Affordable healthcare is within your reach
A health co-op that gives you more control over your healthcare costs and the freedom to choose your care.
Discover how you can save up to 50% while improving your access to healthcare.
A more affordable approach.
Health insurance costs continue to rise, with the average monthly cost of a traditional health insurance plan costing individuals about $450. With plans starting as low as $202 per month, this innovative program gives you the potential to save a significant amount of your hard-earned money. Imagine having those extra dollars for things that matter to you, all while still having access to the medical care you need.
The freedom to choose.
Imagine having the freedom to choose any doctor you want, whether they are around the block or across the country. No more compromises on your health because your preferred doctor isn’t “in-network.” With a health co-op, you’re empowered to make the best decisions for your health, on your terms. Embrace this new era of personalized, accessible, and affordable health coverage.
A powerful combination.
Protection against large, unexpected medical bills with access to free preventive services, low-cost prescription drugs, and unlimited access to direct primary care. And all while saving you up to 50% per month.
Healthcare that puts you in control.
Embrace the power to control your healthcare. This comprehensive program gives you the reins, putting the decision-making back in your hands. You’re no longer at the mercy of insurance networks or bound by pre-determined options. This is more than just a way to pay for unexpected healthcare costs; it’s a healthier way of life.
FAQs
Is a health co-op a form of insurance?
This health co-op is not insurance. Instead, it’s an alternative model where individuals share the cost of their medical expenses with a group of like-minded individuals who also want to share in the cost of their healthcare. Because they are not insurance plans and don’t fall under the same set of regulations, the monthly costs can be considerably lower.
Are pre-existing conditions covered?
To help keep costs low for all members, there is a waiting period for medical conditions that exist prior to enrolling in the health co-op. A pre-existing condition is defined as any illness or injury a person has been examined, taken medications to treat or manage, had diagnostic tests performed and/or ordered by a health professional, or received medical treatment during the 24 months prior to enrolling. There is no benefit for pre-existing conditions for the first year of membership. There is a limited amount of benefit in year two, which increases in year three. Beginning in year four there are no restrictions on benefits.
Are there any out-of-pocket maximums or deductibles?
Members are responsible for a per-incident member portion that ranges from $1,000 to $4,000. The co-op pays all eligible expenses related to a covered incident after a member has paid their applicable member portion.
Is there a network of providers that members can use?
Nope! Members are considered cash-pay patients and are free to choose the providers of their choice.
Does the co-op meet the requirements of the Affordable Care Act (ACA)?
The co-opp program is not considered minimum essential coverage (MEC) and does not meet the requirements of the ACA or any state-level individual mandate that requires folks to purchase health insurance. However, since 2019, individuals are no longer penalized for failing to purchase health insurance.
Is the co-op available in all 50 states?
Yes!
Ready to take control of your healthcare expenses?
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