How much does a Reef Health franchise cost?
Opening a Reef Health franchise takes a total initial investment of $53,347 to $56,697, according to the brand's 2025 Franchise Disclosure Document. That FDD makes no Item 19 financial performance representation, so it discloses no earnings figures at all.
REEF HEALTH franchises are virtual franchises that market healthcare plans. Category: Financial Services.
Item 7
What it costs to open a Reef Health franchise
The franchisor's own estimated initial investment, as disclosed in its 2025 FDD. The total is $53,347 to $56,697. Each line below carries the FDD page it was read from.
Where the money goes
The largest costs are Opening Inventory ($2,500), Additional Funds (1st 3 months) ($0 to $2,000), and Licenses & Permits ($500 to $1,000).
The initial franchise fee is $49,500.
Our arithmetic from the Item 7 table below.
| Expenditure | Low | High | Source |
|---|---|---|---|
| Initial Franchise Fee2025 FDD, Item 7, p. 7 | $49,500 | $49,500 | 2025 FDD, Item 7, p. 7 |
| Opening Inventory2025 FDD, Item 7, p. 7 | $2,500 | $2,500 | 2025 FDD, Item 7, p. 7 |
| Technology Fee (1st 3 months)2025 FDD, Item 7, p. 7 | $597 | $597 | 2025 FDD, Item 7, p. 7 |
| Licenses & Permits2025 FDD, Item 7, p. 7 | $500 | $1,000 | 2025 FDD, Item 7, p. 7 |
| Local Marketing (1st 3 months)2025 FDD, Item 7, p. 7 | $0 | $0 | 2025 FDD, Item 7, p. 7 |
| Professional Fees2025 FDD, Item 7, p. 7 | $0 | $1,000 | 2025 FDD, Item 7, p. 7 |
| Insurance (1st 3 months)2025 FDD, Item 7, p. 7 | $250 | $600 | 2025 FDD, Item 7, p. 7 |
| Additional Funds (1st 3 months)2025 FDD, Item 7, p. 7 | $0 | $2,000 | 2025 FDD, Item 7, p. 7 |
| Total estimated initial investment2025 FDD, Item 7, p. 7 | $53,347 | $56,697 | 2025 FDD, Item 7, p. 7 |
About this total: The printed total was re-read off page 7 and is what the document prints; the high-amount rows sum to $57,197, while the printed total is $56,697.
Source Reef Health, 2025 FDD, Item 7, p. 7, via Public FDD bucket (storage.googleapis.com/franchiseindx_fdds) (source record). Figures read and verified 2026-09-16.
Item 19
What Reef Health franchisees actually report earning
This brand's FDD publishes no Item 19.
“We do not make any representations about a franchisee’s future financial performance or the past financial performance of company-owned or franchised outlets. We also do not authorize our employees or representatives to make such representations either orally or in writing. If you are purchasing an existing outlet, however, we may provide you with the actual records of that outlet.”
Source Reef Health, 2025 FDD, Item 19, p. 25, via Public FDD bucket (storage.googleapis.com/franchiseindx_fdds) (source record). Figures read and verified 2026-09-16.
Item 20
How many Reef Health outlets there are, and how many closed
Reef Health had no franchised outlets open from 2022 through 2024, according to its FDD. At the end of 2024 it had 1 company-owned outlet.
| Year | Start | Opened | Terminated | Non-renewed | Reacquired | Ceased, other | End | Source |
|---|---|---|---|---|---|---|---|---|
| 2024 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2025 FDD, Item 20, p. 27 |
| 2023 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2025 FDD, Item 20, p. 27 |
| 2022 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2025 FDD, Item 20, p. 27 |
Source Reef Health, 2025 FDD, Item 20, p. 27, via Public FDD bucket (storage.googleapis.com/franchiseindx_fdds) (source record). Figures read and verified 2026-09-16.
Compare
How Reef Health compares with other Financial Services franchises
Measured against the 14 Financial Services franchises on this site, using each brand's own FDD.
- Cost to open. The middle of Reef Health's estimated range is $55,022. It costs less to open than 77% of Financial Services franchises here.
- Earnings disclosure. 4 of the 14 Financial Services franchises here publish earnings figures in Item 19. Reef Health is not one of them.
Our arithmetic from each brand's Item 7 and Item 20. Growth and departure comparisons leave out brands with fewer than 10 outlets, where one opening or closure distorts the figures. See every Financial Services franchise side by side.
Alert me when Reef Health files a new FDD
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