroll in a ClearShare membership at any time.

When does my membership start?

For ClearShare memberships, your effective date is on the first of the next month, or the first of a future month.

How long does my membership last?

You will keep your membership for 1 year after your effective date.

Can I switch my membership?

You can only switch memberships (to/from Advanced or Basic) at your 1-year renewal date or during Open Enrollment.

Members may choose to change their Annual Maximum ($1000, $2500, $5000) at your 1-year renewal date or during Open Enrollment.

Read all FAQs

Ready to get started?

Click to get started on building the perfect plan for you – complete with supplemental insurance.

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