IBN360 helps self-employed professionals, 1099 workers, contractors, entrepreneurs, and families access affordable healthcare and other resources they need.
IBN360 helps self-employed professionals, 1099 workers, contractors, entrepreneurs, and families access affordable healthcare and other resources they need.
Explore Your Options
IBN360 helps self-employed, 1099, and independent professionals get access to healthcare, financial, protection, and business
resources they may not receive through a traditional employer.
Healthcare
Navigation
Explore healthcare resources and learn about options that may be available.
Financial
Wellness
Find resources for managing money, debt, savings, and financial goals.
Protection
Planning
Learn about protection resources and available planning options.
Business
Resources
Find information and resources for freelancers, contractors, and entrepreneurs.
Professional
Guidance
Start with a few questions and explore from there.
Explore Your Options
IBN360 helps self-employed, 1099, and independent professionals get access to healthcare, financial, protection, and business resources they may not receive through a traditional employer.
Healthcare
Navigation
Explore healthcare resources and learn about options that may be available.
Financial
Wellness
Find resources for managing money, debt, savings, and financial goals.
Protection
Planning
Learn about protection resources and available planning options.
Business
Resources
Find information and resources for freelancers, contractors, and entrepreneurs.
Professional
Guidance
Start with a few questions and explore from there.
Traditional benefits don't always work for people outside traditional employment. IBN360 provides healthcare and other resources for:
Self-employed professionals who manage their own benefits.
1099 workers and contractors who don't receive traditional employer benefits.
Freelancers and entrepreneurs who need resources that work outside a traditional workplace.
People between jobs who need another way to access healthcare.
Individuals and families looking for affordable healthcare options.
Traditional benefits don't always work for people outside traditional employment.
IBN360 provides healthcare and other resources for:
Self-employed professionals who manage their own benefits.
1099 workers and contractors who don't receive traditional employer benefits.
Freelancers and entrepreneurs who need resources that work outside a traditional workplace.
People between jobs who need another way to access healthcare.
Individuals and families looking for affordable healthcare options.
Independent work comes with a lot to manage. Here are a few everyday situations and resources you can explore through IBN360.
An independent professional may be managing clients, monthly expenses, and healthcare decisions at the same time.
Freelance and contract income can vary while bills and everyday financial responsibilities continue.
Planning for income, family responsibilities, and the future can be another thing to manage alongside work.
Business owners often balance customers, daily operations, personal finances, and other responsibilities.
Example situations are for educational and illustrative purposes only. Resources, eligibility, costs, benefits, and availability may vary.
Independent work comes with a lot to manage. Here are a few everyday situations and resources you can explore through IBN360.
An independent professional may be managing clients, monthly expenses, and healthcare decisions at the same time.
Freelance and contract income can vary while bills and everyday financial responsibilities continue.
Planning for income, family responsibilities, and the future can be another thing to manage alongside work.
Business owners often balance customers, daily operations, personal finances, and other responsibilities.
Example situations are for educational and illustrative purposes only. Resources, eligibility, costs, benefits, and availability may vary.
Support that isn't tied to one employer
The way people work has changed. Benefits should work for people who are self-employed, freelance, contract, run a business, or move between jobs.
Explore: See what's available based on what you're looking for.
Learn: Understand your options in simple language.
Ask: Get additional guidance when you have questions.
Decide: Choose what makes sense for your situation.
No pressure. No complicated process.
Support that isn't tied to one employer
The way people work has changed. Benefits should work for people who are self-employed, freelance, contract, run a business, or move between jobs.
Explore: See what's available based on what you're looking for.
Learn: Understand your options in simple language.
Ask: Get additional guidance when you have questions.
Decide: Choose what makes sense for your situation.
No pressure. No complicated process.
"Health Insurance Success Story"
Finally an affordable health insurance policy for the whole family. Independent contractors and 1099 workers are no longer out in the cold when it comes to healthcare. Be rewarded for your healthy lifestyle and tenacity to go it alone and don’t worry about premiums that drain your bank account.
"Licensed IBN360
Specialist"
I’m in awe of how simple and fast the process is to get clients price quotes and breakdown of the advantages IBN360 offers so that they can compare to their current situations. Not one has been disappointed with what they’ve heard. After a quick 10-minute information gathering, clients are set up and good to go. You can feel their sighs of relief.
"Health Insurance Success Story"
With health insurance premiums continuing to rise, I am so grateful to have found this program. Now I finally have an affordable and customizable health insurance plan for me and my family. Thank you IBN360!
"Health Insurance
Quote"
The switch to this plan saved my wife $450/mth ($5,400/yr); which also included a deductible that was $6,000 lower. Her PCP was in-network. Our family is thrilled and grateful to have such a positive financial impact.
Independent professionals often build their own support systems as they build their careers. A freelance designer may be searching for healthcare resources after leaving a full-time role. A contractor may need protection planning that fits variable income. A new business owner may be looking for practical tools and professional guidance without an employer helping coordinate those decisions.
The IBN 360 Ambassador Program gives people a structured way to connect their networks with useful resources. Ambassadors share the platform with individuals, families, and independent professionals who may benefit from healthcare navigation, financial wellness tools, protection resources, business support, and educational guidance. Eligible referrals can also create an additional income opportunity under the program’s current commission terms.
Independent work includes full-time freelancers, part-time contractors, consultants, creators, and people earning occasional income outside a traditional job. MBO Partners reported that 72.9 million Americans worked independently in 2025. The report also found that 36 percent of traditional employees had a side gig, showing how often traditional employment and independent income now overlap. (Source: MBO Partners)
Someone moving from payroll employment to contract work may suddenly be responsible for finding healthcare options, planning around uneven income, protecting earnings, and choosing tools for managing a business. These decisions can arrive close together, especially after a job change or during the first year of self-employment.
An ambassador may already know people facing these situations through work, family, community groups, or professional networks. Sharing a relevant platform offers a clearer starting point and allows experienced professionals to handle questions that require specialized guidance.
The Federal Reserve reported that 58 percent of self-employed adults experienced monthly income changes in 2025. Twenty-two percent said they had struggled to pay bills during the previous year because their income varied. (Source: Federal Reserve)
A referral opportunity may fit someone whose schedule or earnings already change throughout the year. A tax preparer may regularly meet new business owners. A hairstylist may talk with clients who recently started contract work. A community organizer may know families looking for healthcare or protection resources. These conversations can lead to relevant introductions without requiring the ambassador to provide professional advice.
Earnings through the program are variable and performance-based. Referral activity, eligibility, and current commission terms affect what an ambassador may earn. The opportunity should be evaluated based on the program details, the ambassador’s network, and the time they choose to put into sharing it.
The ambassador’s role centers on awareness and referrals. When someone expresses a need that fits the platform, the ambassador can introduce the available resources and provide a path to learn more. The person can then explore options connected to healthcare navigation, financial wellness, protection planning, business support, professional guidance, or education.
The program page states that no license or entry fee is required. It also describes clear commissions, referral tracking, an easy-to-use platform, dedicated support, helpful tools, flexible independent participation, and no quotas or pressure. These features give ambassadors a defined process for sharing the platform and monitoring referral activity.
Clear boundaries still matter. Ambassadors should avoid presenting themselves as licensed advisors or making promises about services, savings, approvals, or earnings. Questions involving regulated products or individual recommendations should be directed to the appropriate licensed or experienced professional within the network.
A useful referral usually begins with a specific need. A former coworker may be leaving employer benefits. A freelancer may want tools that fit an independent career. A family member may be reviewing protection needs after a change in work or household responsibilities. Listening first helps keep the introduction relevant.
Visit the IBN 360 Ambassador Program to review the opportunity, current program details, and registration process. You can also explore the IBN 360 platform to understand the resources available before sharing them with others. The IBN 360 Blog Hub offers practical articles that can help ambassadors become familiar with topics affecting independent professionals and families.
A thoughtful referral can connect someone with a useful next step. For ambassadors, it can also provide a flexible way to earn through qualified referrals while supporting people already within their professional and personal networks.
Turn connections into opportunity with IBN 360.
"Health Insurance Success Story"
Finally an affordable health insurance policy for the whole family. Independent contractors and 1099 workers are no longer out in the cold when it comes to healthcare. Be rewarded for your healthy lifestyle and tenacity to go it alone and don’t worry about premiums that drain your bank account.
"Licensed IBN360
Specialist"
I’m in awe of how simple and fast the process is to get clients price quotes and breakdown of the advantages IBN360 offers so that they can compare to their current situations. Not one has been disappointed with what they’ve heard. After a quick 10-minute information gathering, clients are set up and good to go. You can feel their sighs of relief.
"Health Insurance Success Story"
With health insurance premiums continuing to rise, I am so grateful to have found this program. Now I finally have an affordable and customizable health insurance plan for me and my family. Thank you IBN360!
"Health Insurance
Quote"
The switch to this plan saved my wife $450/mth ($5,400/yr); which also included a deductible that was $6,000 lower. Her PCP was in-network. Our family is thrilled and grateful to have such a positive financial impact.
Independent professionals often build their own support systems as they build their careers. A freelance designer may be searching for healthcare resources after leaving a full-time role. A contractor may need protection planning that fits variable income. A new business owner may be looking for practical tools and professional guidance without an employer helping coordinate those decisions.
The IBN 360 Ambassador Program gives people a structured way to connect their networks with useful resources. Ambassadors share the platform with individuals, families, and independent professionals who may benefit from healthcare navigation, financial wellness tools, protection resources, business support, and educational guidance. Eligible referrals can also create an additional income opportunity under the program’s current commission terms.
Independent work includes full-time freelancers, part-time contractors, consultants, creators, and people earning occasional income outside a traditional job. MBO Partners reported that 72.9 million Americans worked independently in 2025. The report also found that 36 percent of traditional employees had a side gig, showing how often traditional employment and independent income now overlap. (Source: MBO Partners)
Someone moving from payroll employment to contract work may suddenly be responsible for finding healthcare options, planning around uneven income, protecting earnings, and choosing tools for managing a business. These decisions can arrive close together, especially after a job change or during the first year of self-employment.
An ambassador may already know people facing these situations through work, family, community groups, or professional networks. Sharing a relevant platform offers a clearer starting point and allows experienced professionals to handle questions that require specialized guidance.
The Federal Reserve reported that 58 percent of self-employed adults experienced monthly income changes in 2025. Twenty-two percent said they had struggled to pay bills during the previous year because their income varied. (Source: Federal Reserve)
A referral opportunity may fit someone whose schedule or earnings already change throughout the year. A tax preparer may regularly meet new business owners. A hairstylist may talk with clients who recently started contract work. A community organizer may know families looking for healthcare or protection resources. These conversations can lead to relevant introductions without requiring the ambassador to provide professional advice.
Earnings through the program are variable and performance-based. Referral activity, eligibility, and current commission terms affect what an ambassador may earn. The opportunity should be evaluated based on the program details, the ambassador’s network, and the time they choose to put into sharing it.
The ambassador’s role centers on awareness and referrals. When someone expresses a need that fits the platform, the ambassador can introduce the available resources and provide a path to learn more. The person can then explore options connected to healthcare navigation, financial wellness, protection planning, business support, professional guidance, or education.
The program page states that no license or entry fee is required. It also describes clear commissions, referral tracking, an easy-to-use platform, dedicated support, helpful tools, flexible independent participation, and no quotas or pressure. These features give ambassadors a defined process for sharing the platform and monitoring referral activity.
Clear boundaries still matter. Ambassadors should avoid presenting themselves as licensed advisors or making promises about services, savings, approvals, or earnings. Questions involving regulated products or individual recommendations should be directed to the appropriate licensed or experienced professional within the network.
A useful referral usually begins with a specific need. A former coworker may be leaving employer benefits. A freelancer may want tools that fit an independent career. A family member may be reviewing protection needs after a change in work or household responsibilities. Listening first helps keep the introduction relevant.
Visit the IBN 360 Ambassador Program to review the opportunity, current program details, and registration process. You can also explore the IBN 360 platform to understand the resources available before sharing them with others. The IBN 360 Blog Hub offers practical articles that can help ambassadors become familiar with topics affecting independent professionals and families.
A thoughtful referral can connect someone with a useful next step. For ambassadors, it can also provide a flexible way to earn through qualified referrals while supporting people already within their professional and personal networks.
Turn connections into opportunity with IBN 360.
YOUR GOALS. YOUR CHOICES.
Get the Healthcare You Need at a Price That Works for You
Meet with an IBN360 specialist to learn about our healthcare network, review affordable pricing options, and get a quote based on your needs.
YOUR GOALS. YOUR CHOICES.
Get the Healthcare You Need at a Price That Works for You
Meet with an IBN360 specialist to learn about our healthcare network, review affordable pricing options, and get a quote based on your needs.
Copyright (c) 2026 IBN360. All rights reserved
Certain Programs and Benefits May Vary by States
IBN360 is a health coverage navigation platform. IBN360 is not a insurance carrier. All coverage discussions, quotes, and enrollments are handled by licensed specialists. Coverage availability, rates, and benefits vary by state.
Copyright (c) 2026 IBN360. All rights reserved
Certain Programs and Benefits May Vary by States
IBN360 is a health coverage navigation platform. IBN360 is not a insurance carrier. All coverage discussions, quotes, and enrollments are handled by licensed specialists. Coverage availability, rates, and benefits vary by state.
