Powered by SB/A Cooperative
Small Business Agency CooperativeHealth Plans
Affordable, benefit-rich health coverage for employer groups and individuals — available in all 50 states with no deductibles, no medical underwriting, and no age-banded pricing.
Individual
Starting monthly premium for individual coverage
Employer Group
Starting monthly premium for employer group coverage
All 50 States
Available nationwide — coverage wherever you are
Enroll Anytime
No waiting for open enrollment — start coverage when you need it
Plan benefits
What's Included
SB/A Cooperative plans are built to deliver real value — rich benefits, predictable costs, and none of the fine print that makes traditional insurance so frustrating.
No Deductibles —Only Co-Pays
Members pay simple, predictable co-pays at the point of care. No deductibles to meet before coverage kicks in.
First Health PPO Network
Access to one of the nation's largest PPO networks — giving members broad provider choice across all 50 states.
Serve You Rx Pharmacy
Integrated pharmacy benefits through Serve You Rx, providing members with convenient and cost-effective prescription coverage.
ACA Wellness & Telemedicine
ACA-compliant wellness benefits and telemedicine services covered at a $0 copay — care when and where you need it.
No Medical Underwriting
Coverage is available regardless of health history. No medical exams, no health questionnaires, no exclusions.
No Age-Banded Pricing
Premiums don't increase based on age. Everyone in the group pays the same rate.
No Reference-Based Pricing
Members aren't subject to surprise balance bills or reference-based pricing disputes. Straightforward coverage, period.
Competitive Broker Compensation
Agents and brokers earn competitive commissions — making SB/A Cooperative plans a strong addition to any benefits portfolio.
Who it's for
Built for Employers, Individuals & Agents
Employer Groups
Offer your team a benefit-rich health plan starting at $525/month — with no deductibles, no underwriting, and no age-banded pricing. Attract and retain talent without the complexity of traditional group insurance.
Get startedIndividuals & Families
Get comprehensive coverage starting at $499/month with no deductibles and no medical underwriting. Enroll any time of year — no waiting for open enrollment.
Get startedInsurance Agents & Brokers
Add a competitive, easy-to-sell product to your portfolio. SB/A Cooperative plans offer strong broker compensation, nationwide availability, and a compelling value story for any client.
Get startedNo fine print
No Deductibles. No Underwriting. No Age-Banded Pricing. No Reference-Based Pricing.
Ready to Explore SB/A Cooperative Coverage?
Talk to a Fig Leaf Financial Group advisor to find the right plan for your business or individual needs.