Your renewal went up again. Your people still can’t get an appointment.
Both problems come from the same place. Everyday care runs through insurance claims, so it costs more than it should and gets harder to reach every year. Amara Health takes everyday care out of the claims stream. One flat monthly fee. What it buys isn’t coverage. It’s access: a doctor your employees can actually reach, and nothing due at the door.
Complimentary 15-minute visit · No chargeThe math your broker never shows you
The average family premium for job-based coverage hit $26,993 in 2025 — up 6% in a single year.* Here’s what that money buys your people: the average American primary care doctor carries about 2,300 patients.** At that volume, the ten-minute visit isn’t a failure of caring — it’s the business model. Your employees feel it as three-week waits, rushed appointments, and small problems that turn into ER visits.
Amara’s physicians care for a limited number of patients. That arithmetic is the entire model. Fewer patients per doctor means same-day appointments, visits that aren’t rushed, and someone who knows your employee’s name when they call. Fewer patients per doctor. More doctor per patient. Employers now fund 60% of active direct primary care memberships.*** Not because it’s fashionable. Because the math works.
What your employees actually get
Not a discount card. Not a nurse hotline. A doctor.
Sick visits, follow-ups, or “something feels off” — no copay, ever.
When something’s wrong, they’re seen now — not in three weeks.
They call — somebody who knows their name answers. Not a phone tree.
Unhurried and thorough, built around prevention instead of box-checking.
Blood pressure, diabetes, cholesterol, thyroid — ongoing care with the same physician, not a rotating cast.
Amara’s physicians prescribe what employees need — the practice doesn’t carry or dispense medications. Employees fill prescriptions at their own pharmacy.
Stitches, skin biopsies, joint injections, EKGs — done here, not referred out at specialist prices.
When a specialist is truly needed, we call them ourselves, brief them on your employee, and follow up afterward.
What it does to your costs
Most of what your people need in a year is primary care. When it runs through insurance, every visit becomes a claim—and claims drive up your renewal costs.
Membership takes that entire category out of the claims stream. Your insurance is left doing what insurance is genuinely for: the hospital stay and the surgery.
That gives you two good options. Keep your current plan and add care your people will actually use. Or price a higher-deductible plan for the big stuff, which usually costs less once everyday care is handled here. Either way, you don’t have to redesign your entire benefits package to give your team better access to primary care.
The published research behind it
- 25.5% fewer hospital admissions, about 40% fewer ER visits, and 12.6% lower risk-adjusted claims costs (Society of Actuaries/Milliman, May 2020 — one midsize employer, two-year study).
- In one validated employer case study: 31% lower per-employee spending over three years, with a 3:1 return (Validation Institute, February 2026).
Membership is not insurance.
This is not insurance, and it doesn’t replace your company’s health plan. Keep that plan for hospital care, specialists, prescriptions, and the emergency room — for you and your people.
Membership pays for something else entirely: time, access, and coordination. A physician with room for your people. Same-day appointments. A direct line that’s answered. That’s the entire product — and it’s the one thing the current system can’t sell you at any price.
One flat fee. About $3 a day.
$89 per employee per month — roughly $3 per employee per day. Less than the coffee run. No “contact us for pricing.”
One monthly invoice for the whole team
No claims to file. No explanations of benefits to decode. Prefer to skip the invoice? We can keep a company credit card on file and charge it monthly. You’ll always get prior notice of charges.
You choose how much to cover
All of it, part of it, or offer it as a voluntary benefit at our group rate — you decide what structure makes sense for your business.
Month to month freedom
If someone leaves, you stop paying for them immediately. You’re never locked into an inflexible annual administrative contract.
Start any time of year
Direct primary care is not tied to open enrollment calendars or traditional health benefit plan renewal cycles.
What about HSAs?
Federal law changed on January 1, 2026. A qualifying direct primary care arrangement no longer disqualifies an otherwise eligible person from contributing to an HSA. Qualifying fees can be paid from the HSA itself. The 2026 limit is $150 per month per person ($300 for family coverage). At $89, Amara clears it with room to spare. (IRS Notice 2026-05. Your benefits or tax adviser has the final word on your specific plan.)
Don’t have group insurance at all?
If you’re too small for a group plan — or the quotes made you laugh out loud — this is still a real benefit. For many small businesses, direct primary care is the first health benefit they’ve ever been able to offer. A doctor their people can actually see, for a flat monthly fee they can actually budget. No insurance required.
Getting started takes four steps
Review your quote
Bring us your current renewal. We’ll show you exactly what changes — and tell you honestly if we’re not the right fit.
Enroll your team
Each employee signs a simple membership agreement. We can run enrollment at your office or ours.
Go live
Same-day and next-day clinical access starts immediately. One clean invoice once a month.
What you'll see
You’ll get aggregate engagement reports. You’ll never see an individual’s protected medical records. Period.
Questions business owners ask
Is this health insurance?
No. Membership is not insurance — it’s a membership with their doctor. What it buys is more access: everyday primary care, with a physician who has room for them. Hospital stays, surgeries, and specialists still need insurance or a health share alongside it. We’ll tell you plainly what it doesn’t cover — that’s part of the deal.
Do our employees still need insurance?
For the big events, yes. Most employers pair this with a high-deductible plan, which usually costs less once everyday care is handled here.
Can we start mid-year?
Yes — any time. It’s not tied to open enrollment.
What if we only have a handful of employees?
Groups start at four. If you’re smaller than that, talk to us anyway — we’ll tell you honestly what fits.
Will our employees actually use it?
That’s the right question, because this only saves money if people come in. That’s why access is the product: same-day appointments and a doctor who answers the phone.
What if an employee needs a specialist?
We coordinate it. Our physicians call the specialist themselves, brief them on your employee, and follow up afterward. Your employee isn’t left making calls on their own.
Do you handle prescriptions?
Our physicians prescribe what employees need, as the practice doesn’t carry or dispense medications. Employees fill prescriptions at the pharmacy of their choice.
Sources: * KFF 2025 Employer Health Benefits Survey. ** Altschuler, Margolius, Bodenheimer & Grumbach, “Estimating a Reasonable Patient Panel Size for Primary Care Physicians With Team-Based Task Delegation,” Annals of Family Medicine 10(5), 2012. *** Hint Health 2026 Direct Primary Care Trends Report (1.4 million members on its platform).
