Enough! Health
Health insurance took your power. We’re giving it back.
See the posted price before you go. Pay with one card. Keep what you don’t spend.
The owner, not the product. App invite-only this fall. Individual coverage targeting 2027.
18–29%1
below network rates where a hospital's posted price beats the network rate
5701
hospitals measured across 23 states, and counting
02
estimates. Every price is the hospital's own published number, re-checked on a schedule
1. Enough! Health measurement of hospital-published price files, August 2026. Measured range across facilities where a posted cash price is lower than the reported network rate. 2. Hospitals must publish their prices under federal price-transparency rules. We read the files they publish and re-check them on a schedule.
How it works
Four steps. One card. No permission slips.
This is the app, not an illustration of it. The screens below run on sample data.
1Search in plain language.
Knee replacement, colonoscopy, sick kid visit. No codes, no portal, no phone tree.
- 2
Compare posted prices on a map.
Every pin is a real hospital's published cash price, with its quality rating and distance. Pick any one.
3Tap the Care Approved Card.
The provider is paid at its posted price. No claim forms. No prior authorization. No surprise bill weeks later.
4Watch your Reserve.
What you don't spend stays in a balance with your name on it, and it carries forward every year.
The receipt
Every price we show comes with its receipt.
Tap any facility and you get the number, where it came from, and what it means: the hospital’s posted cash price, how it compares to what Medicare pays for the same service, and every rate that hospital has on file. When we don’t have a posted price, we say so. We never fill the gap with an estimate dressed up as a fact.
Cash price
Posted by the hospital itself
% of Medicare
One yardstick for every facility
Rates on file
Nothing hidden behind a login
Four powers the system took. We give all four back.
Traditional insurance is designed to take. Your premium, your information, your control. Enough! is designed to give it back, and each power has a screen to prove it.
The Care Approved Card
One card. The provider’s posted price, paid in 24 to 48 hours.
No claim forms. No prior authorization. No waiting six weeks for a letter that explains nothing. The card is the plan.
- What the front desk seesA card and a member ID. Nothing to verify, nothing to pre-authorize.
- What you doAsk for the posted self-pay price. Tap the card. That's the whole checkout.
- What happens afterThe provider is paid at its posted price, the right pocket pays, and the visit lands on your record as a Care Event.
Card issuance begins this October for members through their employer.
Too good to be true?
Fair question. Here is what is behind it.
- Why now
- Federal price-transparency rules made hospitals publish their prices. For the first time, coverage can be built around the member instead of the carrier.
- Who we are
- Enough! Health is a trade name of Open Enrollment, Inc. Our administrator entity is incorporated in Delaware. URAC accreditation is in progress.
- What we won't say
- We'd rather tell you the truth than make the sale. If something isn't right for you, we'll say so.
Why we built this
I’ve had Enough. Enough of premiums climbing every year. Enough of insurers telling my doctors what they can order. Enough of watching my second-biggest expense disappear into someone else’s profit margin.
Over two years my family spent more than $25,000 on health insurance and used less than half of it. We got balance-billed for an out-of-network doctor at an in-network facility. We waited three months for an MRI behind rounds of approvals. You shouldn’t have to beg to use the coverage you pay for.
The people who buy care are smart enough to own their decisions, their information, and the relationship with their doctor. The system took those powers. We’re giving them back.
— Cole Erdmann, Co-Founder
Whole person
Your health, in one place you own.
Your record
Conditions, medications, labs, immunizations, allergies. Yours to read, add to, and share on your terms.
Uploads that read themselves
Photograph a bill or a visit summary and it lands on your record already itemized.
Devices and check-ins
Connected watches and scales, short surveys, a journal. Physical, mental, and financial health treated as one thing.
Where do you fit?
One idea, three doors.
Through your employer
If your employer runs a self-funded plan, Enough! can administer it. Every employee gets a Reserve with their name on it, the card, and the app.
For employers and brokers →On your own
Individual coverage is in the works. Want to know the moment it's ready in your state? We'll email you once. No pitch.
Wellness, today
Physician-guided weight management and longevity care you can start this week through Enough! Health Wellness.
See if you qualify →Questions people ask.
Enough! Health administers self-funded employer plans today through Enough! Health Administrators. Individual coverage is in development and subject to state approval. Enough! Health is not a licensed insurer.
From the hospitals themselves. Federal rules require hospitals to publish their prices. We read those files, rate each price against the same yardstick, and re-check them on a schedule. When a hospital hasn't posted a price, the app says so.
A balance with your name on it that pays for care. What you don't spend carries forward. It is not a retirement account, an investment vehicle, or a brokerage product.
No. You pick the provider, you see the posted price, you tap the card. Your doctor decides what care you need.
Yes. Any provider that accepts its own published price is in, by definition. There is no network to fall out of.
The app opens by invitation this fall for members through their employer. Join the notify list and we'll tell you when your door opens.
Employer or broker? Your door is at enoughhealthgroup.com.