For contractors, 1099 workers & small business owners
You work for yourself. Your healthcare costs shouldn't work against you.
CHA Innovative Health helps self-employed people find a MightyWELL Health membership — a health-sharing alternative to traditional insurance, without the employer plan you don't have.
Built for people without an HR department
If nobody's handing you a benefits packet, you're on your own for healthcare. That's who I work with.
Trades & contractors
Roofers, HVAC techs, plumbers, electricians and the crews behind them.
1099 & gig workers
Independent adjusters, consultants, drivers, freelancers — anyone paid on a 1099.
Real estate agents
Independent contractors under a broker, with no group plan to fall back on.
Small business owners
Options for you, your family, and the small team that keeps the doors open.
How it works
Quick call with me
15 minutes. I'll ask about your household, your doctors and what you're paying now.
Pick the right membership
I'll walk you through the MightyWELL options side by side — and tell you straight if it's not a fit.
Enroll and get back to work
Use copays and preventive care for everyday needs, while larger eligible expenses are shared through ShareWELL under your plan guidelines.
Is health sharing right for you?
Health sharing isn't insurance, and it isn't for everyone. Here's the honest version.
Often a good fit if you…
- Are self-employed and don't qualify for large marketplace subsidies
- Are generally healthy and mainly want protection from big medical bills
- Want monthly costs you can plan around
- Are comfortable with a sharing model instead of guaranteed coverage
Probably not the right fit if you…
- Need guaranteed payment of claims
- Need full benefits right away for a pre-existing condition (waiting periods may apply)
- Qualify for a large ACA premium tax credit
- Need coverage that meets ACA requirements for another reason
Your agent
Hi, I'm Cory Gauthier.
I've run a roofing company, managed crews and dealt with 1099s myself — so I know what it's like to be the person responsible for everything, including your own health costs.
I'm a licensed Georgia agent based in Canton. I'll give you real numbers, explain what's shared and what isn't, and tell you if something else would serve you better.
Common questions
Is MightyWELL Health insurance?
No. MightyWELL isn't traditional health insurance. Plans combine direct benefits like copays and preventive care with ShareWELL, a managed sharing program for larger eligible expenses. Benefits follow the plan guidelines rather than being guaranteed the way insurance claims are, and I'll walk you through exactly how that works before you join.
What does it cost?
It depends on your age, household and the membership level you pick. Fill out the quote form and I'll send you real numbers — usually same day.
Can I keep my doctor?
Yes. You can see any licensed provider. Using in-network providers gets you the copay structure and negotiated rates, and out-of-network care is still eligible and processed under your plan guidelines.
I'm not in Georgia. Can you still help?
Reach out anyway. Plan availability and features vary by state, so I'll tell you exactly what's available where you live.
Can I offer this to my employees?
Let's talk through your setup. There are options for small teams, and I'll be upfront about what works and what doesn't.
See what you'd actually pay.
Free quote, straight answers, no obligation.