Launching soon in Florida and Virginia

For Benefit Advisors

Healthcare Without Insurance for the Care People Actually Use

OffPlan is a different model for employer healthcare. Direct healthcare for the 80% of care employees actually use. Insurance only for major events

Employers reduce total healthcare spend. Employees gain real access to care. Advisors bring clients something meaningfully different from traditional renewal cycles.

How can we help you?

Schedule a Conversation

The Truth

Employers are paying more every year for less usable care.

And you are the one having to explain it.

Every renewal cycle looks the same. Premiums up. Deductibles up. Employee contributions up. Employees delay care because they cannot afford to use the plan their employer chose. Carriers offer no transparency on where the money is actually going. And you are the one in the room when the CFO asks why this is happening again.

  • Premiums rise every renewal cycle
  • Deductibles climb to keep premiums in check
  • Employees delay care that the plan supposedly covers
  • Employers still lack transparency on what they are paying for
  • You are forced into another cost-shifting conversation instead of a strategic one

OffPlan approaches employer healthcare differently. The conversation starts somewhere else.

What OffPlan Is

OffPlan delivers everyday healthcare directly. Insurance handles the rest.

A different category, not a different version of the same thing.

OffPlan is a membership-based direct care platform built on physician-owned practices. Primary care, chronic care management, prevention, specialist coordination, and transparent pharmacy access are delivered directly to your client's employees through a flat monthly membership.

None of it runs through the claims system.

Catastrophic medical events stay protected.
Hospitalizations, major surgery, and serious medical events are covered through licensed insurance partners, placed independently from the OffPlan care layer.

The result: routine healthcare leaves the claims cycle entirely. Insurance does what insurance was actually built for.

Why Advisors Are Paying Attention

A new strategic conversation, not another vendor in the stack.

OffPlan does not compete with you for the client relationship. It changes what you can put on the table when the relationship is up for evaluation.

Helps Employers Control Healthcare Trend

OffPlan reduces how often employers hit the traditional claims system. Less of healthcare flows through the cycle that drives premium increases year after year.

Complements Self-Funded, Level-Funded, and HDHP Strategies

OffPlan works alongside catastrophic protection and modern employer funding models. Self-funded, level-funded, and fully insured each have a different starting point. The lowest-friction entry is an HDHP plus OffPlan: the employer keeps their carrier relationship intact, the HSA stays eligible, and employees get same-day physician access without burning HDHP deductible dollars on routine care.

Opens a New Conversation Beyond Renewal Math

Bring clients a structural alternative instead of another deductible increase. Make the renewal a strategic conversation, not a cost-shifting exercise.

Supports Transparent Healthcare Purchasing

Pass-through pharmacy pricing. Direct care relationships. Curated cash-pay specialty access. Reduced administrative waste at every layer of the stack.

Built For Multi-Year Strategy

Traditional plans inflate at 7 to 10 percent annually. OffPlan core membership pricing is built on a fixed monthly fee. The savings story does not just hold. It widens every year.

Creates a Stronger Employee Experience

Same-day or next-day physician access. Longer visits. No primary care deductibles. The care model executives pay for, made standard for everyone.

The Engine

Reclassify™.

The claims analysis tool that powers the OffPlan model.

Reclassify™ analyzes your client's historical healthcare spending and models how much of that spend moves out of the traditional claims system under an OffPlan care structure.

The goal is not to eliminate risk. The goal is to reduce how often employers hit it.

For you, this is the diagnostic that turns the renewal conversation from "what carrier are we shopping" into "what is this group actually paying for, and what should they be paying for instead." That is a conversation no carrier can have with your client. You can.

Step One

Total spend, mapped

Premiums, claims, stop-loss, admin, network access, PBM, broker fees. Everything the employer is paying today, named and accounted for.

Step Two

Reclassified out

What moves out of the claims system entirely. What gets repriced through curated cash-pay. What absorbs into membership.

Step Three

Residual that remains

The catastrophic exposure that genuinely belongs in insurance. Smaller. Better data. Better stop-loss pricing at renewal.

Reclassify™ powers the OffPlan model. It is built and operated by OffPlan.

Beyond Solo DPC

This is not the DPC conversation you have had before.

Most advisors have looked at DPC for their clients and concluded it solves part of the problem and not the whole problem. They are right.

A solo DPC practice can give your client's employees a good doctor.

It cannot give them the rest of what makes the model deployable.

Claims reclassification analysis

An evidence-based diagnostic showing what reclassifies out, what remains, and what the stop-loss carrier should price against at renewal.

Dedicated client success manager

A named point of contact for your client's HR and finance teams. Not a portal. A person who owns the relationship.

Quarterly business reviews

Utilization data, claims avoidance, ER diversion, chronic disease metrics. The data that defends the model at renewal and earns better rates.

Employer dashboard

Population-level reporting on what is actually happening across the workforce. Not a patient portal.

Predictive risk stratification

Surfacing high-cost trajectories before they hit. The diabetic whose A1c is climbing. The pre-hypertensive employee who missed follow-ups.

Curated specialty access

Cash-pay specialists, diagnostics, and outpatient procedures coordinated end-to-end. No claim filed. No PPO repricing. No surprise bills.

OffPlan is the integrated model. The doctor is the foundation.

The platform is what makes it deployable as a complete employer healthcare benefit.

Ideal Employer Profiles

Who OffPlan fits.

Not every client. Not every advisor. The conversation works best when these patterns are present.

Client Profile

  • Self-funded SMBs
  • Level-funded groups feeling renewal pressure
  • Fully insured employers facing trend they cannot absorb, including HDHP-based plans where OffPlan can be added without restructuring
  • Owner-led businesses with budget discipline
  • Groups with high deductible fatigue across the workforce
  • Distributed workforces where access matters

Advisor Profile

  • Building plans around employer outcomes, not carrier renewals
  • Comfortable with self-funded, level-funded, and transparent purchasing models
  • Willing to bring an alternative to the table when the math no longer works
  • Looking for a structural conversation with clients, not another product to bolt on

Why OffPlan Is Different

A different category, side by side.

Not a better version of traditional insurance. A different operating model.

Traditional Insurance OffPlan
Claims-driven Membership-driven
Prior authorizations for routine care Direct physician access
Increasing deductibles every year $0 primary care deductibles
Fragmented care across providers Coordinated care model
PBM spread pricing Transparent pass-through pharmacy
Reactive care after the event Upstream care management
Annual renewal as a cost-shifting exercise Annual renewal as a strategic review

Traditional Insurance

Claims-driven

OffPlan

Membership-driven

Traditional Insurance

Prior authorizations for routine care

OffPlan

Direct physician access

Traditional Insurance

Increasing deductibles every year

OffPlan

$0 primary care deductibles

Traditional Insurance

Fragmented care across providers

OffPlan

Coordinated care model

Traditional Insurance

PBM spread pricing

OffPlan

Transparent pass-through pharmacy

Traditional Insurance

Reactive care after the event

OffPlan

Upstream care management

Traditional Insurance

Annual renewal as a cost-shifting exercise

OffPlan

Annual renewal as a strategic review

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Explore whether OffPlan fits your client

The conversation starts with a Reclassification analysis.

Bring us a target client and a recent renewal. We model what reclassifies out, what remains, and what the structural change actually looks like for their group. You walk into the next renewal with independent data, not the carrier's version of it.

Request a Reclassification Analysis

This is not a different broker pitch.
It is the model you have been describing to your clients for years.