OffPlan: Healthcare without insurance @OffPlan_Network

We’re not anti-insurance, and we’re not a replacement for coverage of the serious stuff. OffPlan is a monthly healthcare membership for unlimited primary care with no hidden fees and no co-pays. Insurance is for emergencies. Most healthcare isn’t.

Sharing our vision on stage at #RosettaFest in Nashville was an absolute highlight! We gave insight that demonstrated how employers and advisors can use claims data to uncover where healthcare dollars are truly being spent and model the impact of a Direct Primary Care-centered benefits strategy. Through a live claims reclassification analysis, our team displayed how organizations can reduce costs, improve care and build a data-driven path toward the type of healthcare we all use most. What an incredible week connecting with advisors, clinicians, and employers who are all driving real change in healthcare. Huge thanks to the Health Rosetta team and everyone who took the time to connect and exchange ideas. Missed us in Nashville? Let’s keep the conversation going! Reach out directly or visit offplan.network to connect with our team.

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Our Co-Founder & Chief Commercial Officer Omar Fernandez and Chief Medical Officer Dr. David Hardin will run a real group's claims data live, on stage, through a five-stage reclassification cascade. What gets eliminated by DPC. What gets repriced through cash-pay. What actually needs insurance. Attendees leave with a total cost of care comparison anyone in the room can defend line by line. #RosettaFest #RosettaFest2026

80% of healthcare doesn’t need insurance. We just raised $2.5M to prove it. OffPlan puts everyday care (primary, chronic, coordination) on a monthly membership, and keeps insurance for the 20% that’s actually catastrophic. Launching in FL&VA. prnewswire.com/news-releases/…

Medicare reimbursement rates for physicians have dropped 29% in real dollars since 2001. Hospital facility fees? Up 60% over the same period. The money didn't disappear. It just stopped going to doctors.

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A primary care physician in a traditional practice carries 2,500 patients. A study in the Annals of Family Medicine found that serving that panel properly would require 21 hours a day. That is not burnout. That is an impossible equation dressed up as a job description. The chassis built around primary care created this. Removing it fixes it.

The problem isn't that health tech can't sell to employers. It's that they're selling pieces. A telehealth app here. A mental health platform there. A pharmacy discount card stapled on top. Employers end up managing six vendors and the employees still can't get a doctor on Tuesday. Fragmentation dressed up as innovation. Different logos, same broken system underneath. What employers actually need is someone who packages all of it, owns the employer relationship, and manages the data flowing between every layer. One accountable party. One number to call. One dashboard showing what's working and what isn't. Nobody has built that. Yet...

Exactly. The ER for a sore throat problem is 100% a primary care access problem. When people can't afford or can't get a same-day appointment, they default to the most expensive option. That's what we fix. Real doctor, same day, no copay, no claim. The ER stays for emergencies. Real emergencies.

That line blurred a while ago. Plenty of SMBs are fully self-funded,as well as level-funded. We just take it further. Pull routine care out of the claims system entirely, pay doctors directly, keep stop-loss for serious events. Small businesses can have the same structure as the big guys, without the insurance company in the middle.

@TheMiamiApe We're building the answer to this. Flat monthly fee, real doctor, same-day access. No claims, no deductibles, no insurance company in the middle for everyday care. Insurance stays only for the serious stuff. Launching in South Florida this summer.

Most healthcare people use each year is predictable, including primary care, chronic care management, prescriptions, and many specialist visits. Delivering this care outside the claims system is not a disruption but a logical correction to a system that evolved to rely on insurance for services it was never designed to manage.

Imagine using your car insurance the way Americans use health insurance. You'd file a claim to get your oil changed. You'd need prior authorization for new wiper blades. You'd pay $800 a month in premiums so a third party could process a $40 oil change and take 30 cents of every dollar off the top. Absurd? That is exactly how healthcare works for 165 million Americans with employer-sponsored coverage. Every strep test. Every blood pressure check. Every prescription refill. All of it routed through a claims infrastructure that was built for catastrophic events. Heart attacks. Cancer. Emergency surgery. Not oil changes. 80% of healthcare was never an insurance problem. We just let it become one.

@TheJusticeDept @DOJCivil It's the cost of doing business. Just like the drug cartels in Mexico.

@HouseCommerce Three hearings on healthcare affordability???😂 The insurance industry spent $600 million lobbying Congress last decade. You will hear exactly what they paid to make sure you hear.

Things that require insurance: A house fire. A car accident. A cancer diagnosis. A surgery. Things that do not require insurance: A physical. A blood pressure check. A sick visit. Managing your diabetes. America runs all of it through the same chassis. That is the problem.

@DrBruggeman The primary care version of this is the payer contracting trap. No noncompete or CON law required when the reimbursement structure itself makes independence financially irrational. DPC removes that specific constraint. Same problem, different mechanism.

Insurance was supposed to protect people from financial hardship. 82 million Americans with and without insurance are skipping meals to pay for care. That is not a coverage problem. That is a system design problem. We built OffPlan for exactly this. nytimes.com/2026/03/12/hea…

We are building a direct care platform on physician-owned practices for self-funded SMB employers. Primary care pulled completely off the insurance chassis. Launching in South Florida and NoVa mid-2026. CMO role is a founding position with equity. Would love to tell you more -- DM incoming.

@DocDifferently @LighthouseDPC @Forbes We are looking for CMO. How do we connect with those that are looking?