Healthcare that finally makes sense.
OffPlan Care is a monthly membership with a doctor who knows your name, transparent prices, and a team that handles the rest, for the everyday care you actually use.
View Plans & JoinNo co-pays. No deductibles. No surprise bills.
Just a doctor who has your back.
Built For You
A different way to think about healthcare costs.
Most people want to stop worrying about what a doctor's visit will cost, and to know someone has their back when something goes wrong. The average Marketplace Bronze plan runs $450 to $600 a month with a $7,000 deductible you will likely never hit. OffPlan Care starts at $145 a month with nothing to pay at the visit. That is about $4.80 a day, less than the latte you already buy.
Many high-deductible plans still leave members paying out of pocket for everyday care until they meet their deductible.
OffPlan Care replaces that day-to-day gap with one predictable monthly membership, for less than your daily latte.
Everything you need.
None of the noise.
Everything that takes the worry out of everyday care. Here is what your membership includes.
Unlimited
Primary Care
See your doctor as often as you need. No co-pays, no surprise bills.
Transparent
Specialist Pricing
Curated specialists, imaging, and labs at negotiated cash-pay rates.
Member
Concierge
A dedicated team to book specialist appointments and imaging, coordinate your care, and source prescriptions at the best possible price.
Real Protection
Underneath
A licensed agency partner places real catastrophic coverage for you, so the big stuff is genuinely covered.
Enrollment takes minutes
Three simple steps and you are in. Most people finish in minutes.
Choose your plan
Tell us about yourself
Meet your doctor
Traditional Insurance was built for emergencies. Most healthcare is not an emergency.
About 80% of the healthcare you use year to year is entirely predictable. This includes routine sick visits, basic labs, lifestyle medication adjustments, and chronic care management. Traditional insurance makes you pay full out-of-pocket rates for this everyday care until you clear a massive deductible.
OffPlan Care splits the math.
We handle the predictable 80% through a flat membership, leaving a lean insurance plan underneath to handle the 20% of worst-case scenarios.
The
80%
OffPlan Care handles the care you use
- Same-day primary care, nothing to pay at the visit
- A real physician who texts you back directly
- Routine labs and chronic care management
- Specialists and imaging at transparent cash prices
The
20%
Real coverage handles what you fear
- Unexpected hospital stays and major surgeries
- A serious diagnosis, including cancer
- Specialized medications
- A federally capped out-of-pocket maximum
The Complete Picture
The four layers, working together.
Everyday care handled, and a real safety net underneath. So the small stuff is easy and the big stuff can't break you.
The Cushion
Supplements
Extra cash to soften a hospital deductible. Optional, never a substitute for the floor.
The Tax Advantage
HSA
Pay for care in pre-tax dollars when paired with an HSA-eligible plan.
The Floor
Catastrophic Plan
A real HDHP or Catastrophic plan underneath, so one serious event never bankrupts you.
The Foundation
OffPlan Care
The everyday care you actually use, one flat monthly fee. The base everything else builds on.
Built For You
Built for those who manage their own journey.
Self-Employed Professionals
Get a real doctor who knows you, same-day when you need it, with nothing to pay at the visit.
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Small Business Owners
Care for your whole team or family under one simple membership, with a set price per person and no surprises.
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1099 & Gig Workers
Get a real doctor and month-to-month freedom, no rigid premium, cancel anytime, built for how you actually work.
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Just Off a Parent’s Plan
A lingering cough should not mean an urgent care wait, or an ER at 10pm once urgent care closes. You aged off your parents’ plan, so get a real doctor who knows you and starts it with a text, not a chunk of your paycheck for care you rarely use.
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