Between jobs.
Not between options.
Whether you left a role, went independent, retired early, or launched your own business, healthcare does not have to be the thing that slows the next chapter down.
A healthcare option for people outside the traditional employer system.
SakeOf is designed for people searching for healthcare between jobs, self-employed healthcare options, freelancer healthcare, COBRA alternatives, early retiree healthcare before Medicare, and flexible healthcare for new business owners.
Healthcare for people who do not fit a standard box.
SakeOf does not require an employer, an HR department, or an open enrollment window.
Between jobs
COBRA can cost hundreds more per month. SakeOf gives you a lower-cost option while you land your next role.
Career gapFreelancers and contractors
When every dollar is yours, monthly premiums matter. SakeOf fits solo income without locking you into an employer plan.
Self-employedBusiness owners
You left a job to build something. You should not have to drain your runway just to keep a healthcare option in place.
FoundersEarly retirees
Pre-Medicare and done with the 9-to-5? SakeOf can help bridge the years where traditional options are expensive.
Pre-MedicareCreative professionals
Writers, designers, consultants, and creators deserve healthcare that keeps up with a non-traditional career path.
Independent workCareer changers
Going back to school, switching industries, or taking a sabbatical should not mean losing practical healthcare options.
Next chapterLife changes do not 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.
The day your job changes
You lose the employer plan, face COBRA pricing, or start looking for options that do not depend on HR.
Apply online
Tell us about yourself and your household. No employer information is required.
Choose your contribution
Pick the monthly contribution level that fits your situation and review the guidelines before joining.
Become a member
You become part of a community sharing eligible healthcare expenses, with member support from day one.
Simple monthly contributions.
No renewal surprises. No hidden network math. You can estimate your monthly contribution before you apply.
Base membership
Base membership for one adult. Core peer-to-peer sharing for eligible unexpected medical events.
- Eligible unexpected medical events
- Any licensed provider
- Member advocacy included
- Add-ons available
Individual plus add-ons
Base membership plus commonly selected add-ons for a broader everyday member setup.
- Everything in Individual
- Maternity sharing eligible
- Rx and prescription benefits
- Telemedicine and mental health options
Two-adult household
Two adults with default add-ons. Use the calculator to price your exact household.
- Two adult members included
- Default add-ons included
- Children can be added
- Flexible commitment options
A clearer way to handle healthcare during change.
SakeOf is built around practical support, transparent rules, and flexibility when your life does not match a traditional benefits calendar.
Any provider
No forced network. See the licensed provider you trust.
Join any month
No open enrollment window. Apply when your situation changes.
Member support
Get help understanding eligibility, documentation, and next steps.
Clear guidelines
Review the sharing rules before you decide to join.
Built for the moments where benefits get messy.
These are the transitions where people usually need something more flexible than traditional employer-based coverage.
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 my runway.James K., management consultant
I retired before Medicare. I needed something understandable and flexible for the gap years. SakeOf made sense for where I was.Diana F., early retiree
I have freelanced for years and tried everything. SakeOf was the first option where I understood what I was signing up for.Marcus T., freelance developer
My husband and I both went independent. We needed something that would not drain what we were trying to build.Priya R., independent contractor
What people in transition usually ask.
We want you to understand exactly what SakeOf is and is not before joining.
Do I need a job or employer to join SakeOf?
No. SakeOf is designed for individuals who are not covered by an employer group plan. You can join as an individual, a couple, or a family.
Is SakeOf health insurance?
No. SakeOf is a peer-to-peer healthcare sharing community. Members contribute monthly to help share eligible medical expenses. It is not insurance, and sharing is subject to published guidelines and is not guaranteed.
Can I join if I just left my job?
Yes. There are no enrollment windows. You can apply any time, including after 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.
Can I use any doctor I want?
Yes. SakeOf does not operate a forced network. You can see any licensed provider in the United States, subject to the sharing guidelines.
Does SakeOf satisfy ACA coverage requirements?
No. Healthcare sharing arrangements are not ACA-compliant health insurance and do not satisfy minimum essential coverage requirements.
Your transition does not have to mean healthcare uncertainty.
Join SakeOf today and get a healthcare community built for where you are right now. No employer. No enrollment window. No forced network.