Core Protection
Major medical, dental, vision, life insurance, and optional disability protection for contractors and employees without benefits.
Benefits For Contractors, Healthcare Workers & 1099 Professionals
Benefits Access For Today's Workforce
Health Insurance • Telehealth • Dental • Vision • Life Insurance • Financial Wellness • Retirement Solutions
1099
Independent Workers
Healthcare
Contractor Solutions
Employers
Workforce Benefits Access
For Employers & Workforce Leaders:
Need a benefits access solution for contractors, part-time workers, staffing teams, or employees without traditional benefits?
Explore employer solutions →
This is not an employer-sponsored group benefits plan. Options vary by state, eligibility, enrollment period, provider, and product type.
Recommended Benefit Packages
These packages organize benefits the way workers expect to see them while routing fulfillment to the right individual, voluntary, healthshare, telehealth, or financial wellness solution.
Bridge Coverage
Short-term health coverage for contractors waiting for open enrollment or traditional major medical eligibility.
Healthshare Value
Healthshare alternatives for contractors who want lower-cost healthcare access pathways plus add-on benefits.
Income Protection
Life insurance, disability, accident, critical illness, hospital indemnity, and financial wellness support.
Functional Benefits Routing Engine
Build Your Benefits Stack
Select what you need. Your recommended package and routing options will update automatically.
Open enrollment may limit access to certain major medical plans. When someone is outside open enrollment and does not qualify for a special enrollment period, a bridge coverage path or short-term health coverage for contractors may be appropriate.
Your Personalized Benefits Routing Engine
Select benefits to begin
Your selected benefits and recommended routing will appear here.
No benefits selected yet.
Long-Term Financial Security
Independent workers often lose access to traditional employer retirement plans. Explore retirement planning, annuities, rollovers, life insurance, and long-term protection strategies.
Explore Retirement & Wealth PlanningUsers are routed by benefit type first, then fulfillment path. Carrier/product availability depends on state, eligibility, underwriting, and enrollment timing.
Benefits Solutions for Modern Workforces
Purpose-built for underserved workers who need practical access to health, protection, telehealth, financial wellness, and voluntary benefit options.
Benefits for 1099 Workers
Health, dental, vision, life, telehealth, healthshare alternatives, and financial wellness benefits for workers without traditional employer plans.
Benefits for Healthcare Contractors
Built for radiology contractors, healthcare staffing teams, independent clinicians, and distributed medical workforces.
Benefits for Staffing Company Workers
Help staffing firms provide benefits access for workers who may not qualify for traditional group benefits.
Benefits Portal for Small Companies
A simple benefits access portal for small companies, contractor groups, and employers with employees without benefits.
Built for Employers with Underserved Workforces
Help companies offer benefits access to contractors, part-time employees, staffing workers, healthcare contractors, and underserved labor groups without forcing workers into one-size-fits-all traditional benefits plans.
Contractor Benefits Marketplace
Organize voluntary benefits for contractors in a simple, professional, employee-style experience.
Facility-Friendly
Useful for distributed teams across multiple facilities, staffing locations, or workforce groups.
No Payroll Deduction Required
Designed around individual checkout, direct routing, and advisor-assisted enrollment.
Business Growth + Workforce Solutions
Help contractor groups, staffing firms, healthcare organizations, and growing companies provide benefits access while exploring workforce retention, financial wellness, and business growth solutions.
Employers can provide workforce benefits access while also exploring capital, tax, operational, and workforce solutions through Dreams Business Group.
Frequently Asked Questions
Answers for contractors, 1099 workers, healthcare professionals, employers, and staffing firms exploring benefits access.
Is this an employer-sponsored group benefits plan?
No. Workforce Benefits Access is designed as a private benefits access portal and contractor benefits marketplace. It helps route workers to individual, voluntary, healthshare, telehealth, discount savings, and financial wellness options.
Do you help with health insurance for independent contractors?
Yes. The platform helps independent contractors explore health insurance options, short-term coverage, healthshare alternatives, telehealth, and other benefit categories based on eligibility, state, and enrollment timing.
Can this help healthcare contractors and radiology contractors?
Yes. The platform is especially useful for healthcare contractors, radiology contractors, staffing company workers, and distributed healthcare workforces that may not receive traditional employer benefits.
What happens outside open enrollment?
When major medical enrollment is limited and no special enrollment period applies, the platform can route users toward bridge coverage, short-term health coverage for contractors, telehealth, discount savings, or healthshare alternatives where appropriate.
Advisor help
Need help choosing?
Request a benefits review and get routed to the appropriate enrollment pathway based on your state, timing, worker type, and benefit needs.