How Source Health Works
Source Health combines savings, wellness, and coverage into a single account that grows with you. Here is exactly how it works — no fine print, no surprises.
The Problem
$38,400
What the average American pays in health insurance premiums over 10 years (based on average employer-sponsored premiums, KFF 2024)
$0
What they get back
Traditional insurance collects your premiums and keeps them. If you stay healthy — which is the goal — you get nothing. Your money disappears into their profit.
Source Health reverses this. Here is how.
The Source Health Ecosystem
Step 1 — Available Now
Source Health Wellness
GLP-1 microdosing, longevity protocols, hormone therapy. Real doctors. Real prescriptions. Delivered monthly. No insurance required. Available in all 50 states. The healthier you are today, the faster your IPR grows when insurance launches.
Available in all 50 states
Step 2 — Learn More
Individual Premium Reserve
When insurance launches in 2026, 80–87% of every premium goes to an account you own. It earns competitive variable interest targeting 5% APY. Unused months compound. Claims months pay. It's your money — not the insurer's.
80–87% to your account
Step 3 — Coming 2026
Source Health Coverage
When Source Health Insurance launches in 2026, your Individual Premium Reserve begins building with every premium. Radically simple: premiums, HSA, and an out-of-pocket max. No copays. No coinsurance. Founding Members get priority access at launch and the lowest rates.
Up to 87% of premiums returned to you
You do not have to use all three. Start wherever makes sense for you. But the more you use, the more value you unlock — because everything in Source Health is connected.
The Math
You pay $275–325/month in premiums
Monthly premium payment
$235–290 → YOUR account
Your Investment Premium Reserve — the account you own. It earns interest. If you leave, you take it with you.
$30–44 → Administration
Network access, compliance, claims processing, operations.
Your Investment Premium Reserve grows over time
~$3,400
After 1 year
~$19,200
After 5 years
$40,000–55,000+
After 10 years
Includes competitive variable interest on reserve balance (currently targeting ~5% APY)
Traditional insurance
$0
That $40–55K belongs to them
Source Health
$40–55K+
That $40–55K belongs to you
This is a fundamentally different insurance model. Your premiums build equity in an account you own — like a mortgage builds home equity, except for your health.
The Multiplier Effect
The healthier you are today, the fewer claims you file tomorrow. Fewer claims mean more of your IPR stays in your account and compounds.
Source Health insurance members receive preferred pricing on all Source Health Wellness services.
Up to $500 of your total wellness spend counts toward your first-month insurance premium. Your wellness investment today reduces your future insurance cost.
80–87% of every premium goes to your Individual Premium Reserve. Coverage literally builds your account.
Up to $500 of your total wellness spend counts toward your first-month insurance premium. Your wellness investment today reduces your future insurance cost.
Source Health insurance members get preferred pricing on all wellness services.
No other company in health insurance or wellness can offer this because no other company has unified savings, wellness, and coverage into a single account. This is what makes Source Health different.
The Timeline
Source Health Wellness — Available Now
GLP-1 microdosing, longevity stacks, hormone therapy. All 50 states. Telehealth delivery.
Join the Waitlist — Free
Secure your Founding Member spot. 500 spots per state. Priority enrollment and locked-in rates at launch.
Source Health Coverage — Licensing in Progress
Source Health Insurance will offer federally compliant health plans in 7 states. Up to 87% of your premium will build your Individual Premium Reserve. Founding Members get priority access at launch.
National Expansion
Additional states. Employer health reimbursement plans. New wellness categories. Growing your health equity.
Source Health Wellness — Available Now
GLP-1 microdosing, longevity stacks, hormone therapy. All 50 states. Telehealth delivery.
Join the Waitlist — Free
Secure your Founding Member spot. 500 spots per state. Priority enrollment and locked-in rates at launch.
Source Health Coverage — Licensing in Progress
Source Health Insurance will offer federally compliant health plans in 7 states. Up to 87% of your premium will build your Individual Premium Reserve. Founding Members get priority access at launch.
National Expansion
Additional states. Employer health reimbursement plans. New wellness categories. Growing your health equity.
What You Are Probably Thinking
We understand. Traditional insurance has trained you to expect nothing back. Source Health uses a legal, federally compliant structure called the Investment Premium Reserve. It is your money held in your name. We are filing with state regulators and building this in full compliance with insurance law. The Founding Member program exists so you can watch it work with a small amount of money before committing to coverage.
Your Investment Premium Reserve balance (once coverage launches) is protected by state insurance regulations and reinsurance contracts. We are building this to last — but your money is protected either way.
Founding Member benefits — priority enrollment and locked-in rates — are limited to the first 500 members per state. Once they are gone, they are gone. Join the waitlist now to secure your spot before insurance launches in 2026.
For Employers
Are you an employer? Learn how Source Health Group Insurance can typically save 20–40% on health benefits while your employees build health equity.
Free to join. 500 founding member spots per state. Insurance launching 2026.
Have questions? Email us at hello@joinsourcehealth.com