HealthFlock · '25
Medical, dental, vision.
Group rates from major carriers. The same plans your salaried friends have.
FromSOLO
✈
ToFLOCK
Boarding
Priority
Benefits, for the unbossed
You went solo.Your benefits shouldn't have.
Health, retirement, and the perks the salaried world keeps quietly to itself — pooled into group rates for people who work for themselves.
Early access. No spam. We'll only email when it's ready.
What's in the flock
The benefits package you'd build for yourself(if you had a benefits package).
RetirementFlock · '25
401(k), IRA, Roth.
Tax-advantaged retirement, open to every 1099 and LLC.
FromSOLO
✈
ToFLOCK
Boarding
Priority
DisabilityFlock · '25
Short & long-term disability.
Income protection if you're sidelined.
FromSOLO
✈
ToFLOCK
Boarding
Priority
HSA · FSAFlock · '25
HSA & FSA accounts.
Pre-tax healthcare spending. Cuts effective costs 20–30%.
FromSOLO
✈
ToFLOCK
Boarding
Priority
Mental healthFlock · '25
Therapy & counseling.
Major provider networks. No referral required.
FromSOLO
✈
ToFLOCK
Boarding
Priority
LifeFlock · '25
Term life insurance.
Group rates on the policy that protects your family.
FromSOLO
✈
ToFLOCK
Boarding
Priority
PerksFlock · '25
Software & tool discounts.
Group rates on the apps your business runs on.
NotionFigmaAWSAdobeStripeWebflowVercel+ a growing list
FromSOLO
✈
ToFLOCK
Boarding
Priority
The numbers
What you're actually paying going solo.
Estimated monthly costs for a 32-year-old freelancer. Actual savings vary by age, location, and plan.
On your own
With Flock
Medical insurance
$490 / mo
$185 / mo
Dental
$65 / mo
$24 / mo
Vision
$16 / mo
$7 / mo
Disability
$125 / mo
$42 / mo
Life insurance
$40 / mo
$14 / mo
Total / month
$736 / mo
$272 / mo
That's $5,500+ back in your pocket — every year.
Based on monthly premium savings alone. Doesn't include tax advantages, retirement matching, or perks discounts.
How it works
Three steps. No HR department.
- 01Get on the list
Tell us about you.
A few minutes of context — what you do, where you live, who depends on you. That's it.
- 02We pool the group
Join the flock.
You're now part of a large, healthy risk pool — the kind of group insurers actually want to underwrite.
- 03Choose your coverage
Pick your benefits.
Browse the plans, choose what fits, and you're covered. Manage everything from a single dashboard.
Our mission
Our mission is to help those who fly solo.
Independent work is real work. The designers, developers, writers, and founders who chose themselves built real businesses and took real risk. They deserve the same benefits floor as anyone with a salaried job.
Health insurance, retirement, the perks that come with belonging to a group — not marketplace afterthoughts and patchwork plans pieced together from whatever happens to be available.
Flock pools the unbossed into one large, healthy group, with the same negotiating power as a Fortune 500 company. We're building the infrastructure that should have existed already, for everyone who chose themselves.
FAQs
Your questions,answered
01Is this insurance?
Flock is a benefits platform that operates as a PEO. We pool you into group plans — including real insurance underwritten by major carriers.
02How is this cheaper than the marketplace?
Group risk pools. The same mechanism large employers use to get better rates — we just open it up to people who don't happen to work for one.
03Am I a W-2 employee of Flock?
Optionally. If you want payroll, withholding, and W-2 status handled for you, we can do that. Otherwise you stay 1099 and just get access to the benefits.
04What does it cost?
Pricing is in progress. Waitlist members get early access and founding-member rates when we open enrollment.
05When does it launch?
We're rolling out by region. Joining the waitlist gets you first access in your area.
Join the waitlist
Fly with us.
Early access and founding-member rates when we open enrollment.