For employers
Your health plan costs more every year. Your people aren’t getting any healthier.
We build the care and the plan together, so that changes. Your people get a doctor who knows them. You get a cost you can see coming.
The math
You pay more each year, and your people get less for it.
+54%
What family coverage costs, up from $17,545 to $26,993 in ten years.
+43%
The rise in the average deductible, now $1,886. Your people pay more before the plan pays anything.
22 days
The wait to see a new doctor in D.C.
Sources: KFF Employer Health Benefits Survey 2025; AMN Healthcare physician appointment wait times, 2025.
What you’ve tried
Traditional cost reduction levers don’t impact the underlying problem.
Raise the deductible.
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.
Narrow the network.
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 adds a year but lacks durability. We’d rather change what it pays for.
What changes for your people
Someone finally has their back.
A doctor who knows them.
45 minute visits, with the same doctor and nurse every time.
Same-day answers.
A text in the morning gets a clinician’s reply the same day.
Someone to handle the hassle.
A nurse navigator handles the referrals, sends records and sorts out bills.
$0 to use through our team.
Visits with our care team have no co-pays or deductibles. On the plan, specialists our team books are free too.
Illustrative
“I texted a description of my symptoms at lunch and had an answer before my two o’clock. Nobody made me call three offices.”
Two ways to start
Keep your plan. Or replace it.
Keep your plan · available now
Whole Care
Works alongside the plan you have.
Your people get their own doctor, nurse and care concierge. Virtual now, with DMV clinics opening January 2027.
Three ways to fund it
Fully insured, through an ICHRA
First-dollar care for your people, funded through an ICHRA.
Fully insured, alongside a higher-deductible plan
The premium you save funds an HRA and Whole Care, so your people are covered from the first dollar.
Self-funded
Less spent on claims through navigation to the right care at the right time.
Whole Care is a membership for primary care. It is not insurance.
See Whole CareReplace your plan · quoting in 2027
The Mainstay Health Plan
The health plan a 10,000 person company would build.
A health plan built around Whole Care, for employers with 50 to 500 people. One predictable monthly payment and money back if your people stay healthy.
Coordinated
When our team arranges or delivers care, $0 co-pay and $0 deductible.
Self-directed
Members can see any doctor they choose, and coverage starts after the deductible.
Privacy
You cover the care. You never see the records.
Your people’s health stays between them and their care team. That’s how they come to trust it, and use it.
- What you see
- Eligibility. Who is enrolled, and when.
- What you never see
- Diagnoses, visit notes, prescriptions, or anything else about anyone’s health.
How to start
Three steps to get started.
1
Talk to your broker, or to us.
Bring your broker in, or start with us and we’ll loop them in.
2
Send us your census file.
We’ll provide a quote in 5-10 days and a savings estimate based on your team, not industry averages.
3
Your people meet their care team.
We handle enrollment and introductions, so your people can text their doctor and nurse from day one.
Ask for a model built on your own census.
Talk to usEmployer questions
What employers ask us first.
Does this replace our insurance?
Whole Care works alongside the plan you have now. It is a membership for primary care, not insurance. The Mainstay Health Plan, which does replace your health plan, starts quoting in 2027.
Will our people have to switch doctors?
No. With Whole Care, visits with their care team are free and everything else runs through your current plan. On the Mainstay plan, care is free when it goes through their care team, and still covered after the deductible when they go on their own.
How is it priced?
Whole Care is a flat monthly fee per person. The plan is one even monthly payment with a maximum that can never go higher. Both solutions are priced on your census.
What do we see?
Eligibility and aggregate level engagement data. No access to anyone’s records.
What if our broker isn’t familiar with you?
Introduce us. We work with brokers, pay them clearly, and keep the submission to one census template. We’ll walk them through the rest.