Just because you can't afford health insurance, doesn't mean you can't afford health care. In fact, health insurance is really supposed to make it easier to afford health care...which it doesn't do anymore. 50% of the people that pay health insurance premiums never use the insurance, they never meet their deductible, and never get any real benefit for the money they spend.


Flexefits takes the opposite approach. Pay as you need care. Our network is made up of Doctors, Surgeons, and Dentist who have agreed to provide services for very reasonable fees. We help you pay those fees by setting up Health Matching Accounts where your contributions get matched up to 100% over time.


We do have one element of Insurance. We realize that sometimes accidents or surprises happen, so our partners at American National provide our members with Accident and Critical Illness Insurance.



All told it costs approximately $60 a month for great medical coverage. If you add $140 a month for an HMA, it brings the total to $200 a month or $2,400 a year. At the end of the year you have $1,940 in your  HMA account, so your medical coverage costs $460. That is about the same as one month of an insurance premium.


 Flexefits- we make you and your healthcare our priority.

  • access to Doctors quickly
  • reduced prices for procedures and only pay for what I use
  • emergency coverage from AFLAC just in case I have to go to an emergency room
  • a savings plan that doubles my money



When we said a new type of Healthcare, we meant it. We call it Direct Care and over 200,000 medical professionals participate to make sure that you get the best care.

So if you are tired of huge premiums and big deductibles, make Flexefits your healthcare option.

Doctor and Surgeons

We know getting to see a Doctor is hard, that's why we have a staff that will help you make an appointment that works inside of your schedule.

Dental Care

We rounded up over 100,000 dentists who feel the same way we do. They all agreed to work for great low prices so you don't have to put off keeping your smile bright.

Eye care

Access to more than 12,000 optometrists and eye centers and save significantly on routine exams, eyewear, and contact lenses.


Take advantage of our free RX reward card and start saving as much as 90% on all prescription medicine purchases you need.


The ultimate medical benefit savings account available. Awards its owners up to $2 in medical benefits or more for every $1 contributed into their HMA account balance.

Extra Coverage

Let's make sure that you are completely covered. A little insurance can help fill those gaps.

What People are Saying

My daughter woke up with a fever and a stuffy nose. I remembered Flexefits and decided to give them a call first. The doctor who spoke to me asked about her symptoms and said ” Let’s save you a trip”. He called in a prescription and I go the medicine a couple of hours later. It was so easy and I didn’t have to take my daughter into the car. Plus there was no copay. Thanks Flexefits, and Doctor Paul…you saved my day.

- Tiffany B

Worst day ever. Flew to Disney and by the time we landed my son was howling. His ear was killing him. We came from Ohio and the hotel said we wouldn’t be able to see a doctor till the next day. I called Flexefits and they put me on with a Doctor right away. He prescribed some ear drops and some antibiotics and I got them at a CVS down the road. The next day we were at Disney and he was smiling. This was a vacation saver.

- Joe M

Woke up with a aching tooth and no dental insurance. Called Flexefits and they set me up with a dentist about a mile down the road. I paid $600 for a root canal, and noticed other were paying about $900. Flexefits saved me a car payment. Not bad.

- Peter