Cut Your Company's Healthcare Costs - Without Cutting Care

DPC-built, ACA-compliant • better care for your team • a plan that works for your budget

Have a smaller team? A simpler DPC + healthshare plan may be a better fit.
See our plan for small businesses →

Every Year, Your Health Insurance Costs Go Up—and You Have Less to Show for It

Frustrated business owner at a computer late at night

If you offer your team health insurance, you know the routine. Premiums rise at renewal—year after year—whether or not anyone used the plan. You pay more, your employees often get less, and renewal season becomes something you brace for.

You're handing over a growing share of your budget to an insurer whose incentives don't match yours—and getting no money back for the care your team never used. Meanwhile your employees still face copays, deductibles, and the same hard-to-reach care everyone complains about.

It feels like there's no alternative: pay the increases, cut benefits, or pass the cost to your team. But those aren't your only options.

Imagine Spending Less on Health Benefits—and Giving Your Team Better Care

Imagine a health plan built around your business instead of an insurer's bottom line. One that's still ACA-compliant and lets your employees see any doctor or hospital they choose—but costs you noticeably less, and pays you back for the care your team doesn't use.

Imagine your employees actually loving their healthcare: a doctor they can call, text, or see the same day, with no copays and no rushed visits—because real primary care, not a claims process, is at the center of the plan.

That's what becomes possible when you build benefits on Direct Primary Care. Your costs become predictable and lower. Your team gets care they'll genuinely use and value. And instead of dreading renewal season, you finally have a benefits plan that works for your business—not against it.

How the Plan Works

No complicated networks, no claims maze—just a simpler, smarter way to cover your team.

1. You pay one monthly fee per employee

A single, predictable monthly cost per employee—built around your business's size and budget, and fully ACA-compliant. No surprise mid-year spikes, no guessing what next year holds.

2. Your team gets all-inclusive care

Their healthcare is anchored by Direct Primary Care from Clear Access MD: unlimited visits, no copays, and 24/7 access to a doctor they can call, text, or see the same day. When they need a specialist, lab, or hospital, they can use any provider they choose—no network restrictions to navigate.

3. You save, and get money back

Because the plan cuts out the bloat of traditional insurance and delivers care at cost, your costs are lower and more predictable. And you pay only for the care your team actually uses—unused funds come back to you as an annual refund, instead of disappearing into an insurer's pocket.

Lower costs for you. Better care for your team. A plan that finally works the way it should.

Better Care for Your Team, Lower Costs for Your Business

A Direct Primary Care–built health plan delivers on both sides—happier, healthier employees and a benefits budget that finally works in your favor.

What Your Team Gets

A benefit they'll feel every day.

✓Unlimited visits with no copays
✓A doctor they can reach directly—call, text, email, or video, 24/7
✓Same- or next-day appointments
✓Unhurried, personal care covering 80–90% of everyday needs
✓Freedom to choose any specialist or hospital—no network restrictions

Why It Saves You Money

A plan built for your bottom line.

✓Pay only for the care your team actually uses
✓Annual refunds on unused benefits
✓Predictable, stable costs—a flat monthly fee per employee
✓Care delivered at cost, with the insurance markup stripped out
✓No networks to administer—your benefits partner handles the details
✓Virtuous Benefits, our benefits partner, reports that their clients typically save 30-60% on premiums compared to traditional employer group health plans.

Actual savings vary by business.

Have a smaller team? A simpler DPC + healthshare plan may be a better fit.
See our plan for small businesses →

The Care Behind the Plan: Dr. Bruna Jebelev

A health plan is only as good as the care it's built on. With Clear Access MD, your employees aren't handed a directory of strangers—they get a real relationship with a 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. Her practice is built on the belief that people deserve direct access to their doctor, unhurried visits, and a partner who actually knows them. For your team, that means a local doctor they can call, text, or see the same day—who remembers their history and has time to listen.

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 with.

When you build your team's benefits on Clear Access MD, you're not just lowering costs—you're giving them a doctor who's genuinely in their corner.

A Proven Model, Backed by Real Expertise

You don't have to take a leap of faith. This approach combines an established care model, an experienced benefits partner, and a credentialed local physician.

A proven care model

Direct Primary Care isn't experimental—it's an established model used by thousands of practices nationwide, known for better access, higher patient satisfaction, and fewer costly ER visits. You're building benefits on something with a real track record.

An experienced benefits partner

The health plan structure is built and administered with one of our partner benefits companies who have helped employers across the country lower their costs while improving their teams' care. The savings model is proven across businesses of every size.

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 and published research. Real expertise, right here in Lakewood Ranch.

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

Common Questions from Business Owners

Is this real health insurance?

Yes. The plan is fully ACA-compliant—it's a legitimate health plan, not a workaround or a health-sharing arrangement. It's simply built differently: around Direct Primary Care and direct relationships with providers, instead of a traditional insurer's network and overhead.

How can it cost less and still be good coverage?

The savings come from cutting out the bloat of traditional insurance, not from cutting your employees' care. By putting primary care at the center—handling most needs directly, without copays or claims for routine visits—and negotiating care at cost, the plan removes the markup and waste that drive up traditional premiums. Your team often gets better access than before, for less.

Are my employees stuck in a narrow network?

No. The plan has no network restrictions—your team can see any specialist or use any hospital they choose. The Direct Primary Care foundation handles 80–90% of everyday needs directly, and for everything else, 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.

How do the refunds work?

Because you pay for care rather than funding an insurer's margins, money set aside for care your team doesn't use can come back to your business, rather than being lost to premiums. We'll walk you through exactly how this works for your plan during your cost analysis.

What does it take to switch?

Less than you'd expect. We and our benefits partner handle the plan design and setup; your part starts with a free cost analysis showing what you'd save. There's no obligation, and no commitment until you've seen the numbers for your specific business.

See What Your Business Could Save

Find out exactly what a DPC-built health plan would mean for your company—the cost savings, the coverage, and what your team would gain. It starts with a free, no-obligation cost analysis built around your business.

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

No obligation. We'll show you the numbers—the decision is yours.

Have a smaller team? A simpler DPC + healthshare plan may be a better fit.
See our plan for small businesses →

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