Reef Health

Franchise

Sell the thing every small business owner complains about.

Health benefits are the line item owners hate most and understand least. Reef franchisees sell a plan that costs less and gets used more — with no storefront, no royalties, and recurring revenue on every member enrolled.

Request franchise infoSee what you'd be selling
A healthcare professional reviewing information on a tablet.
The proof

Powered by Redirect Health

$168M+
saved for members
100,000+
people covered
50
states with access
24/7/365
access to care
2.9M
appointments scheduled
587,059+
available providers

Benefits trusted by teams at these brands and 100,000+ members nationwide

  • Chick-fil-A
  • McDonald's
  • Jimmy John's
  • College Hunks Hauling Junk
  • MaidPro

The model

Why the economics work.

Most franchises sell you overhead and take a cut of what’s left. This one has neither, because there’s nothing physical to operate.

  1. 01

    No storefront

    The franchise operates virtually. There's no lease, no build-out, no staffing a location, and no geography limiting who you can sell to.

  2. 02

    No royalties

    Reef doesn't take a royalty on your revenue, and there's no advertising fund fee skimmed off the top.

  3. 03

    Recurring, not transactional

    You earn on every enrolled member every month — up to $28 per member per month — so income compounds with the size of the accounts you sign rather than resetting each quarter.

  4. 04

    You don't deliver the care

    Redirect Health provides the provider network, the 24/7 care team and the member service operation. Your work is local business development and relationships, not claims or clinical delivery.

What you’re selling

Five pillars, one monthly number.

Medical
24/7 virtual primary care, in-office primary and urgent care, pediatrics, labs, imaging, and specialist coordination — all routed by a human care team.
Mental health
Tele-counseling with no per-visit cost on Premium tiers, plus care navigation that treats mental health as primary care, not an add-on.
Physical
Access to 20,000+ gyms and 4,000+ virtual fitness classes, plus chiropractic visits included on Premium tiers.
Financial
Up to 40% off at 400+ wellness retailers, transparent pricing before every visit, and cost negotiation handled on your behalf.
Social
A network of small business owners who left the traditional carrier model — and the operators who help them run it.

You'd be selling benefits already trusted by teams at these brands

  • Chick-fil-A
  • McDonald's
  • Jimmy John's
  • College Hunks Hauling Junk
  • MaidPro

Who this fits

It sells on arithmetic, not on charm.

Comfort with a numbers-led conversation matters more than any clinical background. If you already have relationships with owner-operators, you have the hard part.

  • Benefits brokers and insurance agents
  • Payroll and PEO professionals
  • Business consultants and fractional CFOs
  • Chamber and trade association leaders
  • Franchise operators in other categories
  • Anyone with a book of small business owners

Franchise questions

What prospective franchisees ask.

The offering, the overhead, the training, and who tends to do well with it.

What does a Reef Health franchise actually sell?

A Reef Health franchisee sells membership-based health benefit plans to small and medium-sized businesses and to individuals and families. The plans are underwritten and delivered by Redirect Health, so the franchisee's work is local business development and relationship management rather than claims administration or care delivery.

What are the overhead costs?

Reef Health franchises operate virtually. There is no brick-and-mortar location, no royalty on revenue, and no advertising fund fee. Franchisees earn recurring revenue on every enrolled member — up to $28 per member per month as published by Reef Health — which means income scales with the size of the employer accounts signed rather than with foot traffic.

What training and support do franchisees receive?

Reef Health provides a structured training program covering business development, marketing, operations, and technology, with foundational instruction at onboarding and ongoing support afterward. Because Redirect Health delivers the care and the care navigation, franchisees are supported by an existing national provider network and member service operation from day one.

Who is a good fit for a Reef Health franchise?

The model fits people with existing relationships among small business owners — benefits brokers, insurance agents, payroll and PEO professionals, business consultants, chamber and association leaders, and franchise operators in other categories who already sell to owner-operators. The product sells on a clear economic argument, so comfort with a numbers-led conversation matters more than clinical background.

Want the numbers on a territory?

Tell us your background and the market you'd want to cover. The team will walk you through the model, the training programme and what a realistic first year looks like.

Request franchise infoOr call the care team, 24/7/365888-407-7928
  1. 01

    Talk to a human

    A short call to understand who you're covering, what you're paying now, and what your team or family actually uses. No portal, no quote engine.

  2. 02

    Build the plan

    Pick the tiers that fit, decide how much you fund if you're an employer, and add dental and vision if you want it. You see the exact monthly number before you commit.

  3. 03

    Use it the same week

    Enrollment, billing, and access run through one system. Members install the app, activate, and have 24/7 virtual care and a care team from day one.