HSA option
Ultra 8000 HSA
$867 member rate
- Individual deductible
- $8,000
- Coinsurance
- None
- Preventive care
- Covered 100%
- Primary care
- 0% after deductible
- Specialist
- 0% after deductible
- Urgent care
- 0% after deductible
For State Farm agency owners losing health coverage
Your State Farm health coverage is ending. Let's find out what can replace it.
Harbor Group USA helps State Farm agency owners review replacement medical plan options for themselves, their families, and their teams. Start with a straightforward coverage review. No pressure. No obligation.
Independent brokerage. Not affiliated with State Farm.
You need a replacement plan, not another generic insurance pitch.
The State Farm coverage change puts a real decision in front of you. You need to know what is available in your state, whether your doctors and hospitals fit the available networks, and what the plan would mean for your family or agency team.
Harbor Group USA reviews self-funded medical plan options for agency owners in this exact situation. We start with your case, explain the tradeoffs in plain language, and tell you whether an available option deserves a closer look.
If it does not fit, we will tell you that too.
2026 Patriot Medical plans
Four options at a glance
Every option uses the nationwide Cigna PPO network and is available in all 50 states. Start with the deductible and monthly member rate example, then open the full comparison when you want the details.
Traditional co-pay
Ultra 6000
$948 member rate
- Individual deductible
- $6,000
- Coinsurance
- 30%
- Preventive care
- Covered 100%
- Primary care
- $30
- Specialist
- $60
- Urgent care
- $60
Traditional co-pay
Ultra 3000
$1,084 member rate
- Individual deductible
- $3,000
- Coinsurance
- 30%
- Preventive care
- Covered 100%
- Primary care
- $30
- Specialist
- $60
- Urgent care
- $60
Traditional co-pay
Ultra 1000
$1,458 member rate
- Individual deductible
- $1,000
- Coinsurance
- 20%
- Preventive care
- Covered 100%
- Primary care
- $20
- Specialist
- $40
- Urgent care
- $40
Spouse, child, and family rates plus full benefit details are included in the complete comparison.
See the full plan comparison
Review all rate tiers, deductibles, out-of-pocket limits, copays, prescriptions, and out-of-network benefits.
Open or download the PDF
The pricing included in this guide is provided for illustration purposes only and is intended to demonstrate the competitiveness of our plan offerings. Final rates and plan designs are subject to underwriting approval, eligibility requirements, and current program availability.
What we review before recommending anything
State and availability
Plan availability and rules vary by state. We confirm that first.
Who needs coverage
Just you, your family, your employees, or some combination of them.
Timing
When your current coverage changes and how quickly a replacement is needed.
Doctors and hospitals
Any providers or health systems you need the plan to accommodate.
Budget and current coverage
What you have now, what matters most, and what range is realistic.
Eligibility and underwriting
Whether the available self-funded options fit your case and health history.
A clear answer in three steps
-
Share the basics
Tell us your state, who needs coverage, your timing, and any provider priorities.
-
Harbor Group reviews the fit
We compare your situation with the medical plan options available through Harbor Group USA.
-
Decide what happens next
If there is a fit, we explain the option and its tradeoffs. You decide whether to continue.
Straight answers before any decision
We will:
- Explain how the available plan structure works.
- Check the details that matter to your household or team.
- Tell you when an option is worth exploring.
- Tell you when another path makes more sense.
We will not:
- Promise pricing, savings, or eligibility before reviewing your case.
- Imply that a provider network is the company insuring the plan.
- Present a self-funded plan as identical to major-carrier group coverage.
- Pressure you into enrolling.
Once your own coverage is handled
Some agency owners may also be able to offer the solution to their own groups.
Your first priority is replacing your coverage. But once you understand the product as a client, there may be a second conversation worth having.
Qualified agency owners can explore offering the same type of solution to their own groups and earning commission when it is appropriate. Harbor Group can explain the opportunity after your own coverage review is complete.
Coverage first. Business opportunity second.
Ask about this after your coverage review.
Frequently asked questions
Is this ACA marketplace coverage?
No. Harbor Group USA is reviewing self-funded medical plan options. These plans work differently from ACA marketplace coverage and may involve eligibility and underwriting. We explain those differences before you make a decision.
Is this a State Farm plan?
No. Harbor Group USA is an independent brokerage and is not affiliated with, endorsed by, or sponsored by State Farm. This page addresses State Farm agency owners because they are facing a specific coverage change.
Can you tell me whether I can keep my doctors?
Provider access depends on the plan and network available in your case. Share the doctors, hospitals, or health systems that matter to you, and Harbor Group will check them during the review.
Can my family or employees be included?
Possibly. Tell us who needs coverage. Harbor Group will review the available structures for your household and agency team.
Does the coverage review cost anything?
No. The initial review determines whether an available option is worth discussing. There is no obligation to enroll.
What happens after I submit my information?
Harbor Group reviews your state, coverage needs, timing, and provider priorities. If an option appears to fit, we explain it and answer your questions. You decide whether to continue.
What is the business opportunity mentioned on this page?
After handling their own coverage, some qualified agency owners may be able to offer the product to their own groups and earn commission. That conversation comes later and depends on fit, licensing, product availability, and Harbor Group approval.
Step 1
Complete the coverage form.
Complete the five questions below and your email app will open with your information ready to send securely to Harbor Group USA.