A smarter way for independent business professionals to manage healthcare costs.

Health coverage designed specifically for self-employed business owners.

Take control of your healthcare costs.

If you're a self-employed South Dakota REALTOR®, there's now a great alternative to private and exchange plans. You can choose from a wide range of options, find the right coverage and price for you and your family, and get great care while saving money.

Plan benefits:

  • Alternative to Traditional Plans: Reliable, established coverage beyond typical private and exchange plans.
  • Nationwide PPO Networks: Freedom to choose from a broad network of doctors and facilities.
  • Potential Tax Savings: Possible business tax benefits; consult your advisor.
  • Easy Online Enrollment: Secure, convenient sign-up anytime; enroll by the 15th for coverage on the 1st.
  • Flexible Plan Design: Choose from plans that may include Health Savings Account (HSA) eligibility.

Getting coverage has never been easier.

Step 1

Enter your basic information to view plans and cost estimates.

Step 2

Create an account to start the process and choose your plans.

Step 3

Sign disclosures and contracts to finalize and establish plans.

You don’t have to take our word for it.
See what others are saying:

The savings are too good to pass up and the customer service has been there when I needed them.

Craig Pfau
Similar Benefits Program

The whole process was great!

D.W.
Similar Benefits Program

Having the opportunity to secure coverage at much more reasonable rates is a great relief! Looking forward to good experiences going forward!

E.P.
Similar Benefits Program

Eligibility and Requirements

  • For most plans, sole proprietors and contractors must operate their business using a federal tax ID and be actively working.
  • Dependent coverage may require verification of relationships – may include marriage certificates, birth certificates or other supporting documents.
  • Enrollments finalized by the 15th of the month will be effective the following month. Any enrollment after the 11th will be effective the month after the following month.
    • For example: an enrollment finalized on February 15 will become active March 1; an enrollment finalized February 18 will become active April 1.

Our Partners

View our resources to learn more about how you can benefit.

Member Resources

Browse plan summaries, documents and more in our member resources.

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Vault Captive FAQs

Have questions about our captive products? View our FAQs to learn more.

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View Instant Rates

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