Direct-to-Employer Health Plans

Health coverage your team deserves

Affordable, flexible health plans built for small and mid-size employers. Direct Primary Care included. No middlemen, no surprises.

40% less

Filed worker's comp claims

25+

Partner clinics

30%

Avg employer savings

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

🛡️

Unbundled Self-Funded

Choose best-in-class vendors for each component
Full claims transparency & data ownership
Stop-loss protection caps your exposure
Typically saves 15–30% vs. fully insured
Built for groups of 5+, more options at 50+

🩺

Direct Primary Care

Unlimited visits, same-day access
Direct relationship with your doctor
Low monthly membership fee
No copays or hidden fees
Local & virtual clinic options

The Health Plan Spectrum

Relative cost to the employer, left to right

HIGHER COSTLOWER COST

$$$$$$

$$$$$

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Fully Insured

Fixed premium
Highest/most predictable cost
Least data/control

Examples

UnitedHealthcare, Blue Cross, Aetna

OFFERED IF NEEDED

Kaiser / HMO

Integrated network
Closed provider network
Bundled care / rigid

Examples

Kaiser Permanente

OFFERED IF NEEDED

Level-Funded

Fixed monthly payment
Possible surplus refund

Examples

AllSavers, Cigna ASO

OFFERED IF NEEDED

Group Captive

Employers pool a middle risk layer
Smooths volatility for smaller groups

OFFERED IF NEEDED

Health Co-Op

Non-profit
Any network
Direct primary care

THIS IS WHAT WE OFFER

Unbundled Self-Funded

Separate TPA, stop-loss, PBM
Employer bears risk directly
Direct contracting
Direct primary care

THIS IS WHAT WE OFFER

Direct Contracting

Bypasses carrier networks entirely
Lowest price, most complexity to run

Examples

Nike, Walmart

FAQ

Coverage in 3 simple steps

Submit your census

Upload your employee list. We calculate personalized rates instantly based on age and family structure.

Choose your plan

Pick your deductible level, DPC clinic, and dental options. Set your employer contribution amount.

Enroll & launch

We handle onboarding. Employees get digital ID cards and clinic access within days.

Partner Clinics

Direct Primary Care, reimagined

Our network of Direct Primary Care (DPC) clinics provides unlimited visits, same-day appointments, and a personal physician relationship included in your plan at a low monthly fee.

Cascade Direct Primary Care
Saravit Direct Health
Rooted Direct Primary Care
Lote Tree Community Health

Click picture to see DPC clinics

New 2027 Health Pass plan

Effective October 1, 2026 · A Healthpass Plans product.

For Individuals

The 2027 Health Pass Plan Is Coming

Our new individual Health Pass plan launches October 1, 2026 — with first-dollar benefits, deductibles as low as $1,000, and affordable rates to add spouse and children.

How It Works

Get your questions answered

Want the full picture on how the Health Pass plan's preventive benefits, health co-op, and direct primary care work together? Our How It Works page walks you through the whole model.

About Us

Who We Are

We are a sales agency focused on providing health benefits that employers can use, impacts overall health and doesn't break the bank.

Rob Dill

Founder

Andy Gobble

Health Benefits Consultant

Get Started

Request a free quote

We will get back to you within one business day.

Download Census Template

Fill out the census template with your employee info and have it ready to send in with your request.