Between jobs
Understand what happens after employer coverage ends and compare the full costs of your next options.
Explore membership costsBetween jobs.
Not between options.
Whether you just left a role, started working independently, retired early, or launched a business, you deserve a clear way to explore healthcare costs during your next chapter.
SakeOf is a healthcare sharing membership, not health insurance. Review the guidelines and your available options before joining.
Your next chapter deserves a clear plan for care.
Healthcare decisions change when life does.
Explore what matters most for your situation and make informed decisions about your next steps.
Freelancers and contractors
Build a healthcare budget around independent work, your household, and the care you expect to use.
Explore membership costsBusiness owners
Explore healthcare membership for yourself while you are managing the costs and responsibilities of a new business.
Explore membership costsEarly retirees
Compare healthcare alternatives during the years before Medicare and review what is and is not eligible for sharing.
Explore membership costs
A different way to approach healthcare.
SakeOf is built around a community of people who help share eligible medical expenses. You can explore joining as an individual or family without an employer sponsoring your membership.
Join when it works for youSakeOf does not use an annual open enrollment window.
Choose licensed providersThere is no required SakeOf provider network, subject to the sharing guidelines.
Get help making sense of costsMember advocacy can help with medical bills and next steps.
Make your next decision with clarity.
A practical path from comparison to membership.
Compare your options
Look at premium costs, potential out-of-pocket spending, provider needs, and the limitations of each option.
Build your estimate
Enter your household, select the options that matter, and see an illustrative monthly SakeOf contribution.
Calculate your costReview and apply
Read the membership guidelines and disclosures before choosing whether SakeOf is right for you.
Read guidelinesWhat 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
Questions worth asking.
Understand what SakeOf is and is not before you make a decision.
Read the membership guidelinesDo 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 offers month-to-month membership. Review the membership terms and cancellation requirements if your circumstances change.
Can I use any doctor I want?
SakeOf does not operate a forced network. Members can use licensed providers 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 next chapter starts with better information.
Explore your estimated contribution, review the guidelines, and decide if a healthcare sharing community fits your life.
SakeOf is not health insurance. Medical expense sharing is subject to published guidelines and is not guaranteed. This page provides general education, not a guarantee of eligibility, sharing, or medical outcomes.