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Digital health coverage that gig workers and small‑business employees can actually use in real‑world moments.

For Gig & Side‑Hustle Workers

  • ACA marketplace health plans with potential premium tax credits.

  • HSA‑eligible high‑deductible plans for people who prefer lower monthly premiums.​

  • Guidance on Medicaid or other state programs when income qualifies.​

Learn More – For Gig Workers 

For small businesses under 50 employees

Employers in this group are not required by law to offer coverage, but many want to support their teams and stay competitive.

1

Traditional Group Plans & SHOP

Small‑group plans purchased directly from carriers or through the Small Business Health Options Program (SHOP). Good fit for teams that want one shared plan and predictable benefits

2

Health Reimbursement Arrangements (HRAs)

Qualified Small Employer HRAs (QSEHRA) and Individual Coverage HRAs (ICHRA) let employers reimburse employees for individual coverage with tax advantages, instead of managing a full group plan

3

Level‑Funded Plans

For some healthy, stable teams, level‑funded plans provide the structure of group insurance with potential savings if claims are lower than expected

How Caring Cover Fits In

Caring Cover Agency focuses on education, navigation, and support. The organization explains these options in plain language, connects people to licensed partners when needed, and stays involved so members understand and use their coverage.

  • Clarifying which coverage paths someone may qualify for.

  • Preparing them for conversations with carriers or licensed brokers.

  • Helping them compare real‑world costs, not just premiums.

Not Sure Which Path Fits You?

Share a few details about your work or business, and Caring Cover will point you toward coverage options that may make sense for your situation.

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