Our Story

15 Years Helping People Choose Coverage Confidently

We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.

About Flex Hour Health

We exist for the 30 million Americans whose hours never quite add up to "full benefits."

Part-time, variable-hour, and multi-job workers are everywhere — but the insurance industry was built for 40-hour-a-week employees. Flex Hour Health is the marketplace advisory built the other way around: hours first, plans second.

Our timeline
2019
The 28-hour problem
Our founders noticed a pattern: friends and family scheduled at 28 hours a week — just under the 30-hour ACA employer threshold — were locked out of workplace coverage by design.
2021
Built around the marketplace
We started small: a single advisor walking part-time retail workers through ACA subsidies after the American Rescue Plan expanded eligibility. Word travelled fast.
2024
Variable hours, by design
We rebuilt our entire intake around variable schedules: hours that change every week, multi-job income, and slow seasons. No more annual-salary-only forms.
Today
Coverage that fits your hours
Flex Hour Health now serves part-time, gig, contract, and multi-job workers in all 50 states — with one promise: your schedule should never be the reason you're uninsured.
Hour-aware
Every quote starts with your real weekly hours and pay variability — not a salary your employer doesn't actually offer you.
Subsidy-first
We model your premium tax credit against variable income before recommending a plan — most part-time workers leave $1,800+/yr on the table.
Year-round
Schedule changes, lost shifts, and second jobs are Special Enrollment events. We re-check eligibility whenever your hours move.
Free, period
Advisor calls, plan comparison, and enrollment cost $0. Carriers compensate us — you pay the same as buying direct.

Workers we book consultations with every week

Retail & food service Rideshare & delivery Adjunct faculty Per-diem nurses Hotel & hospitality Seasonal & event staff Home health aides Freelance creatives Multi-job households
Why Flex Hour Health

Health insurance that
respects your timesheet.

We started this brand because the existing system asks a 25-hour-a-week worker to apply through a portal designed for 40-hour-a-week salaried life. That's a category error. Every pillar below exists to fix it.

No minimum hours, ever

Most employer plans cut you off below 30 hours a week. Every plan we surface works whether you clocked 8 hours last week or 38.

Coverage during slow weeks

Your hours dipped this month? Your plan doesn't. Premium drafts on a steady date, subsidies adjust automatically when your income changes.

Built for multi-employer stacks

Two part-time jobs and a side gig? One plan covers all of it — and your subsidy is calculated on combined income, not whichever W-2 came first.

Pause and restart by month

Seasonal gap coming? Pause your dental and vision for the off-season — restart in 60 seconds when your contract starts back up.

From the variable-hour majority

Real schedules.
Real plans that fit them.

Every quote below is from a member whose hours move. The hour-band badge is the actual pattern they were working when they enrolled.

30 hrs · 2 jobs

“I clock 22 hours at the café and another 8 tutoring on weekends. Every plan I looked at on my own assumed I worked 40 hours somewhere. Flex Hour Health found me a Silver plan that costs $14 a month after subsidy.”

Sarah K.
Barista + Tutor, Portland OR
Variable · 1099

“Lyft during the week, DoorDash on weekends, no employer in sight. My income changes by $800 month-to-month. My advisor built a plan around that reality instead of pretending it doesn't exist.”

Marcus T.
Rideshare + Delivery, Atlanta GA
32 hrs · 3 schools

“I'm an adjunct at three different colleges. Combined I teach more than full-time, but none of them offer benefits. I'd been uninsured for two years. Enrolled in 11 minutes on a Sunday evening call.”

Dr. Priya N.
Adjunct Professor, Boston MA
Seasonal · 2 contracts

“Ski instructor November to April, landscaper May to October, four weeks off in between. They actually set up a plan I can pause for those four weeks and restart without re-applying. That's never happened to me before.”

Jamie R.
Seasonal Worker, Denver CO
28 hrs · 1 job

“Worked retail my whole adult life — always under 30 hours so I'd never qualify for the store's benefits. I didn't know I qualified for a $0 premium plan until I called these folks. I'd been paying $189/month direct to a carrier.”

Diane M.
Retail Associate, Phoenix AZ
Per-diem · variable

“Home health aide on a per-diem schedule. My agency offers nothing. They walked me through pediatric dental too — added it for $19 and I covered my daughter's appointment the next week.”

Yolanda B.
Per-Diem Aide, Houston TX