Fridays Health USA

What Exactly Is Fridays Health?

At its core, Fridays Health is a health insurance provider focused on small-to-medium businesses and individuals who have been priced out of (or simply fed up with) traditional major carriers. The company offers level-funded and fully insured plans that blend the cost-saving potential of self-funding with the security of traditional insurance. Translation: employers often pay significantly less than they would with the big national brands, while employees still get comprehensive coverage and surprisingly robust provider networks.

The “level-funded” model is the secret sauce that gets business owners excited. Instead of handing over massive premiums to a giant insurer who pockets the difference if claims come in low, employers pay a fixed monthly amount that covers expected claims, administrative fees, and stop-loss insurance. At the end of the plan year, if the group was healthier than projected, the employer gets money back. It’s the closest thing the insurance world has to a refund check—and in a good year, those surplus returns can be substantial.

Coverage That Actually Feels Like Coverage

One of the loudest complaints about many modern health plans—especially high-deductible ones—is that people avoid the doctor because they’re terrified of the bill. Fridays Health attacks that problem head-on. Most of their plans feature:

• $0 preventive care (annual physicals, mammograms, colonoscopies, well-child visits—the whole list)

• $0 virtual care 24/7 (perfect for 2 a.m. ear infections or when you just don’t want to drag three kids to urgent care)

• Low, predictable copays for primary care, specialist visits, and generic prescriptions

• Free mental health visits through popular teletherapy partners

• Surprisingly reasonable deductibles—often half of what you’d see on a comparable bronze ACA marketplace plan

The pharmacy benefit is another standout. Members routinely report paying $3–$10 for common generics and far less for 90-day supplies than at national chain pharmacies. In some regions, Fridays Health has negotiated direct contracts with local pharmacies to drive costs even lower.

Why Fridays Health Is Turning Heads in 2026

Healthcare costs are the number-one concern for small-business owners year after year, and the big insurers keep raising rates with no end in sight. Meanwhile, Fridays Health has been posting double-digit savings for groups while expanding into new states and adding benefits like fertility coverage, bariatric surgery pathways, and enhanced cancer care navigation.

The company’s growth tells the story: from a regional player a few years ago to a serious contender now writing business in more than a dozen states, with thousands of employer groups and tens of thousands of covered lives. Brokers who used to shrug at yet another “new” carrier now actively seek them out because clients keep asking for quotes by name.

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Affordable health plans tailored for your business

Customer Feedback and Results

In the bustling world of U.S. health coverage, Fridays Health has sparked a mix of cheers and frustrations among customers. Many rave about the seamless switch to affordable plans, with one Texas small-business owner noting, "Switched from a big carrier—saved 25% on premiums, and my team's docs are all in-network now." Virtual care gets high marks too; a Georgia mom shared, "Zero copay for 24/7 telehealth saved my sanity during flu season." Yet, not everyone's smiling—Ohio users gripe about claim delays, like a denied $139 reimbursement that dragged on for weeks, leaving low-income families fuming over "unethical hurdles." Overall, satisfaction hovers around 4 stars on review sites, praising transparency but docking points for occasional red tape.

Fridays Health shines in cost savings and accessibility, delivering tangible wins for everyday Americans. A North Carolina entrepreneur reported back $5,000 in year-end refunds thanks to their level-funded model, calling it "a game-changer for my 20-person crew." Mental health perks draw praise too—a Florida member appreciated the $0 therapy sessions, saying, "Finally, coverage that sees the whole me." But pitfalls persist: Some in expanding markets like Michigan face narrow networks, with one user venting, "Closest specialist? Two hours away—savings don't cut it when you're hurting." By late 2025, with thousands enrolled, Fridays Health boasts strong retention in the Southeast, though Midwest feedback urges faster claim processing. It's a solid contender for budget-conscious folks, but shop wisely.

Fridays Health = lower bills + real humans on the phone. My employees keep thanking me.

Jason T., Columbus

★★★★★

Where Can I Buy Fridays Health?

Fridays Health plans are primarily designed for small to mid-size businesses (2–150 employees), so the most common way to get coverage is through a licensed health insurance broker or agent who partners with them. These brokers work in states like Texas, Georgia, North Carolina, Ohio, Tennessee, Florida, Colorado, Indiana, Michigan, and several others where Fridays is actively expanding. A quick call or email to your current broker—or a Google search for “Fridays Health broker near me”—usually gets you a same-day quote tailored to your zip code and group size.

Individuals and families can also purchase Fridays Health plans directly off-exchange in most of the same states, especially if you’re looking for better rates than the ACA marketplace. Reach out to a local independent agent who carries Fridays, or call their member services line (the number is easy to find on any quote sheet or broker material) and they’ll connect you with someone licensed in your area who can enroll you the same day. Coverage can often start as soon as the first of the following month.