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Insurance Agents & Brokers

Close deals
every month
of the year.

SakeOf gives you a healthcare alternative your clients actually want — transparent pricing, no qualifying events, and a modern sharing model built for individuals, families, and businesses.

Add it to your portfolio. Earn recurring commissions. Help more people access affordable care.

Apply to Partner See how it works
0 OEP
No open enrollment windows
12 mo/yr
Months you can sell
Any provider
No network restrictions
Recurring Commissions
Earn every month your clients stay active
Active
Open Now
Year-round Enrollment
No qualifying events needed
Open to everyone
No faith statement required
Transparent pricing
Clients see every dollar

SakeOf is a healthcare sharing arrangement, not insurance — members share eligible costs with one another. Agents must disclose this before enrollment.

The Opportunity

Your clients are priced out.
You have a new answer.

Traditional premiums keep climbing. Clients above the subsidy cliff absorbing $800+ monthly plans need an alternative. Here it is.

0
Qualifying events required
Enroll any client any day of the year. No life event, no seasonal scramble.
12
Selling months per year
Stop waiting for open enrollment. Build your book all year long.
↻
Recurring commissions
Earn ongoing income for as long as clients remain active members.
50%+
Potential savings vs. ACA
Clients priced out of marketplace plans often find SakeOf significantly more affordable.
Any
Provider, no network limits
Members see any doctor, anywhere. No networks to explain or navigate.
High
Member satisfaction
Transparent models earn trust. Satisfied clients stick around and refer.

Process

From application to commission in four steps

1
Apply to partner
Submit your agent application. Review is fast and we onboard qualified brokers quickly.
2
Get certified
Complete a short compliance orientation so you can present SakeOf accurately and legally.
3
Enroll clients
Use your unique partner link to enroll individuals, families, or employer groups any time.
4
Earn recurring
Commissions paid monthly for active members. Your book compounds with every enrollment.

Why agents choose SakeOf

Eight reasons to add this to your portfolio

No open enrollment. No qualifying events. Close all year.

This is the single biggest advantage for agents. Traditional insurance is gated behind OEP windows and qualifying life events — most of the year you can't help the client who calls you in July. With SakeOf, the door is always open.

Enroll clients immediately when the need arises
No qualifying event required — job loss, marriage, or birth not needed
New enrollees begin within days, not months
Build pipeline and close deals in every season

Recurring commissions that compound

One-time commissions are a treadmill. SakeOf pays you every month a client stays active. Enroll 20 families and you're building a monthly income stream, not starting from zero. Your book grows in value with every enrollment.

Works for individuals, families, and employers

One product, multiple verticals. Self-employed consultants, families priced out of ACA plans, small business owners. SakeOf fits all three, letting you sell across your entire existing client base.

Non-religious — no faith statement required

Most healthcare sharing ministries require religious affiliation. SakeOf does not. It's a secular, modern sharing model open to everyone. You can offer this to every client, regardless of their beliefs.

Transparent pricing clients actually understand

Clients are tired of plans they can't decode. SakeOf is radically simpler. Members know exactly what they contribute and where it goes. That clarity builds trust in you as their agent.

No network restrictions

Your clients keep their doctors. No prior authorizations, no network anxieties, no surprise bills. Any provider, anywhere — members pay and seek sharing reimbursement.

Real savings for cost-conscious clients

Clients above the ACA subsidy cliff can pay $1,000+ per month for a family plan. Contributions are significantly lower for many. When you show the side-by-side numbers, the conversation changes.

Higher satisfaction drives retention

Members who understand their healthcare and see real savings stay and refer others. Lower churn on your commissions, more inbound referrals. Happy members are your best marketing.

Client fit

Who this works best for

SakeOf is not the right fit for every client. Here's where it genuinely shines.

Self-employed individuals
Freelancers, consultants, and independent contractors who buy their own coverage and feel the full weight of rising premiums.
Small business owners
Owners who want to offer something meaningful to themselves or their team without the full overhead of group insurance administration.
ACA subsidy cliff clients
Clients who earn just enough to miss ACA subsidies and are absorbing full-price marketplace premiums that no longer make sense.
Uninsured families
Families who went uninsured because every traditional option was unaffordable and have been hoping for something in the middle.
Employers seeking alternatives
Businesses exploring healthcare options that don't require the full commitment of employer-sponsored insurance administration.
Clients who value transparency
Anyone who has called their insurer and still couldn't understand what they owed — and wants a model that actually makes sense.

Compliance & clarity

What you need to know before presenting SakeOf

Accurate disclosure is your responsibility. Here is a clear breakdown of what SakeOf is and is not so you can present it correctly every time.

What SakeOf is
A healthcare sharing arrangementMembers voluntarily pool contributions to cover each other's eligible medical expenses through a structured sharing model.
Non-religious and inclusiveNo faith statement or religious affiliation required. Any eligible adult can join.
Open year-roundNew members can enroll any time — no qualifying events or open enrollment windows apply.
Transparent in its structureMembers can see sharing guidelines, contribution levels, and eligible expenses before joining.
Available to individuals, families, and groupsWorks across all three client types, giving you flexibility to sell to your full book.
What SakeOf is not
Not health insuranceSakeOf does not issue insurance policies, is not regulated as insurance, and sharing is not guaranteed the way insurance claims are.
Not ACA-compliant coverageMembership does not satisfy any federal or state insurance mandate where applicable.
Not guaranteed paymentSharing requests are subject to published guidelines and community fund availability. This is member-to-member sharing, not an insurer's obligation.
Not appropriate for every clientClients with complex or chronic conditions, or those who need the certainty of an insurance contract, may be better served by traditional coverage.
Never present it as equivalent to insuranceAlways position SakeOf as an alternative — never as equivalent to health insurance in terms of legal protections.

Side by side

How the agent experience compares

What matters to agents Traditional insurance SakeOf sharing
Enrollment timing Open enrollment only, or with a qualifying event Any time, year-round
Commission structure Typically one-time or annual at renewal Monthly, recurring while client is active
Client monthly cost Full premiums, often $400–$1,200+ per month Significantly lower contributions for many demographics
Provider access In-network required for full benefit Any provider, no network limits
Client transparency Complex: deductibles, coinsurance, OOPs Simple: monthly contribution + clear sharing guidelines
Religious affiliation required Not applicable No — fully secular, open to everyone
Employer group eligibility Yes, with complex admin requirements Yes, with a simpler structure
Legal protections Full state-regulated insurance guarantees Member sharing guidelines — not insurance. Must be disclosed clearly.

Questions

What agents ask us most

Because SakeOf is not insurance, it is not sold under an insurance license in the same way traditional health plans are. However, you should confirm your jurisdiction's rules around presenting non-insurance health products. Agents are required to complete SakeOf's partner compliance orientation before enrolling clients, ensuring you understand how to present it accurately and legally.
SakeOf pays partner commissions on a recurring monthly basis for as long as your referred members remain active. Your partner portal provides a real-time dashboard showing active enrollments, contribution status, and commission history. Contact the partner team for current rate details after your application is approved.
Both. SakeOf works for individual members, family units, and employer groups who want to offer a healthcare sharing option to their teams. Employer group enrollments follow a slightly different onboarding flow. Your partner rep will walk you through the process once you're onboarded.
Transparency is the foundation. You explain that SakeOf is a healthcare sharing arrangement — members voluntarily contribute monthly and can request sharing for eligible medical expenses. It is not insurance, does not issue policies, and sharing is governed by published member guidelines rather than state-regulated insurance law. Most clients appreciate the honesty and simplicity once it's explained clearly. The partner orientation covers compliant scripting and presentation best practices.
Clients with complex ongoing medical conditions, those who rely on guaranteed insurance protections, clients who need ACA-compliant coverage, or individuals who require the legal certainty of an insurance contract should be steered toward traditional health insurance. SakeOf works best for relatively healthy individuals and families looking for an affordable, transparent alternative to high-premium plans.
Enrollment processing typically completes within a few business days. Members receive welcome materials and sharing guidelines quickly after approval. There is no waiting for an enrollment window or effective date months out — which is one of the most appreciated advantages you can offer compared to traditional plans.

Ready to add a product your clients
will actually thank you for?

Apply to join the SakeOf partner program. Start closing year-round. Start earning recurring commissions.

Apply to Partner Talk to our team

SakeOf is a healthcare sharing arrangement, not insurance. Agents must disclose this to every prospective member.

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