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
You’ve pulled every lever. None of them changes the care.
Raise the deductible.
Your people skip the MRI until it becomes the surgery. The cost comes back as a bigger claim.
Shop the carrier.
A first-year discount that fades at renewal. Same care, same prices underneath, new logo.
Narrow the network.
Fewer doctors, more denials, and a plan your people learn not to trust.
Engineer the funding.
The money moves. The care doesn’t. The savings are gone by year two.
Each one moves the cost around. We’d rather change what it pays for.
What changes for your people
Someone finally has their back.
A doctor who knows them.
Their own doctor and nurse, with unhurried visits and time to actually talk.
Same-day answers.
A text in the morning gets a clinician’s reply the same day.
Someone carrying the job.
A care concierge handles the referrals, the records and the bills.
$0 to use it.
No copay at the door. Nothing standing between your people and their doctor.
Illustrative
“I texted a photo at lunch and had an answer before my two o’clock. Nobody made me call three offices.”
Two ways to start
Keep your carrier. Or replace it.
Keep your carrier · 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
A flat fee per employee per month. Less spent on claims, and a benefit your people use.
Whole Care is a membership for primary care. It is not insurance.
See Whole CareReplace your carrier · quoting in 2027
The Mainstay Health Plan
Build the whole plan on the care.
A health plan built around Whole Care, for employers with 50 to 500 people. One even monthly payment, with a maximum that can never go higher. Paperwork done for you. Money back at settlement if your people stay healthy.
Coordinated
Through the care team. $0 copay, $0 deductible.
Self-directed
See anyone. Still covered, 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. Then a care team.
1
Talk to your broker, or to us.
Bring your broker in, or start with us and we’ll bring them along.
2
We model it on your census.
Your people, your current plan, your renewal. No industry averages standing in for your group.
3
Your people meet their care team.
We handle enrollment and introductions. Each person gets a doctor, a nurse and a concierge they can text.
Ask for a model built on your own census.
Talk to usEmployer questions
What employers ask us first.
Does this replace our insurance?
Not today. 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 carrier, starts quoting in 2027.
Will our people have to switch doctors?
Only if they want to. Anyone who loves their doctor can keep them, and we still handle everything around that doctor: the referrals, the records and the bills.
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. Either way, we price it on your own census.
What do we see?
Eligibility: who is enrolled, and when. Never anyone’s health 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.