Our Plans
The Health Pass plan — better value & customization than typical health plans
Whether you're an individual looking for affordable coverage or an employer seeking real savings, the Health Pass plan from Healthpass Plans offers two powerful options built around transparency and value.
Health Co-op
- The major-medical engine of the Health Pass plan
- Member-owned cooperative — no carrier profit margins
- Per-incident deductible as low as $1,000
- Lower, predictable monthly costs
- Available for individuals & families
The Health Plan Spectrum
Relative cost to the employer, left to right
- Fixed premium
- Highest/most predictable cost
- Least data/control
Examples
UnitedHealthcare, Blue Cross, Aetna
- Integrated network
- Closed provider network
- Bundled care / rigid
Examples
Kaiser Permanente
- Fixed monthly payment
- Possible surplus refund
Examples
AllSavers, Cigna ASO
- Employers pool a middle risk layer
- Smooths volatility for smaller groups
- Non-profit
- Any network
- Direct primary care
- Separate TPA, stop-loss, PBM
- Employer bears risk directly
- Direct contracting
- Direct primary care
- Bypasses carrier networks entirely
- Lowest price, most complexity to run
Examples
Nike, Walmart
FAQ
Coverage in 3 simple steps
01
Submit your census
Upload your employee list. We calculate personalized rates instantly based on age and family structure.
02
Choose your plan
Pick your deductible level, DPC clinic, and dental options. Set your employer contribution amount.
03
Enroll & launch
We handle onboarding. Employees get digital ID cards and clinic access within days.
Direct Primary Care
Better Access to your Doctor
Direct Primary Care (DPC) gives you unlimited access to a personal doctor for a low monthly membership — no copays, no insurance middleman. Your plan pays for your DPC membership, so you get more time with your physician and same-day appointments at no extra cost.
Unlimited Visits
See your doctor as often as you need — no per-visit fees.
Same-Day Access
Book same-day or next-day appointments when it matters most.
Direct Relationship
A personal physician who knows you — not a rotating roster.
Co-op vs. Others
How does the Health Co-op really compare?
See an honest, side-by-side breakdown of the Health Co-op next to health shares, traditional insurance, self-insurance, and government plans — across cost, liability, claims, limitations, and annual increases.
Get Started
Request a free quote
We will get back to you within one business day.
Download Census TemplateFill out the census template with your employee info and have it ready to send in with your request.