Clearwater Benefits

Clearwater Benefits is a full-service health benefits agency based in Austin, Texas, specializing in affordable, high-quality healthcare coverage for self-employed individuals, independent contractors, freelancers, and 1099 workers across all 50 states.
Unlike traditional brokers tied to a single product, Clearwater operates as a multi-product agency offering a complete suite of coverage options — including ClearShare (a comprehensive health share membership), Trident Major Medical (fully ACA-compliant insurance), and supplemental plans covering dental, vision, critical illness, accident, and life. This flexibility means members always have a plan that fits their needs and budget, without the group-rate requirements that typically price out self-employed individuals.
Founded over seven years ago by healthcare veterans and innovators, Clearwater combines a consultative, member-first approach with a streamlined online enrollment process — making it simple for independent workers to access the kind of quality coverage usually reserved for large-company employees. With transparent pricing, dedicated member support, and an expanding product portfolio, Clearwater is redefining what benefits look like for the modern workforce.