
AACFB has partnered with 1099 Health, Redirect Health, and New Journe Consulting to bring members an exclusive health benefits program designed for small and mid-sized businesses.
The Debt-Free Health Plan℠ delivers predictable costs, exceptional care access, and lower rates available only to AACFB members.
Premiums and deductibles rise every year.
Employees delay or skip care because of cost
Business owners face renewal shocks and unpredictable costs

64% of Americans delay or avoid medical care because of cost (Gallup & West Health, 2023)
AACFB members now have a better solution built around affordability and access.
A national, compliance-friendly health plan designed to make healthcare simple and affordable.

Predictable, standardized pricing nationwide
$0 cost barriers for routine and preventive care
24/7 coordinated access to care through Redirect Health
Simple setup and compliance support from New Journe Consulting
Fully ACA and ERISA compliant
Consistent renewals -average rate adjustments ≤ 4.5% per year over the last decade
As an AACFB Member, you receive:
● Lower member-only rates — negotiated exclusively through AACFB
● Dedicated support from Jamison Jacobs and the 1099 Health team
● Expert guidance and compliance support from New Journe Consulting
● White-glove onboarding and ongoing member service
"Our mission is to make healthcare work for business owners again." - Jamison Jacobs, Broker Partner, 1099
The Debt-Free Health Plan℠ is administered by New Journe Consulting in collaboration with Redirect Health. 1099 Health serves as the designated broker for AACFB members. Pricing is standardized nationwide; AACFB members receive exclusive negotiated rates lower than standard market pricing. Rates are subject to change at renewal; however, Redirect Health has historically limited rate adjustments to ≤ 4.5% annually for more than a decade. All materials and communications are subject to carrier and association approval prior to use.
