Welcome to KBN Healthcare

Better Benefits. Better Price.


A unique solution for individuals and families looking to lower their monthly costs.

Major Medical

These insurance plans offer copays for common services and opportunities for $0 care.

Supplemental Insurance

Explore our add-on plans to help round out the care you need.

Help Me Decide

We can help get you into the right plan in less than five minutes.

Save Money, Boost Your Healthcare Network, and Reduce Your Risk

Discover how Clearwater’s health solution can help you save up to $8,000 annually, give you access to one of the largest PPO networks in the country, and reduce your out-of-pocket risk by 80 percent. 

Love from Our Community

Hear it from our members: There's lots to love.

I spent twelve weeks in the ICU. The bills mounted up to about two million dollars. The length of time I was in the hospital I would have been bankrupt. And because of (Clearwater Benefits), I survived that. And my family survived that.

Terry Hooker
Clearwater Member
Clearwater Member

Clearwater has made it easier for me, and taken off the (financial) burden from my shoulders (by paying $12,000 less a year for a health plan). Under the old healthcare pricing, I used to say, ‘Wow, I’m taking care of one thing, and I’m hurting the other.

Clearwater Member
Clearwater Member

Clearwater took the time to listen and help us explore what would work best for us. Within two months, we had saved enough money through the plan we chose to cover the premium for one month. I highly recommend Clearwater for an honest look at your healthcare.

Clearwater Member
Clearwater Member

Something for Everyone

Introducing ClearShare

ClearShare isn’t insurance - it’s assurance.

Get the most comprehensive benefits of any health share: Most health shares only provide benefits for the major events like surgeries. That didn’t sit right with us, so we developed a health share that includes more major and minor events, office visits, labs, and medications.


  • Save up to 80%
  • Choose any doctor and facility - really, any - for major procedures
  • Care Coordination – like having a personal assistant for your major healthcare needs. When you use providers we recommend, your care can be completely free!
  • No annual or lifetime sharing limits
  • Free 24/7 telemedicine
  • Virtual mental healthcare included
  • Variety of plans available to customize to your needs

Major Medical Information

High-quality major medical insurance plans to fit any budget.

Insurance plans that give you control of your out-of-pocket costs. Select from a range of deductible options and enjoy opportunities for $0 care!

Choose from several plans, including ones perfect for families looking to make the most out of their healthcare or others looking to save on income tax and minimize healthcare spending with a Health Savings Account.

Our major medical plans also include cost-saving benefits like:

  • 24-7 telemedicine with a $0 copay
  • Virtual mental health coverage
  • $0 generic prescriptions
  • 100% coverage for preventive services
  • Care Coordination to help you find higher quality care at lower costs for many services.

Better Benefits at a Better Cost

Welcome to the widest selection of innovative plans with new options from nowhere else.

Finding the right plan is easy

Get a Quick Quote
Get an instant online quote to see your options
Schedule a Call

Talk to an expert to find your best savings and perfect plan

Enjoy your benefits!

More Choice, More Options

You have access to the largest selection of health plans from innovative major medical and healthshare options to everything on healthcare.gov.

We also have industry-leading supplemental options like dental, vision, and accident to meet your other needs and circumstances.

Better care. Better cost.


Average annual savings


Network upgrade


Out-of-pocket savings

*Estimate is based on an average of annual data and will not apply to every individual customer.

Ready to get started?

Click to get started on building the perfect plan for you – complete with supplemental insurance.