Health plans built for massage therapists, acupuncturists, bodyworkers, reiki practitioners, and the studios that hold them. ACA marketplace plans, self-employed tax write-offs, and small-studio group options — all in one calm place.
Two minutes. Free. No spam, ever.
Carriers we partner with for our healers.
Coverage that honors your practice.
Each plan is chosen with wellness practitioners in mind — generous on bodywork, mental health, and the kinds of provider networks that actually understand integrative care.
ACA marketplace and off-exchange plans curated for self-employed massage therapists, acupuncturists, and bodyworkers. Subsidy-aware, network-checked, calm to enroll in.
Preventive-first dental coverage with short waiting periods. Designed for practitioners who can't afford a swollen jaw on a 60-minute booking day.
If your work lives in detail — palpation, needle placement, marma points — your eyes are everything. Annual exams, frames, contacts, and LASIK discounts.
Accident, critical illness, and disability coverage that pays cash directly to you. Built for hands-on workers who can't bill clients while recovering.
Whole-household coverage with maternity, pediatric, dental, and vision rolled together. One calm monthly payment, one advisor who knows your life.
For wellness studios, collectives, and partnerships of 2–50 practitioners. Group health, dental, and vision with simple admin and Section 125 tax savings.
Built for the hands that heal.
Independent or studio-based, single-room practice or growing collective — we know the rhythms, the slow seasons, and the self-employed tax write-offs nobody else thinks to mention.
LMTs, structural integrators, Thai practitioners. Plans that prioritize manual therapy benefits and protect your wrists, shoulders, and lower back.
LAc practitioners and herbal medicine providers. Coverage that respects integrative care and won't blink at your continuing-ed costs.
Reiki masters, sound healers, breathwork facilitators. Affordable individual plans for sole practitioners holding sacred space.
Wellness studios, acupuncture clinics, healing collectives. Group plans for 2–50 practitioners, including 1099-friendly options.
Five steady steps to coverage.
No call-center carousels. No bait-and-switch quotes. Just licensed advisors who speak the language of self-employed wellness work.
Share two breaths of info — your discipline, household, and what your practice currently earns. No spam, no SSN, no upsell scripts.
A licensed advisor calls when you're ready. We learn how you actually work — table sessions, clinic hours, retreats, CEUs — before we look at any plans.
Three to five plans hand-picked from ACA marketplace and off-exchange carriers, cross-checked against your providers, subsidies, and CE budget.
Side-by-side comparisons in plain language. Your advisor walks you through enrollment in a single quiet call.
We stay with you — open-enrollment tune-ups, mid-year life changes, claims questions, and the gentle nudges so nothing lapses by surprise.
In quiet practice since 2010.
We work for you, not the carrier.
Independent, calm, and fluent in the realities of practitioner income — variable months, continuing-ed planning, and the hands-on liability nobody else thinks to mention.
We don't sell for any single carrier. Our advisors are trained in how integrative care actually gets billed — acupuncture, chiropractic, manual therapy, mental health visits — and which carriers actually pay for it.
Carriers pay us when you enroll, so our work costs you nothing. Same pricing as buying direct, but with someone who picks up the phone in May when your wrist gives out and you need to know what's covered.
Most wellness practitioners file a Schedule C (the IRS form for self-employed income). We help you stack premium deductions, HSA contributions, and Section 125 plans so coverage actually lowers your tax bill instead of raising your stress.
Your Renewal advisor stays with you — open enrollment tune-ups, mid-year life changes, claims questions, and the renewal nudges so nothing lapses by surprise. We're here for the long practice.
Three paths, all rooted in care.
Each path includes free advisor guidance and the same calm, year-round support. Choose the season you're in — we'll help you replant when it shifts.
For the solo practitioner just starting their books
Whole-household coverage for practitioner families
Group benefits for studios & collectives of 2–50
Practitioners we've quietly covered.
Stories from massage therapists, acupuncturists, energy workers, and studio owners across the country.
“I avoided shopping for health insurance for three years because every site felt like a strip mall. Renewal sent me three plans, all wellness-friendly, and held my hand through enrollment in 20 minutes.”
Maya OkaforLMT · Portland, OR
“My advisor actually knew what a CEU was and that I write off needles. She found me a plan that covered my acupuncture continuing-ed AND my partner's pediatrician. Calm, smart, no pressure.”
Devon NakamuraLAc · Asheville, NC
“We opened a 6-room healing collective last spring and needed group benefits without the corporate energy. Renewal set us up with a Section 125 plan that actually saved us money. Lovely team.”
Aiyana ReyesStudio owner · Santa Fe, NM
“After ten years as a reiki practitioner I finally got real health coverage. The advisor walked me through subsidies in plain English. I cried a little. In a good way.”
Jonah WhitehorseReiki master · Brooklyn, NY
“I tweaked my wrist in March and was out two weeks. The supplemental policy Renewal placed last fall paid me cash in seven days. I rebooked my month without panic.”
Priya SundaramThai bodywork · Austin, TX
“I run a small acupuncture clinic with three LAcs on 1099. Renewal designed a benefits stipend program that kept everyone covered and our admin under an hour a month. Quiet brilliance.”
Cole BeaumontClinic founder · Boulder, CO
Two minutes. No pressure.
A handful of gentle questions. A licensed Renewal advisor — or one of our marketing partners — will reach out with plan options curated for your practice.
We'll tailor your options based on who needs coverage.
The things practitioners actually ask us.
Insurance is intentionally confusing. Here are the questions we hear weekly from massage therapists, acupuncturists, and studio owners — answered with no jargon and no upsell.
Yes. Self-employed wellness practitioners filing a Schedule C can typically deduct 100% of their health, dental, and vision premiums as an above-the-line deduction on Form 1040 — provided you're not eligible for coverage through a spouse's employer. Your Renewal advisor will flag which plans maximize this deduction and which can be paired with an HSA for additional pre-tax savings.
It depends on the plan and the state — but we filter for it. Many ACA marketplace plans now include acupuncture, chiropractic, and physical therapy as essential benefits, often with 12–20 visits per year. Renewal specifically screens plans for integrative-care benefits before we send them to you.
Wellness practitioners earning between $25,000 and $60,000 in self-employment income typically pay $0–$220/month after ACA subsidies in 2026. Premiums vary by age, state, and metal tier. Your advisor will calculate your exact subsidy and out-of-pocket cost at no charge.
This is what supplemental and short-term disability coverage is for. A small monthly premium ($15–$45) buys you cash benefits paid directly to you if you can't work due to injury or illness. We strongly recommend it for any practitioner whose income depends on hands-on bookings.
Yes. Group plans are available for studios with 2 or more W-2 employees. For studios that lean on 1099 contractors, we can design a Section 125 reimbursement plan or an ICHRA that lets you contribute to each practitioner's individual coverage tax-free. Both are simple to administer.
We cross-check every plan against your current providers before you enroll — primary care, specialists, hospitals, and your favorite acupuncturist or chiropractor if they bill through medical. You'll never be surprised after enrollment.
Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Outside this window, you can enroll if you experience a qualifying life event — losing job-based coverage, getting married, having a baby, moving, or aging off a parent's plan. Short-term and supplemental plans are available year-round.
If you choose a High-Deductible Health Plan (HDHP), you can open a Health Savings Account and contribute up to $4,300 (individual) or $8,550 (family) in 2026 — all pre-tax. Funds roll over year to year, can be invested, and are spent tax-free on qualified medical expenses. For wellness pros with variable income, the HSA is one of the most tax-efficient tools available.
No on both. We never share your contact information with carriers until you choose a plan and ask us to enroll you. You'll never receive a cold sales call from us — we work on a quiet, opt-in cadence. Take days, weeks, or a season to decide.
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