Quoting in 2027
One known cost a year. It can never be more.
The Mainstay Health Plan replaces your carrier, for companies with 50 to 500 people. You fund to a known maximum, pay it in even monthly amounts, and get back what the year doesn’t spend.
How the money works
Fund to a known maximum. Get the rest back.
A maximum that can never be more.
Your quote sets the most the year can cost. If claims run high, the number doesn’t move.
One even monthly payment.
The same amount every month. No cash calls, and no surprise invoice when a big claim lands.
Stop-loss protection.
Insurance above your maximum takes the big claims and the bad years, so one hard case can’t sink your plan.
Surplus back at settlement.
If your people stay healthy, what the year didn’t spend comes back to you.
Our fee is at risk.
Part of our fee sits behind your surplus. It comes back to us first out of what the year doesn’t spend, and only if there is a surplus. The rest is yours.
Paperwork done for you.
Plan documents, the federal filings and the notices your people receive. We prepare them and keep them current.
Who it’s for
Built for companies with 50 to 500 people.
Big enough that a pooled carrier price is costing you. Small enough that nobody built a plan around you.
Nobody has to switch doctors.
The self-directed path covers any doctor, so the people who love theirs keep them.
Your people feel it on day one.
A care team they can text, and $0 when they go through it.
You see what you pay for.
Plain reports on what the plan spent, every quarter. You never see anyone’s health records.
Better every year you’re in
What we report becomes your rate.
The plan works on its own math in year one. After that, what we report each quarter turns into better terms at renewal.
What we report, every quarter.
How much of your people’s care went through the care team, where referrals landed, how ER, scan and hospital use shifted, and how claims settled.
Credits at renewal.
Those numbers turn into renewal credits: on expected claims, on the backstop pricing, and on how claims are expected to settle. The data earns the rate.
A shared pool, then price locks.
As more employers join, groups will pool the middle layer of risk and share in the result, so the surplus stays with the employers who built it. Later come price locks across more than one renewal, for groups that stay.
The groups that start early are the ones the pool, the contracts and the price locks are built for.
How switching works
Start with Whole Care now. Switch the plan at your renewal.
Now
Add Whole Care beside the plan you have today. Your people meet their care team this year.
Spring 2027
Send us your census. We come back with a quote in 5 to 10 days.
From July 2027
Replace your carrier at your renewal. Your people keep the care team they already know, so nothing changes for them but the card.
Let’s talk about your renewal.
Tell us when your plan renews and how many people you cover. We’ll tell you whether the plan fits, and when you can see a quote. Working with a broker? Bring them along.