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Healthcare, on your terms

Your care.
Your choice.
No middleman.

HealthPass is a membership to real care — chiropractic, primary care, dental, behavioral health, acupuncture and massage — with no copays, no deductibles, and no pre-authorizations standing between you and your provider.

Become a member
$49 one-time enrollment $20 annual renewal Hopper Pass — care anywhere in network
HealthPass
by Legacy Health Network
Complete · All 6
H Hopper
Pass
Member
Your Name Here
HP · 2026 · 000000
Chiropractic Telemedicine Dental Behavioral Health Massage Gym · Acu
No copay · No deductible · No pre-auth
Your HealthPass Member Card
The state of the system

Insurance keeps costing more —
and covering less.

Every year the bill goes up, the deductible goes up, and the odds your claim gets paid go down. Coverage has quietly turned into a toll booth between you and your own doctor.

$26,993
Average annual premium for employer family coverage in 2025 — up 6% in a year and 26% over five years.
KFF 2025 Employer Health Benefits Survey
$6,850
The share of that family premium taken straight out of a worker's paycheck — before a single visit.
KFF, 2025
~1 in 5
In-network claims denied on ACA marketplace plans in 2024 — with some insurers denying far more.
KFF analysis of CMS data, 2024
$220B
Owed in medical debt across the U.S. — touching roughly 100 million Americans, many of them insured.
KFF, 2025

Even with a plan, most people now pay a deductible near $1,900 (often well over $2,000 at smaller employers) before coverage kicks in. When a claim is denied, fewer than 1 in 100 people ever appeal — and most appeals are upheld by the insurer that issued the denial. In 2024 alone, more than 30 million Americans borrowed an estimated $74 billion just to pay medical bills. You're not imagining it. The model is working exactly as designed — for the middleman.

A different model

HealthPass is the answer
we've been waiting for.

HealthPass isn't insurance with a friendlier logo. It's a collaborative healthcare membership platform — built to align the three people insurance pits against each other: the patient who needs care, the doctor who provides it, and the employer who pays for it.

Doctor-owned, not Wall Street-owned

The network is owned and run by licensed providers, not investors optimizing a denial rate. The people deciding your care are the people giving it.

Everyone's incentives line up

Members get real access, providers get paid directly and predictably, employers get a fixed cost. No party wins by withholding care — that's the collaboration.

One growing network, shared

Medical Homes and affiliate clinics join forces across disciplines, and your Hopper Pass lets your membership travel with you anywhere in the network.

Traditional insurance

  • Premiums that climb every year
  • Deductibles before anything is covered
  • Claim denials, appeals, and surprise bills
  • Prior authorizations and referrals to get care
  • Narrow networks and a faceless call center

HealthPass membership

  • One flat, predictable monthly price
  • No deductibles — your membership is your access
  • No claims to file and no claims to deny
  • No copays and no pre-authorizations
  • A direct relationship with your own provider

It's not a loophole or a discount card. It's healthcare the way it worked before the middleman — paid for directly, delivered personally, and priced so you actually know what you're getting. That's the answer we've all been looking for.

Become a member

A growing network of care

Six disciplines today, with vision, lab services and pharmacy discount programs actively expanding the network.

01

Chiropractic

Unlimited adjustments and spinal care without per-visit billing.

02

Primary Care

Direct primary care and telemedicine — same-day access, real relationships.

03

Dental

Silver and Gold tiers covering cleanings, exams and member rates on treatment.

04

Behavioral Health

In-person and telemedicine counseling sessions, confidential and direct.

05

Acupuncture

Visit packages for pain, stress and recovery from licensed practitioners.

06

Massage Therapy

Therapeutic massage visit packages to keep recovery on schedule.

Pricing

Pick a discipline, or bundle and save

VIP Gold
$359/mo
≈ 31% savings vs. à la carte

Our most complete bundle — comprehensive multi-discipline access for individuals who want everything in one membership.

VIP Silver
$259/mo
≈ 27% savings vs. à la carte

A core bundle of the most-used disciplines at a significant discount to single memberships.

Individual membershipMonthly
Chiropractic Unlimited visits$69
Direct Primary Care In-person$129
Telemedicine — Primary Care$75
Dental — Gold$87
Dental — Silver$44
In-Person Counseling 6 sessions$125
Telemedicine Counseling 6 visits$59
Acupuncture 6 visits$59
Massage Therapy 6 visits$49

Membership requires a one-time $49 enrollment and a $20 annual renewal, with a 12-month commitment. Pricing shown is the canonical HealthPass schedule and is subject to the membership agreement.

Get started

Let's find the right fit for you.

Reach out for more information, to schedule a presentation, or for a call to enroll. We'll walk you through every step.

Get in touch

We'll walk you
through every step.

Legacy Health Network has a dedicated employer onboarding team. We coordinate with your broker, payroll provider, and HSA administrator — so you don't have to manage it alone.

🌐
Website
healthpassbylegacy.com
📍
Headquarters
Nationwide  ·  Legacy Health Network
🏥
Network
Legacy Health Network  ·  ChiroFirst Alliance
For current members

Welcome back.
Let's use it.

Your membership is built to be simple: carry your digital card, find a clinic, and walk in. No claims, no surprise bills, no asking permission to get care.

No copays No deductibles No pre-authorizations

Getting the most from your membership

Your digital member card

Pull up your card in the HealthPass member app and present it at any participating clinic. It identifies your active disciplines and home clinic instantly.

Hopper Pass

Traveling or away from your home clinic? Your Hopper Pass covers up to 4 visits at any location across the network — care follows you.

Book direct

Schedule straight with your provider. No referrals, no gatekeepers, and no waiting on an insurer to clear a visit.

Manage & renew

Add or change disciplines and handle your $20 annual renewal right from the app. Add family members anytime.

Your network keeps growing

You're a member of six disciplines today — chiropractic, primary care, dental, behavioral health, acupuncture and massage — with vision, lab services and pharmacy discount programs being added to the network.

Get started

Let's find the right fit for you.

Reach out for more information, to schedule a presentation, or for a call to enroll. We'll walk you through every step.

Get in touch

We'll walk you
through every step.

Legacy Health Network has a dedicated employer onboarding team. We coordinate with your broker, payroll provider, and HSA administrator — so you don't have to manage it alone.

🌐
Website
healthpassbylegacy.com
📍
Headquarters
Nationwide  ·  Legacy Health Network
🏥
Network
Legacy Health Network  ·  ChiroFirst Alliance
For employers

A benefit your team
actually uses.

HealthPass gives your employees direct access to care at a predictable, fixed monthly cost — with none of the complexity, claims, or runaway premiums of traditional insurance. Offer it on its own or alongside your existing plan.

Talk to our team
Your bottom line

Offering it costs you nothing.
It pays you back.

When employees pay for HealthPass through a Section 125 cafeteria plan, their contributions come out pre-tax — which shrinks your payroll-tax base. You pocket your 7.65% FICA match on every one of those dollars. Run your numbers.

$
$

Tip: total contributions = number of enrolled employees × their monthly membership. Example: 15 employees on VIP Silver ($259) ≈ $3,885/mo.

Estimate · for illustration only · not a guarantee
Employee pre-tax contributions$46,620/yr
Your FICA match rate (SS + Medicare)7.65%
Monthly payroll-tax base reduction−$3,885
Your annual payroll-tax savings
$3,566
found money — at no cost to your business
Savings per month $297/mo
For context
Est. current monthly employer FICA$9,180
After HealthPass pre-tax deductions$8,883
Cost to offer HealthPass: $0 — employees fund their own memberships.

Estimate only. Savings = employee pre-tax HealthPass contributions × 7.65% employer FICA (6.2% Social Security up to the $184,500 wage base + 1.45% Medicare). Additional savings from federal/state unemployment tax and workers' comp may also apply. Section 125 treatment depends on plan setup and which benefits qualify. Not tax or legal advice — confirm with your benefits counsel or payroll provider.

Why employers choose HealthPass

01

Predictable cost

Fixed monthly membership pricing — no annual renewal shocks, no claims experience driving your rates.

02

Recruiting & retention

A tangible benefit employees use every month, not a high-deductible plan they avoid touching.

03

Section 125 friendly

Structured to be offered through a cafeteria plan so employees can pay with pre-tax dollars — lowering their cost and your payroll-tax base.

04

Works with ICHRA

Pairs cleanly with an ICHRA or stands alone — flexible enough to fit how you already structure benefits.

05

Simple administration

One membership, one monthly deduction. No claims processing, no third-party administrator headaches.

06

Real access

Same-day and direct scheduling across a growing multi-discipline network means fewer sick days and faster recovery.

How it works for your business

Step 1

Set up the offer

We help you add HealthPass to your benefits menu and, if you choose, a Section 125 cafeteria plan election.

Step 2

Payroll deduction

Employees who enroll pay their membership through pre-tax salary reduction, handled in your normal payroll run.

Step 3

They get care

Members walk into the network and use their benefits — you get a healthier team at a cost you can forecast.

Section 125 / cafeteria plan treatment depends on how your plan is established and which benefits qualify. We can connect you with the right documentation, but you should confirm plan design and tax treatment with your own benefits counsel or tax advisor.

Get started

Let's find the right fit for you.

Reach out for more information, to schedule a presentation, or for a call to enroll. We'll walk you through every step.

Get in touch

We'll walk you
through every step.

Legacy Health Network has a dedicated employer onboarding team. We coordinate with your broker, payroll provider, and HSA administrator — so you don't have to manage it alone.

🌐
Website
healthpassbylegacy.com
📍
Headquarters
Nationwide  ·  Legacy Health Network
🏥
Network
Legacy Health Network  ·  ChiroFirst Alliance
For employees

See what you
actually keep.

If your employer offers HealthPass through a Section 125 cafeteria plan, your membership comes out of your paycheck before taxes. That means you skip federal income tax, state income tax, and FICA on every dollar. Run your numbers below.

$
Estimate · for illustration only · not a guarantee
PackageVIP Silver
Membership cost$259/mo
Annual membership$3,108
Federal12%
State0%
FICA7.65%
Your estimated tax savings
$610
per year by paying pre-tax through your cafeteria plan
Effective cost after savings $208/mo
Your estimated net income
Gross income$65,000
Est. taxes (fed + state + FICA)−$14,871
Net take-home pay $50,129/yr
≈ $4,177 / month
After your HealthPass membership (pre-tax): ≈ $3,992 / month take-home

Estimate only. Savings = your annual membership × your combined marginal rate (federal + state + FICA). Actual savings depend on your full tax situation, plan design, and which benefits qualify for pre-tax treatment under your employer's Section 125 plan. This is not tax advice — confirm with your benefits administrator or a tax professional.

Get started

Let's find the right fit for you.

Reach out for more information, to schedule a presentation, or for a call to enroll. We'll walk you through every step.

Get in touch

We'll walk you
through every step.

Legacy Health Network has a dedicated employer onboarding team. We coordinate with your broker, payroll provider, and HSA administrator — so you don't have to manage it alone.

🌐
Website
healthpassbylegacy.com
📍
Headquarters
Nationwide  ·  Legacy Health Network
🏥
Network
Legacy Health Network  ·  ChiroFirst Alliance