FOR PEOPLE WITHOUT BENEFITS AT WORK
Real benefits for the way you actually work.
If you're 1099, part-time, seasonal, self-employed, or at a company too small to offer a plan, you've been priced as a market of one your whole career. There's another way in, and it starts with becoming a Working Owner.
Takes a few minutes. See what you'd pay and whether you're suited — before you commit to anything.
$279/mo
where MaxGuard starts for an individual. GigCare from $600.
THE GAP
The benefits gap isn't a small group of people.
Independent contractors. Restaurant staff under the eligibility line. Seasonal crews. Rideshare drivers. Anyone at a company with no group plan. The individual market treats every one of them as a market of one, and prices them that way.
Group benefits cost less because the group absorbs the risk. The math was never the problem. The problem was that you had no group.
GigCare gives you one.
What proves it's real
A Schedule K-1. A Form 1095. A documented ownership relationship — not a membership card.
THE WORKING OWNER MODEL
You don't buy a plan. You join a group.
Behind the program is a data research company. It needs consistent, real-world health and consumer data from working people. In exchange for providing it, you become a Working Owner — a fractional equity owner of the company — and Working Owner status is what opens access to the company's group health benefit options.
STEP 01
See if you're suited
A short questionnaire, then an independent review. Minutes, online, no phone call required.
STEP 02
Become a Working Owner
Sign the ownership agreement. You hold a limited partner ownership interest in the company.
STEP 03
Hold up your end
One survey a month through the member app — a few moments. You're paid $10 for it.
STEP 04
Choose your benefits
GigCare or MaxGuard, for yourself or your family. A licensed advisor is there if you want one.
GigCare is not insurance. Eligibility to participate in the employer-sponsored group health plan requires Working Owner status and meeting program requirements.
TWO WAYS IN
Most people know which one is theirs in about a minute.
The difference is how much you want covered and how much you want to pay. Both are available for an individual or a family.
Which one is yours?
Three questions. No email, no phone number.
If you were hospitalized tomorrow, what would the bill do to you?
Right now, which matters more?
How do you actually use care?
GigCare
For people who want major medical — real protection if something serious happens.
STARTS AT
$600
/month · individual
BENEFIT TYPE
Major medical
NETWORK
National PPO
COVERS
Individual or family
AVAILABILITY
All states except CA, CT, HI, MD, MN, MS, NH, OR, PA, VT, WA, WI
MaxGuard
For people who want meaningful benefits at a lower monthly cost.
STARTS AT
$279
/month · individual
BENEFIT TYPE
Limited medical
NETWORK
National network
COVERS
Individual or family
AVAILABILITY
Same as GigCare
MaxGuard isn't a consolation prize. It's the right answer for people who want less covered and a lower bill. Neither product is the fallback for the other — you choose.
EVIDENCE
What it looked like in Harris County, Texas.
$12,900
saved per year
$1,074
saved per month
109 / 114
plan matchups came in lower than a comparable $6,000-deductible plan
A Harris County household, both age 50: $2,106 a month on the marketplace, $1,032 with GigCare. Yours depends on your age, location, family size and plan choice. Check your rate to see it.
BEFORE YOU START
The things other sites bury.
This program asks something of you, and it isn't right for everyone. Here is all of it, up front, where you can actually weigh it.
YOU HAVE A JOB TO DO
One survey a month through the member app — a few moments, and you're paid $10 for it. It isn't optional; it's how the model works. Miss them and you get a three-month grace period, then the plan ends.
SPECIALTY DRUGS AREN'T COVERED
Check your prescriptions before you enroll — you can do it inside the application, against the formulary for whichever product you're considering.
BILLED FOR THE MONTH AHEAD
You're billed on the 20th of each month for the month that follows, so you always pay before the month you're covered, never after.
YOU CAN LEAVE
Cancel any time after the first month. No term, no exit penalty.
NETWORKS AREN'T ADMINISTRATORS
GigCare and MaxGuard use national provider networks. A separate plan administrator handles your claims, billing and questions. Our team is available too.
BANK ACCOUNT ONLY
No cards. It has to be the same account your $10 survey payment is deposited into.
THE 23RD IS THE CUTOFF
Enroll by the 23rd to start on the 1st of the following month. Miss it and your start date moves out a month.
NOT AVAILABLE EVERYWHERE
Neither GigCare nor MaxGuard is offered in California, Connecticut, Hawaii, Maryland, Minnesota, Mississippi, New Hampshire, Oregon, Pennsylvania, Vermont, Washington or Wisconsin.
THE MEMBER APP
Your side of the deal takes a few moments a month.
One survey, once a month, from your phone. That's the whole obligation — and it's what keeps the group, and your standing in it, intact.
IPHONE · IPAD · ANDROID
AFTER YOU ENROLL
Day 7
Member portal active
Day 14
Member app installed
Day 35
First survey completed
START HERE
Find out in a few minutes whether this fits — and what you'd pay.
The review is online and self-serve. Answer a short health questionnaire, sign the HIPAA release, see your rate and your options. Save it and come back if you need to.
left to start benefits November 1
Completing the review doesn't enroll you. We confirm on the back end, then your welcome letter goes out within 24 hours.
QUESTIONS
Asked and answered.
No. GigCare is not insurance. Becoming a Working Owner is what makes you eligible to participate in the employer-sponsored group health plan, subject to program requirements.
You sign an ownership agreement and hold a fractional limited partner ownership interest in the company. In return for providing monthly health and consumer data, you're compensated and you receive a Schedule K-1 and a Form 1095 — the paperwork of a real, documented relationship.
A few moments. One survey a month, completed in the member app, and you're paid $10 for it.
You have a three-month grace period. Beyond that, the plan is cancelled — survey participation is what keeps you in good standing as a Working Owner.
Some answers rule the program out before the review even runs — if that happens, you'll see it on screen along with other directions worth looking at, no call required. If you clear that stage, an independent review decides suitability and the result comes back to our team, who will be in touch either way.
Yes. Both GigCare and MaxGuard are available for an individual or a family. You'll provide details for everyone you're covering during enrollment.
GigCare starts at $700 a month for an individual; MaxGuard starts at $300. Your actual rate depends on your age, location, family size and the plan you choose — the online review shows you your number.
You're billed on the 20th of each month for the month that follows. Payment comes from a bank account (the same one your survey payment is deposited into), not a card.
GigCare uses a national PPO network; MaxGuard uses a national network. You can look up providers and check your prescriptions inside the application before you commit.
Any time after your first month. There's no term and no exit penalty.
KUHLMANN GROUP
How it works
Compare
Before you start
FAQ
Enroll
GigCare is not insurance. Eligibility to participate in the employer-sponsored group health plan requires Working Owner status and meeting program requirements. Participation requires signing an ownership agreement with Population Science Management and completing monthly surveys to remain in good standing.
Plan-type disclosures are presented for acknowledgment during enrollment — one for PPO plans and one for Limited Medical plans. Specialty medications are not covered. The provider networks do not handle claims; a separate plan administrator handles claims and member billing.
Neither product is available in California, Connecticut, Hawaii, Maryland, Minnesota, Mississippi, New Hampshire, Oregon, Pennsylvania, Vermont, Washington or Wisconsin.
KUHLMANN GROUP · LICENSED ADVISORS · ENROLL ONLINE