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Eudora Brooks
Founder, Caring Cover Agency
Making health insurance affordable for all.

Caring Cover Agency exists to help gig workers, side‑hustle earners, and small employers access health coverage that fits their lives and budgets.

Building Health Coverage for Modern Work

Caring Cover Agency is building an affordable, compliant health coverage platform designed specifically for gig workers and small businesses under 50 employees, who are often priced out of traditional employer plans

Why Today’s Coverage Model Is Broken

  • Around 70 million Americans work in the gig economy, yet a large share have no access to employer health benefits and struggle to afford individual coverage.​

  • Small‑business health premiums have climbed for years, and many employers are dropping benefits or never offering them in the first place.​

  • Subsidy uncertainty and rising costs will leave millions of gig workers and small‑business employees facing higher premiums and coverage gaps.

A Simple Platform for the Hardest‑to‑Serve

Caring Cover offers a transparent, tech‑enabled way for small employers and independent workers to access ACA‑compliant plans, health reimbursement arrangements, and level‑funded options built for smaller groups.

How We Make Money

  • Broker commissions on ACA and related plans.

  • Platform fees per covered life for enrollment, education, and ongoing support.

  • B2B2C partnerships with payroll platforms, coworking communities, and gig marketplaces.

A Large, Underserved Market

Gig workers and small‑business employees represent a multi‑billion‑dollar premium opportunity that traditional players serve poorly

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  • Tens of millions of gig workers and small‑business employees lack affordable, predictable coverage, representing a multi‑billion‑dollar premium opportunity.​

  • Caring Cover is focused on becoming the default health coverage platform for this segment, with a 5‑year goal of tens of thousands of covered lives and meaningful recurring revenue.

  • Early conversations and pilots with small employers and gig communities.

  • Initial waitlist sign‑ups and letters of intent from prospective partners

Built by Healthcare & Benefits Operators

  • Founders with backgrounds in healthcare, benefits, and customer success who understand how coverage, regulations, and member experience intersect.

  • Partnerships with licensed brokers and established carriers to ensure ACA‑compliant plans and a clear regulatory framework for employers and gig workers.

Where Capital Goes

  • Product & Tech: Enrollment experience, integrations, and member education tools.

  • Go‑to‑Market: Distribution partnerships, employer and gig‑worker acquisition.

  • Team: Operations, compliance, and customer support.

  • Launch and refine the platform with early employers and gig cohorts.

  • Prove unit economics and retention.

  • Secure key B2B2C distribution relationships.

Let’s Talk
 

Caring Cover is raising capital to bring affordable, modern health coverage to the workers and small businesses most often left out of today’s system. If you invest in the future of work and healthcare access, we’d love to connect.

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