INCLUDED HEALTH PLANS

Lower costs. Higher-quality care.

Urgent care, behavioral health, and primary care, with 1,000+ employed clinicians providing ongoing support and connections to expert opinions and in-person care nationwide.

Explore Doctor On Demand

One place for care and questions about benefits and costs, where our AI healthcare assistant, Dot, works alongside expert care advocates to guide members to the right next step for their health.

Explore Included Health Connect
Coverage

Clinically integrated health plans that make high-quality, cost-effective care the easy choice — helping people get the right care, while delivering savings for both members and plan sponsors.

  • Consumer-grade member experience
  • Quality-first national network
  • Dynamic plan design
  • Third-party administrator (TPA) integrations
A BETTER HEALTH PLAN FOR PEOPLE AND PLAN SPONSORS

Up to 15% total cost of care savings and better outcomes, without cost-shifting

Cost savings

Easy-to-understand costs for members align incentives to make high-value care the most affordable option, driving engagement and savings.

Primary care

Primary care is at the center of care coordination and health management. We guide every member to high-quality virtual or in-person primary care — including our dedicated staff of in-house clinicians — to provide holistic, longitudinal care.

Clinician-led AI

Whether it's 2 PM or 2 AM, a weekday or the weekend, our AI-native platform ensures members get healthcare answers fast. From specialist referrals to billing questions to urgent health needs, Dot, our AI healthcare assistant, works with our 1,000+ employed clinicians and roughly 500 member care advocates to provide a coordinated healthcare experience from day one.

Quality care

Access to a nationwide, curated network provides high-quality, cost-effective care wherever your employees are located. We seamlessly coordinate virtual and in-person care options, including our Firefly Nearby partners, across all 50 states.

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By the numbers

Health plans that care for mind, body, and wallet

90%

Member satisfaction score

4 in 5

Members who say our health plan makes care more affordable

50–80%

Better chronic condition outcomes than the benchmark

70%

Enrolled members who use incentives to choose high-quality, lower-cost care

Rethink your health plan strategy

Traditional health plans are leaving employers and employees frustrated with rising costs and disappointing outcomes. Learn what's fueling the adoption of alternative health plans and how to evaluate if one is right for your organization.

Download the guide

What makes us different

For self-insured employers facing rising costs

Configurable plans with powerful impact

Complete

The comprehensive solution designed to maximize impact on experience, outcomes, and savings:


  • Includes a preferred third-party administrator (TPA), with several national network options
  • Embedded Care Key™ guidance to steer members toward high-value providers

12–15% net savings

Flex

A flexible configuration that works alongside existing carrier networks and solutions:

  • Works with existing networks and supports multiple TPA options
  • Uses a tiered steerage model to guide members to high-quality, low-cost care

6–8% net savings

Launching new plans in 2027 and beyond

Join the next generation of
employer-sponsored healthcare

Still have questions about Included Health Plans?
We have answers.

Included Health Plans are clinically integrated health plans for self-insured employers. They combine low, predictable copays with PCP-led care, a quality-first network, and personalized guidance from Dot and our care teams. The result: high-value care becomes the easy choice for members, and costs come down for employers without shifting them to employees.

Traditional plans often control costs by raising deductibles, narrowing networks, or adding prior authorizations, which can make care harder to afford and access. Included Health Plans take a different approach: they guide members to high-quality, cost-effective care and make that care the most affordable option. Plan design, care delivery, and member support all work together.

Complete is our fully configured plan. It uses our preferred TPA, offers a choice of national networks, and includes Care Key, which gives members personalized, lower copays for following our recommendations.

Flex works alongside your existing carrier network and supports multiple TPA options, using preferred tiers to guide members to high-quality, low-cost care.

Care Key is a dynamic copay available with Complete. Before a member sees a specialist or gets a lab or imaging service, we issue a Care Key tied to a specific high-quality provider, location, and service, lowering what the member pays. About 70% of enrolled members use Care Key, and 90% of members who receive one follow the recommendation.

Members can get same-week virtual primary care, urgent care within about 10 minutes, and a first behavioral health appointment within 1 to 3 days from our 1,000+ employed clinicians. For in-person needs, members have access to 2,300+ Firefly Nearby partners, curated specialists, and a full national network.

In most cases, yes. Included Health Plans include a full national network, the same way a traditional plan does. The difference is guidance: we help members choose providers based on quality and cost, and make the best options the most affordable ones.

Savings come from three places: more appropriate use of care, lower unit costs, and healthier members. In 2025, Included Health Plans delivered 15% book-of-business savings against benchmark, while members saw 54% lower median out-of-pocket spending year over year.

Included Health Plans are Included Health’s health plan offering. They’re the Coverage part of what we offer employers.

Included Health is a healthcare company that delivers personalized all-in-one healthcare to millions of people nationwide. We bring together Care, Connection, and Coverage: virtual care through Doctor On Demand, navigation and advocacy that help members find the right care and understand their benefits, and health plans built around high-quality care.