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Real Healthcare for Your Team — Without the Price of Insurance

Unlimited access to a local doctor through Direct Primary Care, paired with affordable coverage for life's bigger medical costs — at a fraction of traditional insurance, and care your team will actually want to use.

Prefer a fully ACA-compliant group health plan?
See our plan built for that →

For a Small Team, Traditional Insurance Is a Losing Game

Small business owner paying bills late at night

When you run a small business, real health benefits can feel out of reach. Small-group plans come with big-company prices but none of the leverage—sky-high premiums, deductibles so steep your team avoids care anyway, and rates that climb every year no matter what.

So you're left choosing between bad options. Offer nothing, and you worry about keeping good people—and what happens if someone gets sick. Offer a plan, and you're paying thousands a month for coverage your team barely uses and doesn't understand.

Either way, you're stuck—priced out of giving your team real care, or paying a fortune for care they can barely use.

It doesn't have to be this way. The reason it feels impossible is that you've only been offered one model—traditional insurance. There's another way to take care of your team, built for businesses your size.

Imagine Real Benefits Your Team Loves — at a Price That Finally Makes Sense

Happy business owner with team

Picture health benefits built around your team actually getting care—not around an insurance company's paperwork.

At the center is a real doctor. Every employee gets unlimited access to Dr. Jebelev through Direct Primary Care—same- or next-day visits, no copays, and a physician they can call, text, or email directly. The everyday things that send people to urgent care or keep them up at night are handled by a doctor who actually knows them.

For the bigger, less common costs—a hospital stay, surgery, a serious diagnosis—your team is protected too, through an affordable membership that shares those larger expenses. You get meaningful coverage for the things that matter most, without the premiums of traditional insurance.

The result: your team gets care they'll genuinely use and value, you get a predictable monthly cost that's a fraction of what insurance would run, and everyone stops dreading the doctor—and the bill.

How the Plan Works

No complicated networks, no claims maze—just a simpler way to take care of your team, in three parts that work together.

Your team gets a real doctor through Direct Primary Care

Every employee gets unlimited access to Dr. Jebelev—same- or next-day visits, no copays, and a doctor they can call, text, or email directly. It handles the large majority of everyday needs: checkups, sick visits, chronic conditions, prescriptions, and more.

A healthshare covers the big stuff

For the major costs—a hospital stay, surgery, an emergency—your team joins a non-profit community that shares those expenses. Everyday care stays with your doctor. No network, so they can see any provider, and they can join any time.

A healthshare is not insurance—it's members sharing medical costs. We'll explain exactly how it works.

One membership — bundling lowers the cost

Everyday care from their own doctor plus healthshare protection for major events, in one simple monthly membership. Because your DPC handles routine care, the healthshare costs less paired with us—better care without a bigger bill. We'll walk through your team's numbers on a quick call.

Better Care for Your Team, at a Price That Fits

A health benefit built around real care and a price that fits a small business—working for your team and your bottom line at once.

What Your Team Gets

Care they'll feel every day.

  • ✓Unlimited visits with no copays
  • ✓A doctor they can reach directly—call, text, email, or video
  • ✓Same- or next-day appointments
  • ✓Personal, unhurried care for most everyday needs
  • ✓Protection for the big stuff—hospital stays, surgery, emergencies
  • ✓Freedom to see any doctor or hospital—no networks
  • ✓Care in both English and Spanish

A Price That Makes Sense

A benefit built for a small budget.

  • ✓A flat monthly cost per employee—predictable, no surprise spikes
  • ✓A fraction of what traditional small-group insurance would cost
  • ✓No copays or deductibles between your team and everyday care
  • ✓Bundling actually lowers the cost—your DPC reduces the healthshare contribution
  • ✓Simple to set up and run—no complex plan administration

Prefer a fully ACA-compliant group health plan?
See our plan built for that →

Meet the Doctor Your Team Gets

Dr. Bruna Jebelev, MD

A health benefit is only as good as the care behind it. With Clear Access MD, your team doesn't get a phone tree and a directory of strangers—they get a real relationship with one board-certified physician, right here in Lakewood Ranch.

Dr. Jebelev brings nearly two decades of Internal Medicine experience and fellowship training in Nephrology to every patient she sees. For a small team, that means something big: a doctor who knows your employees by name, remembers their history, and is there—by call, text, or same-day visit—when they actually need her.

She also cares for patients in both English and Spanish, so more of your team can get care in the language they're most comfortable in.

When your team's care is built on a doctor who's genuinely in their corner, everything else works better.

Icahn School of Medicine at Mount SinaiAlbert Einstein College of MedicineNYC Health + Hospitals / JacobiU.S. Department of Veterans Affairs

A Proven Approach You Can Trust

You don't have to take a leap of faith. This combines two established healthcare models with a credentialed local physician—each with a real track record.

Direct Primary Care isn't new

DPC is an established model used by thousands of practices nationwide, known for better access, higher satisfaction, and fewer costly ER visits. You're building your team's care on something with a real track record.

Healthshares are a tested model, too

Medical cost-sharing has helped hundreds of thousands of Americans handle major medical costs for decades. Your team's larger expenses are shared through an established, non-profit healthshare community—not an untested startup.

A credentialed local doctor

Your team's care is anchored by Dr. Bruna Jebelev—board-certified in Internal Medicine, fellowship-trained in Nephrology, with nearly two decades of experience. Real expertise, right here in Lakewood Ranch.

As a growing local practice, we offer something larger systems can't: the time to make your team's care personal. Your business could be one of our first employer partners.

Common Questions from Business Owners

Is this health insurance?
No — and that's the point. This isn't a traditional insurance plan. Your team gets everyday care directly from their own doctor through Direct Primary Care, paired with a healthshare—a community of members who share each other's larger medical costs. It's a different, more affordable way to take care of your team. A healthshare is not insurance: it doesn't guarantee payment the way an insurer does, and we'll walk you through exactly how the sharing works so you know what to expect. (If you specifically need a fully ACA-compliant insurance plan, we offer that too — see our plan for larger teams →).
What exactly is a healthshare?
A healthshare (or health cost-sharing community) is a group of members who agree to share each other's major medical expenses. When a member has a qualifying medical event—like a hospital stay, surgery, or emergency — other members' contributions cover those costs. It's a community-based model that has been used by hundreds of thousands of Americans for decades. It is not insurance, but it can provide meaningful protection for large, unexpected medical expenses.)
How can it cost so much less?
The savings come from cutting out the overhead of traditional insurance, not from cutting care. Most everyday needs—checkups, sick visits, chronic conditions—are handled directly by your doctor, with no claims or copays. The healthshare is there for the bigger, less frequent costs. Without an insurer's networks and markup in the middle, the whole thing costs a fraction of a traditional plan.
What if my team has a major medical event—will it be covered?
When someone faces a large medical cost—a hospital stay, surgery, an emergency—it's submitted to the healthshare community, which shares eligible expenses according to clear member guidelines. We'll walk you through exactly what's shareable and how it works before you decide, so there are no surprises. (Because a healthshare isn't insurance, sharing follows the community's published guidelines rather than an insurance contract.)
What about pre-existing conditions?
Healthshares handle pre-existing conditions differently than insurance—often with waiting periods before certain conditions become eligible for sharing. This is one of the most important things to understand before joining, so we'll go through exactly how it would apply to your team during our conversation.
Can my team see any doctor they want?
Yes. There are no network restrictions—your team can see any doctor or specialist and use any hospital they choose. Their primary care is anchored by Dr. Jebelev at Clear Access MD, and for anything beyond that, they have full freedom of choice.
What is Direct Primary Care, exactly?
It's primary care built on a direct relationship between patient and physician instead of insurance billing. Your employees get unlimited visits, no copays, same- or next-day access, and a doctor they can call or text—anchored, in your plan, by Dr. Jebelev at Clear Access MD.
Can employees join any time of year?
Yes. Unlike ACA-compliant insurance plans, healthshare membership is not limited to open enrollment periods. Employees can join at any time, which gives you flexibility when onboarding new hires or rolling out the benefit.
What does it take to get started?
Less than you'd expect. It starts with a quick conversation about your team, where we'll show you what care and costs would look like for your specific business. There's no obligation—just a clear picture so you can decide for yourself.

Let's Build Something That Fits Your Team

Find out exactly what affordable, real healthcare would look like for your business—the care your team would get, and what it would cost. It starts with a quick, no-obligation conversation built around your team.

No pressure, no commitment. Just a clear picture of your options, so you can decide for yourself.

No obligation. Tell us about your team and we'll show you the care and the cost—the decision is yours.

Prefer a fully ACA-compliant group health plan?
See our plan built for that →

Looking for personal care instead? Individual & family membership → or care without insurance →