Health Access Cooperative
For peace of mind from catastrophic health events, the Health Access Cooperative offers flexible and affordable protection. It’s a common sense approach that puts you back in the drivers seat when it comes to your health.
Freedom to Choose Your Medical Providers
We have no networks, which means members can see the medical providers of their choosing, it’s that simple. We believe that you should pick your doctor, not an insurance company.
Affordability
True out-of-pocket costs are often significantly lower than insurance, especially for families.
Lower Cost of Care
Our members are considered self-pay, which most often means the cost of medical services are discounted and a lot less than an insurer’s “negotiated rate.” We strive to pay providers in advance whenever possible, so members get the best care hassle-free, at the lowest cost.
Reasonable Member Portion
Our unique per-incident member portion means a single medical event doesn’t bankrupt your budget.
Lower Monthly Cost
Member ownership of the Cooperative means lower overhead and no profit motive. We collect only what we need to meet our members’ needs and reserve for future costs.
Right For You?
Co-op Direct is not for everyone. Please review important details and limitations in the Co-op Direct brochure or detailed Co-op Direct Member Booklet below.