New 2027 Health Pass plan
Effective October 1, 2026 · A Healthpass Plans product.
Build Better Benefits
Finding the best benefits for your group is hard. Good news — we've found them for you.
Medical · Dental · Vision · Wellness
How It Works
Day-to-day care
Preventive
Every eligible employee receives over $14,000 of preventive care at no cost to the employee. Any provider, no networks, no prior authorization.
Expensive medical events
Cooperative
Employees and dependents who elect become members of the Health Access Cooperative for coverage of expensive medical events.
Targeted for unique circumstances
Traditional Insurance / ICHRA
Traditional insurance for those with certain pre-existing conditions who may need guaranteed-issue coverage.
Medical — Preventive
Preventive
FOR EVERYONE AT NO COST TO THE EMPLOYEE
All eligible employees receive the Health Access Preventive benefit at no cost. Add the Health Access Cooperative to round out your benefits.
Built around the way life actually happens.
What your benefit includes and what each covers — per person, per calendar year
See Your Doctor
- •Wellness visits, annual physicals, well-child & OBGYN exams
- •Urgent care & walk-in clinics
- •Direct Primary Care subscriptions
- •Any provider, no networks, no prior authorization
$1,250
/year
Be Healthy
Six dedicated sub-budgets; budgets do not flex between sub-categories.
- •Know Your Numbers ($700): lipid panel, CMP, CBC, A1C, thyroid, PSA, bone density, heart screening
- •Immunizations ($1,500): flu, shingles, pneumonia, COVID, HPV, and more
- •Mammogram ($1,000): annual mammogram incl. 3D tomosynthesis, ages 40–80
- •Colonoscopy ($4,000): full colonoscopy with anesthesia & pathology, ages 45–80
- •Tobacco Cessation ($900): counseling, NRT, Chantix/Wellbutrin, hypnotherapy
- •Fitness ($250): personal training, home fitness apps, community programs — plus free membership through Active&Fit (13,000+ gyms)
$8,350
/year
Dental, Vision & Hearing
$250 each — three dedicated sub-budgets.
- •Protect Your Smile ($250): preventive exam, X-rays, up to 2 cleanings, sealants & fluoride
- •See Clearly ($250): annual comprehensive vision exam, detects glaucoma & macular degeneration, any optometrist or ophthalmologist
- •Stay Connected ($250): annual audiological evaluation & balance/fall-risk assessment — new for 2027!
$750
/year
Whole You — Mental Health
- •Therapy & counseling (individual, couples, family, or group)
- •Psychiatric evaluation
- •Substance abuse evaluation & treatment support
- •Mental health screening (depression, anxiety, cognitive)
- •Behavioral health (sleep, stress & lifestyle)
* Capped at $250/month
$3,000
/year
Whole You — Nutrition
- •Nutritional counseling with a registered dietitian (online or in-person)
- •Weight loss & weight gain programs
- •Nutrition screening for deficiencies & metabolic risks
- •Weight loss medication (GLP-1)
$750
/year
Affordable Prescriptions
- •Discount drug card for discounted pricing at local pharmacies
- •Mail order and international options
Included
/year
** Dependent children under age 26 are eligible for applicable preventive benefits.
Medical — Cooperative
Cooperative
Expensive Medical Events
Access the best care with no networks and low deductibles.
The Health Access Cooperative is a proven approach that allows you to join together with other individuals to access affordable health care on your terms.
The Difference
Low deductibles
As low as $1,000 per event
No networks
See any provider
No event limits
Pay one deductible for entire event
How Does It Compare To Traditional Insurance Plans?
We are a consumer cooperative where members access affordable health care with none of the overhead or run-around of an insurance company.
Lower Monthly Costs
Member ownership means lower overhead and no profit motive. We collect only what we need to meet our members' needs and reserve for future costs.
Freedom To Choose Your Medical Providers
We have no networks, which means members can see the medical providers of their choosing. We believe that you should pick your doctor, not an insurance company.
Reasonable Per-Incident Deductible
Our unique per-incident deductible means a single medical event doesn't bankrupt your budget.
Affordability
True out-of-pocket costs are often significantly lower than insurance, especially for families.
Lower Cost Care
Our members are considered self-pay, which most often means the cost of medical services are discounted — often a lot less than an insurer's 'negotiated rate.' We strive to pay providers in advance whenever possible.
Coverage Options
There are some coverage limitations that mean our program is not for everyone, but you may add traditional coverage for yourself or any family member.
Low, Dependable Costs
Health care happens in incidents — not in calendar years. Our per-incident deductible protects you from large unexpected medical bills better than a traditional insurance plan.
First, choose your per-incident deductible ($1,000 or $2,500 may be offered) when you enroll.
You will pay one per-incident deductible for each medical incident, even if the care you receive stretches over different calendar years.
Each account (individual or family) is only responsible for two event deductibles in a 12-month window. If a third event occurs, the Cooperative will cover this event 100%.
Example:
Additional Benefits for Cooperative Members
HealthPass provides additional services to enhance the benefit and better cover the full spectrum of care for your employees and their families.
ScriptCo Online Wholesale Pharmacy
Every member of the Cooperative will have free access to ScriptCo. This online pharmacy offers over 11,000 generic medications at wholesale prices with free home delivery.
TextCare Virtual Primary and Urgent Care
Every member of the Cooperative will have free access to TextCare. TextCare provides 24/7 on-demand primary care and urgent care through SMS, phone, and video call from a dedicated medical team.
How to Find a Doctor
One of the best parts of the Health Co-op is that there are no networks — you can see any provider you choose. But with so many options, it helps to know how the different types of providers compare. Our guide walks you through doctor's offices, urgent care, Direct Primary Care, and virtual DPC — including wait times, cost, and how to connect with a DPC near you.
Find a Doctor GuideWellness — Ignite
Ignite Health
For Companies OnlyA wellness program designed to engage, educate, and empower your employees to take charge of their health. Ignite helps members build sustainable habits, reduce risk factors, and get more value from every part of their Health Pass plan.
Flexible Spending Account
Automatically fund an FSA (about $1,000/year) employees can use for a wide range of eligible medical expenses.
On-Demand 24/7/365 Virtual Concierge Care
Access on-demand virtual care from a dedicated medical team (for members and family) through TextCare.*
Enhanced Health Screenings
Enhanced labs targeting 100+ biomarkers and personalized, AI-enabled health guidance through SuperPower.
Free Eyewear
Receive free eyewear (including sunglasses) with free home delivery through XP Health. Plus, rebates on high-end vision hardware.
Chiropractic + Virtual PT
Access online resources and book up to 12 free in-person chiropractic sessions through SimpleTherapy.
Virtual Behavioral Health
Free online counseling for members and family through SimpleTherapy.
*When combined with HealthPass medical plan, TextCare benefit will be expanded to employee's dependents.
Why it matters: Ignite turns the preventive benefits you're already offering into measurable results — healthier employees, fewer costly claims, and a benefits program that pays for itself over time.
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.
Ready to build better benefits?
Get a custom quote for your group. We'll walk you through every option and build a plan that fits your team and your budget.
Request a Quote