Radically better healthcare, built for the DMV.
A new health plan built around concierge primary care. One goal: you get healthier, and it costs less.
Why it matters
Health benefit costs are rising. Meanwhile, great care is difficult to access.
For employers
+54%
The average employer now pays $20,143 annually to cover just one employee's family plan—up from roughly $12,500 a decade ago.
For EMPLOYEES
+43%
The average deductible is now $1,886, a 43% increase in the past decade. More of every bill lands on the person getting care.
For PATIENTS
22 days
The wait for a first visit with a new doctor in D.C.
The wait to see a new doctor in D.C.
Sources: KFF Employer Health Benefits Survey 2025; AMN Healthcare physician appointment wait-time survey 2025.
Sources: KFF Employer Health Benefits Survey 2025; AMN Healthcare wait-time survey 2025.
What everyone has tried
Existing solutions provide temporary relief. None of them changes the underlying care.
Raise the deductible.
Higher out-of-pocket costs mean people delay and avoid care. It comes back as larger claims.
Higher out-of-pocket costs mean people delay and avoid care. It comes back as larger claims.
Shop the plan.
A new plan buys a first-year discount. Rates climb back at renewal, because the care and prices haven't changed.
A new carrier buys a first-year discount. Rates climb back at renewal, because the care and prices haven’t changed.
Narrow the network.
Fewer doctors to choose from and a plan your people learn not to trust.
Fewer doctors to choose from and a plan your people learn not to trust.
Engineer the funding.
New funding changes which stakeholder owns the risk, not the care people receive.
Each strategy borrows a year, and diminishes your people’s trust to pay for it.
Our view
Healthcare was built to pay for sickness, one claim at a time.
The health plan
Has every reason to keep you well.
But it doesn’t deliver the care. It can only pay for it, question it, or pass on the cost to you.
The doctor
Can actually keep you well.
But the system pays them for more visits, not better health.
So we’re building both.
One company that is your doctor and your health plan. The industry calls it a payvider. We’re starting with Whole Care, our primary care membership, available now. The health plan launches in 2027. You can’t fix the system. You have to rebuild it.
One goal
You get healthier and it costs less.
Better care that’s easier to access.
Care that’s easier to access builds trust
Same or next day concierge primary care, with 45-minute visits and a dedicated care team that delivers whole-person care.
Increased trust leads to more more engagement on care decisions
The front door to healthcare is a dedicated nurse care navigator who answers questions and guides you to the right place.
The front door to healthcare is a dedicated nurse navigator who answers questions and guides you to the right place.
Right care, at the right place, at the right time lowers costs
Bringing the best of Fortune 500 benefit design to small and medium-sized employers. Combining a high-touch guided care experience and a level funded health plan that lets you keep the savings.
What we sell
Two products. One works alongside your existing plan. One replaces it.
Available now
Whole Care
Keep your plan. Add real care.
Your own doctor, nurse and care concierge. Same-day answers, unhurried visits, and someone who handles the referrals, the records and the bills. It works alongside whatever plan you have now.
Your own doctor, nurse and care concierge. Same-day answers, unhurried visits, and someone who handles the referrals, the records and the bills.
Who it’s for
Self-funded employers
Spend less on claims, and give your people a benefit they’ll actually use.
Spend less on claims, and give your people a benefit they’ll use.
Fully insured employers
First-dollar care for your people, funded through an ICHRA or alongside a higher-deductible plan.
First-dollar care, through an ICHRA or alongside a higher-deductible plan.
Individuals and families
A doctor and care team that know you and helps navigate the system.
A doctor and care team that know you and helps navigate the system.
Already have a doctor you love? Through your employer, you can keep them. We handle everything around them.
Have a doctor you love? Through your employer, you can keep them.
Learn about Whole CareQuoting in 2027
The Mainstay Health Plan
Replace your carrier. Build on the care.
A health plan built around Whole Care. Go through your Mainstay care team and it’s $0: no copay, no deductible. Go your own way and you’re still covered, at a fair price. Nobody gets punished for choosing.
Go through your Mainstay care team and it’s $0: no copay, no deductible. Go your own way and you’re still covered, at a fair price.
Who it’s for
Employers with 50 to 500 people
One known monthly cost that can never go higher. If your people stay healthy, money comes back to you.
One known monthly cost that can never go higher. Money back if your people stay healthy.
Brokers
The easiest self-funded quote on your desk, with clean, disclosed pay.
Why it takes both halves
Marcus hurts his knee in a weekend pick-up basketball game.
Saturday, 4:10 pm
He texts his care team a photo and what happened.
4:25 pm
His doctor reviews and orders an MRI.
4:40 pm
MRI booked for Monday at an imaging center near his office. The cash pay card is already loaded in his app.
Monday, 8:30 am
He taps his card, gets the scan, and walks out. He pays nothing.
$2,000
The same knee MRI at a hospital. The default path today.
The same MRI at a hospital, the default path today.
$300
At the imaging center his care team picked. Marcus pays $0.
At the imaging center his care team picked. He pays $0.
Allowed amounts for a knee MRI without contrast (73721), in-network rate files for a large DMV plan, June 2026.
Allowed amounts, knee MRI (73721), in-network rate files for a large DMV plan, June 2026.
Removing friction at every touchpoint, Marcus received care quickly, and his employer didn’t pay hospital prices. This is only possible through a payvider.
Whole Care with the Mainstay Health Plan, from 2027.
Where do you fit?
“I run a company, and our health plan costs more every year.”
For employers“I advise employers on their benefits.”
For brokers“I want a doctor who actually knows me and my family.”
Whole Care for you“I’m already a member.”
Member login“I want to help build this.”
CareersA note from our founder
I grew up in primary care. My dad was a small-practice doctor and my mom ran his office. The front desk, the phones, the bills: that was our dinner table.
Today, getting care has become a job, and paying for it has become a second one. Everyone in the system is working hard. It’s just that nobody’s job is your health.
So we’re building a system where it is. Our own doctors, our own plan, one goal. It’s slow, hard work, and it will take years. We’re built for that.
Arif Sorathia
Founder and CEO