Where HR, Payroll, and Benefits work as one.

Employees get 24/7 access to a doctor with $0 visits and $0 prescriptions on covered medications, powered by MD Virtual Care. Workers connect with a licensed provider by phone or video for everyday health needs, with no copay at the point of care.

Yes. Construction and blue-collar businesses can offer their teams meaningful benefits without a traditional group health plan. Labor Is One combines $0 virtual primary care with voluntary benefits employees opt into, giving owners a way to support and retain workers even when full group insurance isn't affordable.

No, virtual primary care is not health insurance. It gives employees $0, 24/7 access to a doctor for everyday care and prescriptions, but it does not replace a major medical plan. Many businesses that can't afford group insurance use it to give their teams practical, always-available care.

Labor Is One offers three voluntary benefits employees can opt into: Accident insurance, Cancer insurance, and Life insurance with a Long-Term Care rider. With most benefits, claim payments go directly to the employee to use however they need.

Generally no. At the initial offering, Labor Is One's voluntary benefits typically require no medical underwriting, so employees can enroll without a medical exam or health questions. This makes it easy for workers to get coverage quickly during their first enrollment.

1099 and self-employed workers, including realtors, can access Labor Is One's $0 virtual primary care and opt into voluntary benefits like Accident, Cancer, and Life with a Long-Term Care rider. It's a practical way for independent workers with no employer plan to get everyday care and financial protection in one place.

Labor Is One is built so small businesses can offer real benefits without the cost of a traditional group health plan. Voluntary benefits are opted into and paid by employees through payroll, so the business isn't carrying premiums. For exact pricing on your team, the best step is to talk with us directly.

Yes. Labor Is One is an independent licensed insurance agency. It works directly on behalf of the businesses and workers it serves to set up their care and benefits. State licensing details, including license numbers, are listed on our Legal page.