Healthcare costs are rising roughly 10% a year because traditional health plans aren't working. They lead to fragmented care, high costs, and access challenges — plus confusion and frustration for members.

Traditional insurers and new entrants have tried to fix this with alternative health plans that promise affordability, simplicity, and cost transparency. But most fall short for the same old reasons: inconsistent network quality, referrals driven by contracts instead of outcomes, and confusing plan designs with little guidance or advocacy.

Included Health Plans bring care, connection, and coverage together, with quality at the core. We engage members early with onboarding tailored to their needs, then connect each one with a high-quality primary care physician, backed by our award-winning integrated care and navigation services.

Rather than relying on a single network, we dynamically combine several, including centers of excellence and point solutions. Personalized recommendations and simple copays steer members toward high-value care and make the next best action easy to take.

The payoff is members who are more engaged, have better access to high-quality providers, and see better clinical outcomes. For employers and other plan sponsors, that adds up to real savings.