The short answer is that one probably doesn't exist. Health insurance is largely done on a state by state basis. There are good reasons for this. Mainly, the

The short answer is that one probably doesn't exist. Health insurance is largely done on a state by state basis. There are good reasons for this. Mainly, the biggest benefit of any health insurance plan is not the insurance itself but the negotiated discount for in-network care. You get this discount even with the cheapest high deductible plan. Also, for major procedures and extended hospitalizations the insurance company workds closely with the health providers and it helps to be local. And going with the cheapest provider usually means cheap customer service as well. People like to be critical of health insurance companies and I'm sure it is well deserved in some cases but when my daughter was in the NICU for a week after she was born the health insurance company was the most efficient and helpful part of the process. And it ended up costing me several thousand dollars less than I thought it would. Here's the only way I could think of to make a larger plan work. Work with the existing health insurance companies to get to use their networks and their claims processing. Pay them a percentage. They may just work with you since there is no risk to them, the multi-state company is the one paying the claims. Of course, the capital required to start an insurance company is immense. I personally would never trust my claims to a small startup.