BENEFITS FOR INDEPENDENT CONTRACTORS, Entrepreneurs and Small Businesses
High Performance Health Insurance Services recognizes the challenges independent contractors face finding affordable benefits to protect themselves, their career and their families.
That is why we created these unique partnerships, allowing Independent Contractors, Entrepreneurs and small businesses to buy affordable group benefits otherwise available only through large employers. These benefits cater to the financial and social needs of Independent Medical Providers, Real Estate Professionals, IT professionals, and other industry professionals working as 1099’s.
Through these exclusive partnerships, you can secure a range of affordable group healthcare plans, financial protections, and family benefits customized to fit your needs and budget. We have a team of well-trained professionals and cutting-edge technology resources available to assist you in your evaluation and selection process.
If you currently have a Term Insurance or Long Term Care Insurance more than a few years old, it is likely there are more flexible and affordable options available to you. To evaluate your term policy, contact us and we will compare your current rate to dozens of carriers.
HIGH PERFORMANCE HEALTHCARE PLANS
Major Medical Plans
CIGNA PPO
There are four Major Medical options within the CIGNA PPO Plans offering a range of deductibles featuring coverage both within the nationwide CIGNA PPO network and out of network providers. Perfect for 1099, self-employed, entrepreneurs and small businesses.
CIGNA PPO HSA
There are two primary high-deductible major medical choices serviced by the CIGNA PPO Network. Family premiums as just $789 per month. Favorable maximum out of pocket cost. Perfect for 1099, self-employed, entrepreneurs and small businesses.
Population Science AETNA Plans
There are twenty-three plan options on the nationwide AETNA network. These plans feature multiple PPO plans that are HSA compliant as well as EPO options with varying deductibles. Our team can assist you in finding the right plan for your family and your budget.
OPTIMALMD
This a solution for those uninsured and find coverage unaffordable. Individuals for just $99 per month or families $149 get unlimited access to virtual primary care, 13 specialities, mental health over 1100 generic prescriptions for $0 cost, 3900+ lab tests at $0 cost. These plans cover 90% of routine medical care for one flat fee. No Copays, No Deductibles and No Contract.
LIFE INSURANCE
As an Independent Agency, High Performance represents over 140 Life Insurance carriers. Term Insurance today is a commodity and virtually all carrier policies are backed by State Guaranty Associations. Knowing this, you should always seek the lowest rate. That is where our independence comes into play. We will always assist you in finding the lowest rate.
LONG TERM CARE
Long-Term Care poses the most predictable financial risk to families. Nearly every family has a story of experience with a loved one who required Long Term Care. The burden is not just financial, but emotional and physically stressful as well. Statistics show 70% of folks over 50 will require a form of long term care while only 8% are prepared. Old policies were simply not worth the money but care can run hundreds of thousands of dollars. There is a wide range of new insurance options today that can turn this potential liability into a tax free asset. Contact us to learn more about these valuable options.
FINAL EXPENSE COVERAGE
We are excited to partner with Everest to introduce this exciting new Funeral Concierge service coupled with final expense up to $50,000. When an unexpected death occurs, there are many decisions that are difficult to make under emotional stress. Everest concierge not only helps you prepare in advance but when that event occurs, their compassionate staff will step in and assist on your to make sure everything is negotiated, paid and executed in accordance with your wishes. This may be the most affordable peace of mind available to you and your family.
401K - IRA ROLLOVER
Did you know you can supercharge your 401k or IRA fee free? Roll over all of part of your balance, receive a 30% Bonus with guaranteed daily compounding interest of 10% for up to 12 years. And even better, you can convert to withdrawal income any time after 12 months and the income is guaranteed for as long as you live. This is a limited time offering but a simple math exercise will determine if this options is right for you. Zero Risk, Guaranteed Return, and Guaranteed Income for Life
ARTIFICIAL INTELLIGENCE FINANCIAL ADVICE
Far too many people rely on Artificial Intelligence or TickTok for financial advice and strategies. So we asked Artificial Intelligence if that is a good idea or not. We thought we should share the results: No, people should not rely on artificial intelligence (AI) or TikTok for personalized financial advice. While both platforms can serve as helpful starting points for general education, they lack the legal accountability, personalized context, and real-time accuracy required to manage your money safely. [1, 2, 3, 4]
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OTHER INSURANCE PLANS
Long Term and Short Term Disability - 401K
High Performance is an Independent Agency representing over 140 different financial companies. Rather than selling specific products, we are in a unique position to assist you in finding the right customizable solution for you and your family. For life insurance, we can check whether you are overpaying for your current policy.
We offer multiple solutions for Long Term and Short Term disability, Annuities, 401K rollovers and other retirement options. We specialize in long-term care solutions.
Regardless of your need we are here to help.
Dental Vision Identity Telemedicine
For Dental and Vision coverage, we partnered with Insurance for Everyone. IFE provides an easy to shop website where you can browse all available plans and pricing. Just enter your zip code and date of birth for a quick quote.
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FAQ's
What kind of healthcare plans does High Performance offer?
High Performance offers several options for 1099's, Independent Contractors, Entrepreneurs and Small Businesses. We have a self-funded employer pool with a fully funded backstop within a group captive or associations. We also offer private healthcare plans.
Is this an ACA Marketplace plan?
No. The private plans are bona fide group health insurance held in a captive, an employer-sponsored group product governed by ERISA. It is not an ACA Marketplace (individual exchange) plan.
What is the relationship with Cigna?
Our partner Ameristead has held a direct ASO contract with Cigna since November 2025 (live December 2025). It is the only pool in the country with a direct ASO contract with Cigna, which means Cigna itself can verify member benefits, and all claims flow to Cigna with Marpai adjudicating them for Cigna. It is not a test pilot. The captive that houses the program has been in existence for roughly 26 to 27 years.
When do plans renew?
Renewal is every January 1, and the open enrollment window runs November 1 to December 5 each year. That is when members can make plan changes. Mid-year changes require a qualifying life event (QLE), just like any other group plan.
Which states is the Cigna PPO available in?
All 50 states, with one caveat: Hawaii has its own state rules and extra approval steps, so expect some friction there. Washington, Oregon, New Jersey and the other traditionally tricky states are fine.
Who can enroll?
Because it is bona fide group coverage, each primary member must have an EIN, even if it is just one employee.
Which Cigna network is it?
Cigna’s large commercial PPO, the OAP (Open Access Plus) network. When members visit a provider, they pull up in the Cigna system for benefit verification like any commercial Cigna member.
Which Aetna network is it?
It is the Aetna Signature Administrators PPO network.
How do members access telemedicine?
Teledoctor visits are $0 on every plan. Members download the Opyn app, or log in to the online member portal from a browser.
What do I need to do to enroll?
Call 833-494-6669 or email helpme@highperformanceins.com.