Founding cohort · 2026
HSA-ready

Flat-fee healthcare with a real physician in your corner.

A direct-care membership for the uninsured, the self-employed, and anyone on a high-deductible plan. Predictable monthly cost, transparent cash prices, in-network routing, and a clinician you can text in minutes — not a portal ticket.

See plans How it works
40–60%
lower everyday healthcare spend
$0
most primary-care visits
<2 min
text a real physician
  • 40–60%average everyday healthcare savings
  • Founded bya physician entrepreneur
  • HSA-readyfor DPC contributions · 2026
  • Direct care· transparent pricing · no surprise bills

What’s included

The 90% of healthcare that isn’t a hospital — covered.

We focus on the care you actually use. Pair Blue Line Health Plan with a wraparound plan and your deductible stays intact until you really need it.

  • Comprehensive primary care

    Same-day visits, annual physicals, chronic-condition check-ins, and a real relationship with a physician who knows your history.

  • Urgent and sick visits

    Quick text-a-physician access, in-person urgent visits, and clear guidance on when escalating to the ER is actually the right call.

  • Labs and prescriptions

    Routine labs bundled; specialty labs and refills routed to in-network and transparent cash-pay options with prices quoted up front.

A bill, in plain language
Real members, real prices — what insurance quoting and cash pricing actually look like side-by-side.
ServiceTypical insuredWith Blue Line Health Plan
Primary care visit$35 copay$0 · included
Annual labs (CMP + lipids)$140 bill$28 cash
Generic prescription$15 copay$4 cash
Urgent sick visit$75 copay$0 · included
Specialist referralIn-network requiredCash prices shown up front

How it works

One membership. Three predictable moves.

  1. 01

    Join the membership

    Flat monthly fee — no deductible, no copays on covered visits, no surprise bills. Cancel anytime.

  2. 02

    Use Blue Line Health Plan for the day-to-day

    Text a physician in under 2 minutes. Get routed to in-network or cash prices that are quoted up front before you commit.

  3. 03

    Keep your HSA plan for the rest

    Your Bronze plan stays in the background — intact until a real emergency. HSA-ready DPC contributions coming 2026.

Who Blue Line Health Plan is for

Built for the people regular insurance wasn’t designed for.

Uninsured
Affordable primary care, urgent sick visits, refills, labs — without one big bill every time you walk in.

Best fit if you pay cash for healthcare today.

Self-employed · 1099
Popular
A real benefit that's actually useful — without a group-health quote. Pair with an HSA-eligible HDHP.

HSA-ready DPC contributions coming 2026.

High-deductible plans
Keep your Bronze or HDHP for the rare big event. Use Blue Line Health Plan for the 90% of care that doesn&rsquo;t need a hospital.

Deductible stays intact until it really counts.

Small businesses
Per-employee memberships for teams of any size — predictable cost, real care, no claim forms.

From 2-person shops to 50-person teams.

Membership

One predictable monthly bill.

No deductible. No copay at the door. The price on the menu is what you pay — every visit, every month.

Individual
Just you — a real physician, every visit covered.
$149/ month
  • Comprehensive primary care
  • Unlimited urgent sick visits
  • Chronic-condition check-ins
  • Routine labs bundled
  • Refills + cash-price routing
  • AI navigator · answers in plain language
Join the founding cohort
Family
Most members
Cover the whole crew — kids, spouse, grandparents welcome.
$329/ month
  • Everything in Individual
  • Covered for up to 4 members
  • Pediatric urgent care included
  • Family-wide physician access
  • Chronic-condition check-ins
  • AI navigator · answers in plain language
  • HSA-ready · 2026

Reserve a Family spot by emailing us: blueline-healthplan@polsia.app.

Small business
A real benefit for your crew — flat per head, no claims hassle.
Customper employee
  • Per-employee flat rate
  • Single billing, shared dashboard
  • Onboarding + group support
  • Chronic-condition check-ins
  • AI navigator · answers in plain language
  • Talk to us about founding pricing

Custom pricing for teams ships in the next cohort — write us at blueline-healthplan@polsia.app.

What you get

What’s included
Every membership covers the same six core services.
  • Comprehensive primary care
  • Urgent and sick visits
  • Chronic-condition check-ins
  • Routine labs, refills, and Rx coordination
  • AI navigator— answers in plain language, routes you to the right care
  • Text-a-physician line — replies in minutes, not portal tickets

What we don’t cover

What’s not included
Worth knowing upfront so the membership fits how it’s designed to.
  • Emergencies— go to the ER or call 911; the membership does not pay for emergency room or ambulance bills.
  • Specialty care— for now, we route you to in-network or transparent cash-pay specialists but do not bundle them.
  • Hospitalization— for inpatient stays and surgery, pair Blue Line Health Plan with a wraparound or HDHP plan so the deductible fires only when it really counts.

Pair it with a wraparound or HDHP plan and your big-event bills stay covered while everyday care runs through us.

Pricing is founding-cohort indicative. Final rates are confirmed when you join. HSA-ready DPC contributions expected as the regulatory pathway opens in 2026.

FAQ

Honest answers to the questions people actually ask.

Still on the fence? Write us — a real person on the founding team will reply.

blueline-healthplan@polsia.app

Founding cohort

Reserve a membership in the founding cohort.

We’re onboarding the first members in 2026. Drop us a note with how many people you’d be covering and we’ll get back with next steps within a business day.

Write to founding See membership

Direct line to a founding physician — blueline-healthplan@polsia.app