Between jobs.
Not between options.
Whether you just left a role, went independent, retired early, or launched your own business, healthcare doesn't have to be the thing that keeps you up at night. SakeOf was built for this moment.
Healthcare for people who don't fit a standard box.
SakeOf doesn't require an employer, an HR department, or an open enrollment window.
Between Jobs
COBRA can cost over $700 a month. SakeOf gives you a lower-cost option while you land your next role, with no network restrictions.
Freelancers & Contractors
When every dollar is yours, a $700 monthly premium is a real problem. SakeOf fits a solo income without sacrificing care access.
Business Owners
You left a job to build something. You shouldn't have to burn cash on benefits the moment you hang your own shingle.
Early Retirees
Pre-Medicare and done with the 9-to-5? That 5 to 10 year gap is where costs hit hardest. SakeOf fills the bridge.
Creative Professionals
Writers, designers, consultants, and creators deserve healthcare that keeps up with an irregular income and a non-traditional path.
Career Changers
Going back to school, switching industries, or taking a sabbatical? You shouldn't have to choose between your next move and coverage.
Life changes don't wait for open enrollment.
Most healthcare options are locked behind employer relationships or enrollment windows. SakeOf is different. You can join any month, the moment your situation changes.
Day you leave your job
You lose group coverage. Most people have 60 days before COBRA kicks in, and the cost shock is real.
Within days of applying
SakeOf has no enrollment periods. Submit your application and get started on your terms.
Active as a member
Your monthly contribution begins and you're part of a community sharing eligible healthcare expenses.
When your situation changes again
New job? Landed a contract? Month-to-month with no penalty for leaving when you're ready.
The COBRA trap is real.
COBRA continuation coverage lets you keep your plan after leaving, but you pay the full premium: what you paid plus what your employer was paying. For many people, that is $600 to $1,400 per month or more.
Simple, transparent pricing.
No renewal surprises. No hidden fees. You know exactly what you contribute each month.
Individual
Base membership for one adult. Core peer-to-peer sharing for unexpected medical events, with a $500 commitment per event.
- Eligible unexpected medical events
- Any doctor, any state
- $500 commitment per event
- Member advocacy included
- Add-ons available à la carte
Individual + Add-ons
Base membership plus the most-used coverage options: maternity, Rx, telemedicine, and mental health.
- Everything in Individual
- Maternity sharing eligible
- Rx and prescription benefits
- Zero copay telemedicine
- Mental health and counseling
Household
Two adults with default add-ons. Additional members can be added — use the calculator to price your household exactly.
- Two adult members included
- All default add-ons included
- Maternity sharing eligible
- Additional members can be added
- Children age 0–25 at reduced rate
What you get as a member
No forced network. See the doctor you trust.
Join the month you need to.
We help you navigate eligibility and documentation.
You read the guidelines before you join.
Land a job with benefits? Cancel without penalties.
Four steps from today to covered.
No forms to chase down. No HR to call.
Apply online in minutes
Tell us about yourself and your household. No employer information required.
Choose your contribution level
Pick the monthly contribution that fits. Review the sharing guidelines so you know what is and isn't eligible.
Become a member
You're part of a community sharing eligible healthcare expenses, with member support from day one.
Submit eligible needs, get support
When a need arises, submit through the sharing process. Our team guides you through next steps.
People just like you found a better way.
These are the moments SakeOf was built for.
I left my corporate job to start my own firm. COBRA was going to cost me more than my rent. SakeOf let me move forward without sacrificing coverage or my runway.
I retired at 61. Medicare was still four years away. My advisor couldn't find me anything reasonable until SakeOf came up. For where I am, it works.
I've been freelancing for six years and tried everything. SakeOf is the first option where I actually understood what I was signing up for before I said yes.
My husband and I both went independent the same year. We needed something for our family that wouldn't drain what we were trying to build.
What people in transition usually ask.
We want you to understand exactly what SakeOf is and isn't before you join.
Do I need a job or employer to join SakeOf?
No. SakeOf is designed specifically for individuals who are not covered by an employer group plan. You can join as an individual, a couple, or a family. No employer relationship is required.
Is SakeOf health insurance?
No. SakeOf is a peer-to-peer healthcare sharing community. Members contribute monthly to a shared pool that helps cover eligible medical expenses. It is not insurance and sharing is subject to published guidelines and is not guaranteed.
What does it cost to join?
Contribution amounts depend on the plan you choose and any add-ons you select. Illustrative ranges start around $299 per month for a single adult, with the most popular configuration around $341/mo including default add-ons. Use the plan calculator on our home page for your exact number based on age, household size, and selected options.
Can I join if I just left my job last week?
Yes. There are no enrollment windows. You can apply any time, and many people join within days of a job change, retirement, or transition to self-employment.
What happens when I get a new job with benefits?
SakeOf is month-to-month. When you have employer coverage again, you can cancel your membership without penalties. Many members treat SakeOf as their bridge plan until better options appear through employment.
What if I have a pre-existing condition?
SakeOf's sharing guidelines include specific provisions around pre-existing conditions. Some conditions may have waiting periods or limitations before expenses become eligible. Read the full guidelines carefully before joining.
Can I use any doctor I want?
Yes. SakeOf does not operate a network. You can see any licensed provider in the US. Our team can help guide you on what expenses may be eligible before significant care decisions.
Does SakeOf satisfy ACA coverage requirements?
No. Healthcare sharing arrangements are not ACA-compliant health insurance and do not satisfy minimum essential coverage requirements. We recommend consulting a licensed advisor about your specific circumstances.
Your transition doesn't have to mean healthcare uncertainty.
Join SakeOf today and get a healthcare community built for exactly where you are right now. No employer. No enrollment window. No surprises.
SakeOf is not health insurance. Sharing is subject to published guidelines and is not guaranteed. This page is for general education only and does not represent a guarantee of eligibility, coverage, or specific medical outcomes.