With most insurance, you pay every month and own nothing.
Source Health is changing that. When our insurance launches in 2026, 80–87% of your premium will go to your Individual Premium Reserve — an account you own.
Free to join waitlist · 500 founding member spots per state · Insurance launching 2026
How the IPR Works
Here's exactly what will happen when you join Source Health Insurance.
Just like any health insurance — one monthly payment. Premiums projected at $275–325/month depending on age and state.
Most of your premium flows into an Individual Premium Reserve in your name. Not the insurance company's reserves. Yours.
Your IPR earns competitive variable interest, currently targeting 5% APY. The money grows while it protects you.
When you don't have claims, that money stays in your account and compounds. The healthier you are, the faster it grows.
The Math
What happens to your money after 5 years of paying health insurance premiums.
Traditional Insurance · 5 Years
$18,000 in premiums paid
Source Health · 5 Years (Projected)
$18,000 in premiums paid
Projected example. Actual results depend on claims, plan type, and market conditions.
Claims Coverage
Small claims
Paid from your IPR first. Your own money covers your own care.
Larger claims
If costs exceed your IPR balance, the plan reserve covers the difference. You're never left exposed.
Catastrophic coverage
Past your out-of-pocket maximum, everything is covered 100%. You will never lose more than your out-of-pocket max in a year.
Available Now
Source Health Wellness is available now in all 50 states. Every month you spend improving your health — through GLP-1, hormone optimization, or longevity protocols — means fewer claims and faster IPR growth when your insurance account opens in 2026.
GLP-1 programs · Hormone optimization · Longevity protocols · Clinician support
Available in all 50 states · No insurance needed
Questions
What is the Individual Premium Reserve (IPR)?
The IPR is an account in your name that holds 80–87% of your monthly premium. It earns competitive variable interest, currently targeting 5% APY. When you have claims, they're paid from your IPR. When you don't have claims, the money stays and grows. It's yours — not the insurance company's.
Is the IPR a bank account?
The IPR is a premium reserve account — not a traditional bank or savings account. It's a feature of your Source Health Insurance plan that holds the majority of your premium dollars in an account you own.
When will Source Health Insurance be available?
We're finalizing state licensing now. Insurance plans will launch in 2026. Founding members on the waitlist get priority enrollment and locked-in rates.
What can I do right now?
Two things: join the founding member waitlist at joinsourcehealth.com/waitlist to secure priority access, and start optimizing your health with Source Health Wellness at sourcehealthwellness.com. Your health improvements today mean faster IPR growth when insurance launches.
What happens to my IPR if I leave Source Health?
Your IPR balance is yours. If you leave, your accumulated balance remains in your account per the terms of your plan.
How is this different from an HSA?
An HSA requires you to deposit your own money. Your IPR is funded by your premium — money you're already spending on insurance. With traditional insurance, 100% of your premium goes to the insurer. With Source Health, 80–87% goes to an account you own.
What states will Source Health Insurance be available in?
We're launching in 7 states initially, with plans to expand. Join the waitlist and we'll notify you when your state is available.
Founding Member Waitlist
Founding member spots are limited — 500 per state. Lock in your place now.
Free to join · No credit card · Priority access at launch