Your Health Costs Are Killing You. Here's How to Fix That (And Get Cash to Grow)
You’re paying too much for health insurance. Way too much.
And when you need money to grow, good luck getting a bank loan without selling your soul. I’ve owned businesses for 40 years. I know exactly what you’re dealing with.
Problem #1: Health Insurance Costs Are Insane
You’re paying too much for Health Insurance AND Employee Benefits are a Hassle to Manage.
Solution: Medical Sharing through Zion HealthShare, combined with Planstin. Custom coverage, NO insurance company Run Around and all at a fraction of what traditional health insurance costs.
Here’s What This All Means for You
Your monthly share? Usually 50-70% less than traditional premiums.
Problem #2: Banks Won't Give You Money When You Need It
When the banks say no, ROK Financial says YES!.
Cash in 1-5 days. 10K to 5M available.
We work with ALL credit situations & do not rely on personal credit alone for approvals.
Does your business need money for:
Cash Flow – Expansion – Equipment – Emergencies – Marketing – or a Thousand Other Reasons
Here's What All This Means For You:
Cut your health costs in half (or more).
Stop losing employees to companies with better benefits.
Get funded this week instead of six months from now.
“But This Sounds Too Easy…” Yeah, I get it. That’s what I thought too. Then I saw the numbers. Thousands of business owners are doing this right now.
Real people. Real savings. Real growth.
What's Next? Book a meeting. Tell me where you're stuck. Need Health Coverage? Need Funding? Both? Let's get you Unstuck today!
Affiliate Partner, Zion HealthShare
Transparent, community-driven medical cost-sharing (no religious requirements). Members voluntarily share eligible expenses at a fraction of traditional premiums—ideal for self-employed, small businesses, and families seeking affordable alternatives to high-cost, low-benefit insurance.
Affiliate Partner, Planstin Administration (planstin.com)
Innovative third-party admin for cost-effective, customizable employee health benefits. It simplifies management, reduces unnecessary costs, and delivers adaptable plans to attract and retain talent without premium hikes or bureaucracy.
Affiliate Partner, ROK Financial (rok.biz)
Fast, flexible small business financing (loans, lines of credit, equipment funding, working capital—from $10K to $5M+, often funded in 1–5 days). It empowers owners to manage cash flow, invest, and scale with straightforward approvals.
These partnerships enable me to guide clients toward smarter health options, effective team benefits, and accessible capital. If you’re an entrepreneur needing affordable healthcare, streamlined benefits, or funding to grow—let’s connect and find what fits your goals.
Trusted by Thousands of Business Owners Across America
ROK Financial Loan Services
Find the right coverage at the best price.
ROK Financial offers a full suite of financing options — find the exact funding that fits how your business operates and grows.
Term Loans + Working Capital
Secure the capital your business needs to thrive. ROK Financial offers flexible loans and working capital with quick approvals and manageable repayment terms to help you scale
- $10,000 - $5 Million
- 6 Months - 10 Year Terms
- Funding in 30 - 45 Days
SBA Loans
ROK Financial helps businesses secure SBA-backed financing for growth, equipment, or working capital. Enjoy lower rates, longer terms, and reliable funding to support your business goals.
- $10,000 - $5 Million
- 10 - 25 Year Terms
- Funding in 30 - 45 Days
Business Lines of Credit
Access flexible, revolving funds whenever your business needs them. ROK Financial’s lines of credit help manage cash flow, cover expenses, and seize growth opportunities quickly.
- $10,000 - $5 Million
- 6 Months - 10 Year Terms
- Funding in 30 - 45 Days
Real people who trust us with their healthcare every day.
Thousands served with affordable, coordinated healthcare solutions.
Top-rated by members who love the care they receive.
Care+ Health Plans
Show your employees that you care.
By providing employer-sponsored health benefits, you will improve employee retention, avoid employer mandate penalties, and keep your employees motivated.
Care+ Core
Affordable health coverage to meet your employees’ financial and medical needs.
Care+ Copay
Value and quality combine to provide affordable access to substantial coverage.
Smile with Confidence
25,000+ Customers Trust Us!
Ultrio Plus
Individual & Family Health Membership
Affordable healthcare for the self-employed, families and uninsured individuals. Pay for the care you use, not the coverage you don’t.
Well Rounded:
Major medical, prescriptions, and virtual care in one place
Affordable
Save money through care coordination, no networks, and virtual care.
Convenient
Access 70,000+ pharmacies, mail-order, and virtual primary care.
Coordinated Care
Guidance for routine needs and unexpected medical events.
Easy
Schedule appointments and handle prescriptions all within Ultrio.
Transparent
Predictable costs through clear pricing and guidelines.
Ultrio Virtual Rates (2026)
| IUA | Age Group | Member Only | Member & Spouse | Member & Child(ren) | Member & Family |
|---|---|---|---|---|---|
| $1,250 | 18-29 | $264.00 | $463.00 | $463.00 | $673.00 |
| $1,250 | 30-49 | $294.00 | $490.00 | $490.00 | $684.00 |
| $1,250 | 50-64 | $388.00 | $656.00 | $656.00 | $917.00 |
| $2,500 | 18-29 | $202.00 | $340.00 | $340.00 | $534.00 |
| $2,500 | 30-49 | $224.00 | $383.00 | $383.00 | $546.00 |
| $2,500 | 50-64 | $298.00 | $514.00 | $514.00 | $727.00 |
| $5,000 | 18-29 | $153.00 | $266.00 | $266.00 | $373.00 |
| $5,000 | 30-49 | $170.00 | $310.00 | $310.00 | $398.00 |
| $5,000 | 50-64 | $228.00 | $416.00 | $416.00 | $530.00 |
Ultrio Plus Rates (2026)
| IUA | Age Group | Member Only | Member & Spouse | Member & Child(ren) | Member & Family |
|---|---|---|---|---|---|
| $1,250 | 18-29 | $339.00 | $613.00 | $613.00 | $883.00 |
| $1,250 | 30-49 | $369.00 | $640.00 | $640.00 | $894.00 |
| $1,250 | 50-64 | $463.00 | $806.00 | $806.00 | $1,127.00 |
| $2,500 | 18-29 | $277.00 | $490.00 | $490.00 | $744.00 |
| $2,500 | 30-49 | $299.00 | $533.00 | $533.00 | $756.00 |
| $2,500 | 50-64 | $373.00 | $664.00 | $664.00 | $937.00 |
| $5,000 | 18-29 | $228.00 | $416.00 | $416.00 | $583.00 |
| $5,000 | 30-49 | $245.00 | $460.00 | $460.00 | $608.00 |
| $5,000 | 50-64 | $303.00 | $566.00 | $566.00 | $740.00 |
Ultrio Hsa Rates (2026)
| IUA | Age Group | Member Only | Member & Spouse | Member & Child(ren) | Member & Family |
|---|---|---|---|---|---|
| $1,250 | 18-29 | $275.00 | $485.00 | $485.00 | $706.00 |
| $1,250 | 30-49 | $305.00 | $512.00 | $512.00 | $717.00 |
| $1,250 | 50-64 | $399.00 | $678.00 | $678.00 | $950.00 |
| $2,500 | 18-29 | $235.00 | $406.00 | $406.00 | $601.00 |
| $2,500 | 30-49 | $257.00 | $449.00 | $449.00 | $613.00 |
| $2,500 | 50-64 | $331.00 | $580.00 | $580.00 | $794.00 |
| $5,000 | 18-29 | $190.00 | $331.00 | $331.00 | $490.00 |
| $5,000 | 30-49 | $207.00 | $365.00 | $365.00 | $501.00 |
| $5,000 | 50-64 | $265.00 | $466.00 | $466.00 | $643.00 |
Affiliate Partner, Zion HealthShare
Transparent, community-driven medical cost-sharing (no religious requirements). Members voluntarily share eligible expenses at a fraction of traditional premiums—ideal for self-employed, small businesses, and families seeking affordable alternatives to high-cost, low-benefit insurance.
Affiliate Partner, Planstin Administration (planstin.com)
Innovative third-party admin for cost-effective, customizable employee health benefits. It simplifies management, reduces unnecessary costs, and delivers adaptable plans to attract and retain talent without premium hikes or bureaucracy.
Affiliate Partner, ROK Financial (rok.biz)
Fast, flexible small business financing (loans, lines of credit, equipment funding, working capital—from $10K to $5M+, often funded in 1–5 days). It empowers owners to manage cash flow, invest, and scale with straightforward approvals.
These partnerships enable me to guide clients toward smarter health options, effective team benefits, and accessible capital. If you’re an entrepreneur needing affordable healthcare, streamlined benefits, or funding to grow—let’s connect and find what fits your goals.
Trusted by Thousands of Business Owners Across America
ROK Financial Loan Services
Find the right coverage at the best price.
ROK Financial offers a full suite of financing options — find the exact funding that fits how your business operates and grows.
Term Loans + Working Capital
Secure the capital your business needs to thrive. ROK Financial offers flexible loans and working capital with quick approvals and manageable repayment terms to help you scale
- $10,000 - $5 Million
- 6 Months - 10 Year Terms
- Funding in 30 - 45 Days
SBA Loans
ROK Financial helps businesses secure SBA-backed financing for growth, equipment, or working capital. Enjoy lower rates, longer terms, and reliable funding to support your business goals.
- $10,000 - $5 Million
- 10 - 25 Year Terms
- Funding in 30 - 45 Days
Business Lines of Credit
Access flexible, revolving funds whenever your business needs them. ROK Financial’s lines of credit help manage cash flow, cover expenses, and seize growth opportunities quickly.
- $10,000 - $5 Million
- 6 Months - 10 Year Terms
- Funding in 30 - 45 Days
Real people who trust us with their healthcare every day.
Thousands served with affordable, coordinated healthcare solutions.
Top-rated by members who love the care they receive.
Care+ Health Plans
Show your employees that you care.
By providing employer-sponsored health benefits, you will improve employee retention, avoid employer mandate penalties, and keep your employees motivated.
Care+ Core
Affordable health coverage to meet your employees’ financial and medical needs.
Care+ Copay
Value and quality combine to provide affordable access to substantial coverage.
Smile with Confidence
25,000+ Customers Trust Us!
Ultrio Plus
Individual & Family Health Membership
Affordable healthcare for the self-employed, families and uninsured individuals. Pay for the care you use, not the coverage you don’t.
Well Rounded:
Major medical, prescriptions, and virtual care in one place
Affordable
Save money through care coordination, no networks, and virtual care.
Convenient
Access 70,000+ pharmacies, mail-order, and virtual primary care.
Coordinated Care
Guidance for routine needs and unexpected medical events.
Easy
Schedule appointments and handle prescriptions all within Ultrio.
Transparent
Predictable costs through clear pricing and guidelines.
Ultrio Virtual Rates (2026)
| IUA | Age Group | Member Only | Member & Spouse | Member & Child(ren) | Member & Family |
|---|---|---|---|---|---|
| $1,250 | 18-29 | $264.00 | $463.00 | $463.00 | $673.00 |
| $1,250 | 30-49 | $294.00 | $490.00 | $490.00 | $684.00 |
| $1,250 | 50-64 | $388.00 | $656.00 | $656.00 | $917.00 |
| $2,500 | 18-29 | $202.00 | $340.00 | $340.00 | $534.00 |
| $2,500 | 30-49 | $224.00 | $383.00 | $383.00 | $546.00 |
| $2,500 | 50-64 | $298.00 | $514.00 | $514.00 | $727.00 |
| $5,000 | 18-29 | $153.00 | $266.00 | $266.00 | $373.00 |
| $5,000 | 30-49 | $170.00 | $310.00 | $310.00 | $398.00 |
| $5,000 | 50-64 | $228.00 | $416.00 | $416.00 | $530.00 |
Ultrio Plus Rates (2026)
| IUA | Age Group | Member Only | Member & Spouse | Member & Child(ren) | Member & Family |
|---|---|---|---|---|---|
| $1,250 | 18-29 | $339.00 | $613.00 | $613.00 | $883.00 |
| $1,250 | 30-49 | $369.00 | $640.00 | $640.00 | $894.00 |
| $1,250 | 50-64 | $463.00 | $806.00 | $806.00 | $1,127.00 |
| $2,500 | 18-29 | $277.00 | $490.00 | $490.00 | $744.00 |
| $2,500 | 30-49 | $299.00 | $533.00 | $533.00 | $756.00 |
| $2,500 | 50-64 | $373.00 | $664.00 | $664.00 | $937.00 |
| $5,000 | 18-29 | $228.00 | $416.00 | $416.00 | $583.00 |
| $5,000 | 30-49 | $245.00 | $460.00 | $460.00 | $608.00 |
| $5,000 | 50-64 | $303.00 | $566.00 | $566.00 | $740.00 |
Ultrio Hsa Rates (2026)
| IUA | Age Group | Member Only | Member & Spouse | Member & Child(ren) | Member & Family |
|---|---|---|---|---|---|
| $1,250 | 18-29 | $275.00 | $485.00 | $485.00 | $706.00 |
| $1,250 | 30-49 | $305.00 | $512.00 | $512.00 | $717.00 |
| $1,250 | 50-64 | $399.00 | $678.00 | $678.00 | $950.00 |
| $2,500 | 18-29 | $235.00 | $406.00 | $406.00 | $601.00 |
| $2,500 | 30-49 | $257.00 | $449.00 | $449.00 | $613.00 |
| $2,500 | 50-64 | $331.00 | $580.00 | $580.00 | $794.00 |
| $5,000 | 18-29 | $190.00 | $331.00 | $331.00 | $490.00 |
| $5,000 | 30-49 | $207.00 | $365.00 | $365.00 | $501.00 |
| $5,000 | 50-64 | $265.00 | $466.00 | $466.00 | $643.00 |