Review your current coverage
Check deadlines, costs, providers, and what you would give up.
Independent work. Healthcare on your terms.
New projects, different clients, changing schedules. Your healthcare decisions should fit the way you work. Explore SakeOf without relying on a traditional employer health plan.
For the work and life you're building.
No employer requiredApply independently of your clients.
Month-to-monthExplore membership as work changes.
Bring your householdEstimate for one person or a family.
Your clients change. Your approach to care can stay clear.
Working contract to contract often means making healthcare decisions on your own. SakeOf gives independent workers another option to evaluate alongside health insurance.
Explore the member experienceKnow the monthly picture
Estimate contributions rather than guessing what membership could cost.
Work wherever life takes you
There is no SakeOf-specific provider network; guidelines still apply.
Ask for a human when it matters
Member advocacy can help with care navigation and medical bills.
From a new contract to your next step.
Estimate your household cost
Try SakeOf's existing calculator with your own household details.
Decide with the full terms
Read the member handbook before applying for sharing membership.
What could healthcare cost with SakeOf?
Build an estimate around your household and the options that matter to you.
Plan Type
Household Members
Coverage Options
🤰
Maternity Care
💊
Rx and Prescription Benefits
📞
Zero Copay Telemedicine
Requires Rx and Prescription Benefits
🧠
Mental Health and Counseling
Requires Rx and Zero Copay Telemedicine
🏥
Virtual Primary Care
Requires Rx and Zero Copay Telemedicine
🌿
Chiropractic and Acupuncture
🦷
Dental and Vision Discounts
🧩
Physical and Occupational Therapy
🦽
Durable Medical Equipment
Member Commitment Per Event
Your Estimate
$0
estimated per month
Base membership
$0
Community ask cap
$0
Monthly total
$0
Plan Details
Base fees capped at $300 per household.
Join Community
Your health deserves attention, too.
SakeOf Labs makes it easier to keep up with your health while working for yourself. Choose a blood testing panel, request an at-home draw where available, and follow your results over time.
Explore SakeOf LabsAt-home blood draws
A licensed phlebotomist visits your home or office in available service areas.
40+ or 70+ biomarkers
Choose a Core or Complete panel based on how much detail you want.
Track your results
Review your dashboard and compare changes across future draws.
Healthcare help that doesn't depend on a boss.
Explore the tools and people available through SakeOf membership, including care guidance and member advocacy.
Questions worth asking.
Read the membership guidelinesDo I need an employer or W-2 job to join?
No employer sponsorship is required to apply for SakeOf. Independent contractors and 1099 workers can explore membership, subject to eligibility guidelines.
What if my income changes each month?
You can estimate membership contributions before deciding to join. Monthly membership terms apply even if your contract income fluctuates, so plan for that expense and review cancellation requirements.
Can I include my partner or children?
SakeOf has household membership options. Add members in the calculator to explore an illustrative monthly contribution.
Can I join between contracts?
You can apply without waiting for a traditional insurance open enrollment period. Review eligibility and any applicable waiting periods in the membership guidelines.
Will SakeOf cover every medical bill?
No. SakeOf is not health insurance. Only eligible expenses may be shared under the published guidelines, and sharing is not guaranteed. SakeOf does not provide ACA-compliant insurance coverage.
Are contributions tax-deductible for 1099 income?
Do not treat SakeOf contributions as deductible insurance premiums without advice specific to your situation. A qualified tax professional can help you evaluate the rules.
Working independently? Let's talk.
Ask a SakeOf Guide about your options.
800-212-5920
Or explore healthcare for self-employed professionals.
Your next contract isn't your whole story.
Explore healthcare sharing for the life you're building, and make an informed decision before joining.