NOW ENROLLING · FLORIDA · GEORGIA · MICHIGAN · TEXAS · COVERAGE EFFECTIVE OCT 1, 2026

Protecting your health.
Protecting your budget.

Helping working Americans and early retirees find affordable healthcare solutions before Medicare.

With the enhanced ACA premium tax credits expired at the end of 2025, monthly premiums have jumped for many households — often $300–$600 more. Sterling Bridge Health is your personal Healthcare Cost Navigator — identifying your coverage gaps, estimating your risk, and connecting you with affordable protection solutions matched to your budget.

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No insurance sold on this page Licensed agent assigned to your account No spam, ever

Four Pillars of Healthcare Protection

We organize healthcare around your problems, not our products.

Most insurance sites show you a product catalog. We start with your life — and work backward to the coverage that actually protects it.

Lower your medical bills

Financial protection when illness strikes

When a hospital stay or serious diagnosis arrives, the bills can be as devastating as the diagnosis. These products pay you cash — directly — to cover what insurance doesn't.

Hospital IndemnityDaily cash for every day you're hospitalized

Critical IllnessLump-sum on cancer, heart attack, stroke

Accident CoverageCash for ER visits, fractures, injuries

Cancer ProtectionDedicated benefit for treatment & recovery

Get care faster

Healthcare access without the wait or the bill

Don't wait three weeks for an appointment or pay $150 for a telehealth visit. Members get immediate access to virtual care — 24/7, from anywhere.

Telehealth (24/7)See a doctor in minutes — $0 per visit for members

Virtual Primary CareOngoing relationship with a dedicated virtual PCP

Mental Health SupportLicensed counselors via video or phone

Prescription SavingsPowered savings card · no cost to you

Protect your family

Income and legacy protection for what matters most

Your family depends on your income. If you can't work — or if the worst happens — these products ensure your family isn't left scrambling financially.

Final ExpenseAffordable whole life for end-of-life costs

Life InsuranceTerm and whole life for income replacement

Income ProtectionShort-term disability & accident replacement

Living BenefitsAccess your death benefit while still living

Protect your smile

Dental, vision, and preventive care

Dental and vision are almost never included in ACA plans — yet they're among the most used benefits. Don't skip the care that keeps you healthy.

Dental CoveragePreventive, basic, and major dental services

Vision CoverageEye exams, glasses, and contact lens benefits

Preventive CareAnnual wellness visits and screenings covered

OrthodonticsAdult and child orthodontic benefit options

Membership Plans

Coverage that fits your budget.

Every membership includes 24/7 virtual care. Start free, upgrade when you're ready, and add primary or urgent care whenever you need it.

Free

Consumer Basic

$0/mo

Membership & licensed-agent match
Prescription savings card
Your Healthcare Protection Score
Refer a friend → win a free month of Premium

Join free

Consumer Premium

$29.99/mo

For one adult member

Everything in Basic
$0 prescriptions: ~800 chronic + ~65 acute medications at no cost
Primary Care: dedicated physician, at-home labs, chronic-care & health-risk management
24/7 Virtual Urgent Care: board-certified doctors, <9-min response, phone/video/web
$0 per visit for members

Select Premium

For households

Family Plus

$79.99/mo

1 primary member + up to 8 dependents (one household)

Adults: full Complete Care — virtual primary care, 24/7 urgent care & behavioral health
Children: 24/7 virtual urgent care + pediatric behavioral health
$0 prescriptions for the household — 800+ chronic & acute meds
At-home labs, chronic-care & health-risk management

Select Family Plus

Add-ons for any plan: Virtual Primary Care and Virtual Urgent Care — $6.50/mo each.

Need something more?

Let us customize a plan for you and your family — the coverage you need at a price that fits your budget, from short-term medical and accident to critical illness, dental, and term life.

Build my plan

Refer a friend, win a FREE month of Premium!

A $29.99 value. Join our wait list and earn free services — invite 5 friends or family and a full month of Premium unlocks for you.

Join the wait list

See your coverage gap in 60 seconds.

Answer a few quick questions and get your free Healthcare Protection Report — no insurance sold, no spam, just your numbers.

Get my free report

Protecting your health.Protecting your budget.