Health coverage that answers to your conscience, not Wall Street. We bring non-traditional, cooperative health plans to organizations of all sizes.
Be part of the solutionTraditional corporate insurance is a zero-sum game: for their shareholders to win, your business loses. Denied claims, opaque pricing, extraction.
We cut the for-profit carriers out entirely — and build transparent, agile systems from the ground up.
By leveraging Association Health Plans (AHPs), Non-Profits, and Co-Ops, we pool your risk with other good actors. You get the buying power of a giant without feeding one.
We design non-traditional solutions like direct primary care and level-funded models - meaning you get refunds when your team stays healthy.
No fine print. No hidden agendas. No bureaucratic runarounds. Just honest, clear coverage contracts built on radical solidarity and mutual respect.
Traditional carriers stack margins at every layer. You pay for their overhead, shareholders, and executive bonuses. We rebuild the structure so your premiums actually buy care.
Denied claims, endless referrals, and call centers designed to exhaust patients into giving up. Your team deserves a plan that works when they need it.
High deductibles and narrow networks create coverage that looks good on paper but keeps people from seeing a doctor. We design plans around real access—including zero copay primary care.
Member-governed coverage for agricultural employers. For over 30 years, Western Growers has pooled risk across the industry—proving that when growers control the plan, the benefits serve them, not outside investors.
A worker-owned cooperative delivering Fortune 500-level benefits to independent workers and small teams. By pooling resources, Opolis gives collective bargaining power to those who historically had none. This is cooperative infrastructure in action.
Member-driven health coverage built specifically by and for California CPAs.
Owned by policyholders, not Wall Street. Delivering long-term stability and community impact.
Direct primary care that removes the insurance middlemen—giving patients unlimited access to doctors.
Self-funded plans and alternative solutions that cut out bureaucratic waste to protect your bottom line.
Industry-leading PEO boasting a 96% retention rate, built on relentless customer support.
A mutual organization and Certified B Corporation using insurance as a force for good.
A fully transparent pharmacy program stripping out hidden rebates to dramatically reduce prescription costs.
The pioneer of nonprofit integrated care—where your insurer and your doctor work together, not against each other.
Our plans don't pay dividends to shareholders
See all plans
| Entity Name | State(s) | Type | Why It's Special |
|---|---|---|---|
| Opolis Coalition | National | Cooperative | A worker-owned employment cooperative that delivers Fortune 500-level benefits to independent workers and small teams — governed by members, not investors. |
| Western Growers | CA/AZ | Association Health Plan | Over 30 years of member-governed coverage for agricultural employers. Risk is pooled across growers, decisions are made by growers — no shareholder layer in between. |
| Cal CPA Health | CA | Association Health Plan | The Health Plan by California CPAs serving the financial industries for over 30 years. |
| Sharp Health Plan | CA | Public Benefit Corp | San Diego's hometown nonprofit health plan. Doctors and insurance operate as a single integrated unit, legally bound to benefit the public — not the balance sheet. |
| Western Health Advantage | CA | Nonprofit | Founded by physicians to keep healthcare decisions local. Provider-sponsored and nonprofit, it exists to serve patients in Northern California — not to generate returns for outside investors. |
| Inland Empire Health Plan | CA | Public Entity | A not-for-profit public agency serving the Inland Empire's underserved communities. Every dollar in is a dollar toward universal access — there is no profit motive here. |
| Kaiser Permanente | CA/OR | Nonprofit Integrated | The original integrated model: insurance and care delivery are one nonprofit entity. Built during WWII to keep shipyard workers healthy, it has never answered to outside shareholders. |
| Banner Health | AZ | Nonprofit Integrated | Arizona's largest nonprofit health system, coordinating care through its own network of hospitals and clinics. Scale without the extractive structure. |
| AZ Blue (BCBS AZ) | AZ | Nonprofit | A standalone Arizona nonprofit — structurally separate from the for-profit BCBS entities operating elsewhere. Locally accountable and mission-driven in a way most Blue plans are not. |
| Vigilant Trusts | AZ/OR/WA | Industry Trust | Member-owned pooled coverage for manufacturing and construction employers in the West. Risk is shared across the industry, and governance stays in the hands of the members. |
| PacificSource | OR/WA/ID | Nonprofit | Member-owned and regionally rooted, PacificSource channels its surpluses into a dedicated Health Improvement Foundation — not dividends. |
| Vitable Health | National | Level-Funded + DPC | Level-funded plans paired with direct primary care to lower costs and improve everyday access to care for employees. |
| AllCare Health | OR | Certified B Corp | Physician-led and legally mission-locked, AllCare reinvests surplus into rural community health rather than distributing it upward. Care and coverage under one roof. |
| Cascade Employers (PNET) | OR/PNW | Employer Trust | A pooled risk trust governed by a board of local employers, not shareholders. Built for Pacific Northwest businesses that want buying power without ceding control. |
We help companies lower their monthly premiums, while improving the benefits for their employees.
Coverage people can actually use builds trust, loyalty, and retention.
Transparent, direct-care models that prioritize outcomes over billing cycles.
By cutting out the extractive middlemen, your dollars go further — for you and your team.