The right tool for every kind of care.
Everyday care handled affordably. Large, unexpected events shared by a caring community. Two solutions, working together — for families, the self-employed and early retirees under 65.
Not insurance. Monthly access to specified services through licensed contracted providers nationwide. Additional care options are optional, are not insurance, and participation is subject to applicable guidelines.
Healthcare costs fall into two buckets.
Don't buy groceries the way you'd rebuild a house after a fire. Paying for both the same way makes everyday care more expensive and more complicated than it needs to be.
Everyday care
Frequent, routine and predictable. Pay simply with a flat monthly membership — no claims, no network needed.
- Primary & urgent care
- Prescriptions
- Lab work
- Mental health
Large & unexpected
Rare, high-cost and unplanned. Shared by a community of members under clear, published guidelines.
- Surgery
- Hospital stays
- Accidents & ER
- Serious diagnoses
Both buckets, handled.
A complete approach to how care actually happens — everyday and unexpected, together.
Provider freedom
See any provider you choose, anywhere — your decision, not a list.
Member-first sharing
Eligible needs are shared according to clear, published guidelines.
Prescription freedom
Prescriptions for an eligible need can be shared — no restrictive drug list.
Predictable costs
A flat monthly rate plus a known share per need keeps costs predictable.
Built for real life under 65
Families
One monthly price covers you, your spouse or partner, and your kids.
Self-employed & 1099
Contractors and gig workers who need care that travels with them.
Early retirees
Bridge the gap until Medicare starts at 65.
Between jobs
Lost employer coverage? Keep everyday care going without missing a beat.
Healthcare under 65, explained in 3 minutes
Direct Care plan
24/7 virtual care, $0 labs, Rx savings & more for $165/mo.
Learn moreHow it works
Sign up, get your member access, use care the same day.
Learn moreMajor medical
Health care sharing for hospital stays, surgery, emergencies and more.
Learn moreFor businesses
Affordable care for employees, teams and 1099 contractors.
Learn moreControl costs
Predictable monthly amounts that fit your budget, and a plan for the unexpected.
Choose your care
Nationwide providers, so you can go where you need to go.
Make informed decisions
Upfront pricing and tools to get the most from every visit.
Get real support
Talk to real people who help with doctors, bills and next steps.
Find where you fit
Quick answers
- What is the most affordable health care option if I'm under 65?
- Split your costs into two buckets: a flat-price everyday care membership (about $165/month per household) for visits, labs and generic prescriptions, plus medical cost sharing for large, unexpected bills like surgery or hospital stays.
- Who is this for?
- Families, self-employed and 1099 workers, early retirees bridging to Medicare, people between jobs, and small businesses — anywhere in the U.S.
- Is this health insurance?
- No. Everyday care is a membership for specified services, and medical cost sharing is a voluntary community of members sharing eligible bills under published guidelines.
Real help, real relief
"Healthcare doesn't have to be complicated. From the first call to our bills being shared, it was smooth."
"Our advisor walked us from family coverage straight into Medicare. No gaps, no stress."
"The concierge got a surprise bill corrected in a week. I didn't know that was possible."
Everyday care for the whole family — $165/month.
Spouse or partner and dependent kids included. Questions first? Talk to a real person.