Your people work for themselves.
Not by themselves.
Most of the people you serve sit outside employer benefits, 1099 contractors, part-timers, seasonal crews, small teams with no group plan.
GigCare gives them a real role and real ownership through PSM, and with it, access to benefit options they cannot reach on their own.
FROM
$700
a month, individual
AVAILABLE IN
38
states
OBLIGATION
1
survey a month
Let's TalkRun the numbersSee both plansThe math stopped working.
Marketplace pricing has pushed coverage out of reach for exactly the people you serve — the ones with no employer writing half the check. Here is what that looked like in one county.
The same household. The same month.
$1,074
less each month for that household.
About $12,900 over a year.
109 of 114
plan matchups
Where a Caravan option came in below a comparable $6,000-deductible marketplace plan.
Harris County, Texas. Member and spouse, both age 50, compared like for like in the same county and month. GigCare starts at $700 a month for an individual — $1,032 is this household’s rate, not a floor.
One opportunity. Two plans.
Working Owner status opens the door. What your people walk through is their choice, the same program, at two levels of coverage and two prices.
MAJOR MEDICAL
GigCare
From $700
per month, individual
For people who want comprehensive coverage, the level most would recognize as real health benefits.
- Major medical coverage
- A national PPO network
- Individuals or families
LIMITED MEDICAL
MaxGuard
From $300
per month, individual
For people who want less coverage and a lower monthly cost. A real plan, not a discount card.
- Limited medical coverage
- A national network
- Individuals or families
Members choose between the two. MaxGuard is not a fallback or a consolation prize, it is a different level of coverage at a different price. Both plans cover individuals or families, and both are available in the same states.
You open the door. We do the rest.
No administration, no eligibility files, no fiduciary role, and nothing new for your team to learn.
You
The relationship you already have.
- Make the introduction
- Tell your people it exists
- Stay the trusted name in the room
Caravan
Everything the program runs on.
- Rollout marketing, written and designed
- Enrollment, online and self-serve
- Licensed advisors on every plan conversation
- Member service and support
- Renewals
Plan administration
Handled by a licensed third party.
- Plan administration and billing
- Claims processing
- A dedicated service team members can call
A real model, not a marketing promise.
You own a piece of it
Members hold a genuine fractional equity interest in the partnership, with the paperwork to prove it. Nothing about it is a membership club.
Clarity and transparency
App-driven tasks and guided navigation keep the member experience simple and keep your team out of it.
Nothing lands on you
No administration, no eligibility files, no fiduciary role. Caravan runs enrollment, service, and ongoing support.
Licensed advisors do the coverage work
A licensed advisor reviews options with every member before anything is decided. You open the door; we handle everything after it.
Ownership changes the conversation.
Population Science Management (PSM) is a data research and analytics company built for a changing workforce. It gives independent workers a structured way to contribute, completing one short, app-based survey each month as Consumer Data Respondents.
Eligible individuals become Working Owners by holding a fractional equity interest in the partnership and contributing to its operations.
What your people get
They sign a Joinder Agreement and become a fractional equity owner of PSM- They complete one short survey a month in the app to stay in good standing
- They are paid for completed surveys, and hold a limited partner ownership interest
- They receive a Schedule K-1 and Form 1095, a real, documented relationship
Ownership first. Opportunity next.
A clear sequence that begins with the opportunity and treats people with structure and honesty at every step.
01
See if it fits
A few quick questions show whether the Working Owner opportunity is a fit for them.
02
Become a Working Owner
If eligible, they join PSM as a Working Owner in the role of Consumer Data Respondent (CDR).
03
Stay active
One short survey a month keeps them in good standing and they are paid for it.
04
Explore benefits
Active, eligible Working Owners have the opportunity to explore PSM’s benefit options.
What the
opportunity includes
For active, eligible Working Owners who meet program requirements, the relationship may include the opportunity to explore PSM’s employer-sponsored group health benefits, which can include major medical and limited medical options on trusted national networks.
Specific plan details and pricing are reviewed individually with a licensed broker after suitability and Working Owner status are established. Benefit options are not guaranteed and may vary.
GigCare is not insurance. Eligibility to participate in PSM’s employer-sponsored group health plan requires Working Owner status and meeting program requirements. Plan discussions occur with a licensed broker after suitability.
The parts most programs bury.
- ENROLL BY
- The 23rd, for coverage starting the 1st
- BILLED
- The 20th, for the following coverage month
- PAYMENT
- Bank draft only. No cards
- CANCEL
- Any time after the first month
- HEALTH QUESTIONS
- Asked first. Anyone not suited sees other options on the spot
38
STATES AVAILABLE
- Alabama, available
- Alaska, available
- Arizona, available
- Arkansas, available
- California, not available
- Colorado, available
- Connecticut, not available
- Delaware, available
- Florida, available
- Georgia, available
- Hawaii, not available
- Idaho, available
- Illinois, available
- Indiana, available
- Iowa, available
- Kansas, available
- Kentucky, available
- Louisiana, available
- Maine, available
- Maryland, not available
- Massachusetts, available
- Michigan, available
- Minnesota, not available
- Mississippi, not available
- Missouri, available
- Montana, available
- Nebraska, available
- Nevada, available
- New Hampshire, not available
- New Jersey, available
- New Mexico, available
- New York, available
- North Carolina, available
- North Dakota, available
- Ohio, available
- Oklahoma, available
- Oregon, not available
- Pennsylvania, not available
- Rhode Island, available
- South Carolina, available
- South Dakota, available
- Tennessee, available
- Texas, available
- Utah, available
- Vermont, not available
- Virginia, available
- Washington, not available
- West Virginia, available
- Wisconsin, not available
- Wyoming, available
NOT AVAILABLE — CA CT HI MD MN MS NH OR PA VT WA WI
SAME FOOTPRINT FOR GIGCARE AND MAXGUARD
One survey a month. That is the whole job.
Working Owners complete their Consumer Data Respondent survey in the app, track their standing, and keep their documents in one place. It takes a few minutes and it is the only ongoing obligation.
- EACH MONTH
- One short survey, a few minutes
- ANY TIME
- Participation and standing at a glance
- IN ONE PLACE
- Agreements, statements and tax documents
WORKING OWNER
March survey
QUESTION 3 OF 8
In the last 30 days, how often did you fill a prescription?
$10 PAID ON COMPLETION
Run the numbers for your group.
Tell us how many people you serve and where they are. We’ll come back with what GigCare and MaxGuard would cost them, what a rollout would look like, and what it would take to launch.
No cost, no commitment, and nothing for your team to prepare.
Let's Talk