Are you a business owner worried about skyrocketing benefits costs?
Let’s Fix That!
More Benefits. Fewer Headaches.
Atlas Direct can be part of your efforts to rein in healthcare spending while continuing to provide health benefits that are both highly competitive and fully compliant.
Association Sponsored & Individually Issued
Atlas Direct is an association health plan sponsored by the Direct Care Foundation. Individuals—including you and your employees—must join the Direct Care Foundation to be eligible to apply for Atlas Direct insurance coverage, which requires underwriting in all the states where it is available.
If approved for coverage, monthly Atlas Direct insurance premiums may be paid by either the employee or the employer, thereby giving employers the opportunity to cover the cost of Atlas Direct on behalf of their employees.
Help for Firms of All Sizes
Whether you're the owner of a small business or the CEO of a major company, Atlas Direct gives you access to a supplemental insurance product that was specifically designed to leverage the cost savings and quality improvements generated by Direct Primary Care.
Flexible Cost Sharing
Atlas Direct is designed to work equally well with either employer-paid or employee-paid Direct Primary Care—thereby giving you more options with respect to obtaining the health benefits and costs savings generated by Direct Primary Care.
Straightforward Pricing
Each covered person is charged a monthly premium based on age and sex, with the total premium for multiple individuals equal to the sum of their individual premiums.
The table below shows how much Atlas Direct’s insurance plan costs per person per month in most states. These prices are for Atlas Direct coverage only. DPC services must be purchased separately from a Direct Primary Care doctor or clinic.
Our Pricing
The table below show’s Atlas Direct’s monthly premiums per covered person.
Premiums may vary by state, are based on attained age (age at last birthday), and will increase when you move into the next-higher age range. Atlas Direct is not available in all states. Please click here to get a custom quote and see whether Atlas Direct is available in your state.
Start Any Time
Individuals can join the Direct Care Foundation and apply for Atlas Direct any day of the year. If approved, they can start their coverage as soon as the first day of the upcoming month. There is no need for them to wait for an annual open-enrollment period or for their employer to redesign an entire health-benefits package. This flexibility may be particularly helpful for employees searching for a supplemental insurance product to help cover the deductibles and copays of a major medical plan.
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Cost Comparisons
As a limited-benefit supplemental insurance product, Atlas Direct costs substantially less per individual or family than comprehensive major medical coverage.
The difference can be seen in the table below, which compares the average annual premium for Atlas Direct coverage with the national average cost of major medical coverage, as reported by KFF’s 2024 Employer Health Benefits Survey.
| Coverage Type | Major Medical | Atlas Direct |
|---|---|---|
| Individual Coverage | $8,951* | $2,130† |
| Family Coverage | $25,572* | $5,340‡ |
* KFF, 2024 Employer Health Benefits Survey. † Equals 12 times the average monthly Atlas Direct premium in most states for 40- to 44-year-old individuals, assuming 50 percent male and 50 percent female. ‡ Equals 12 times the monthly combined individual Atlas Direct premiums in most states for a family of four consisting of two parents aged 35-39 and two children aged 19 or younger.
Help Finding DPC Providers
We can help you find Direct Primary Care providers for your employees or yourself as well as getting everybody started with Atlas Direct insurance. Contact us today via live chat, by phone at 316-234-1309, or by email at hello@atlas.direct.
Contact UsEmployer Examples
Edison Lightbulb Company
The Edison Lightbulb Company has 119 employees, ranging in age from 18 to 63 years old. The cost for the company to purchase Atlas Direct for those 119 employees is simply the sum of their respective individual Atlas Direct premium amounts.
Advanced Distribution LLC
Advanced Distribution LLC is interested in offering Atlas Direct as a benefit that its employees would fund for themselves and their families. The employees’ monthly premiums would exactly equal the Atlas Direct premiums that they would pay for themselves and their families if they enrolled in Atlas Direct by themselves, independently of their employer.
If you are an employer interested in Atlas Direct, please contact us today via live chat, by phone at 316-234-1309, or by email at hello@atlas.direct.
For complete details about benefits, eligibility, limitations and exclusions, please see the Atlas Direct brochure.
For a personalized quote from Atlas Direct, please click here.
The insurance policy advertised on this website offers limited health benefit coverage and is a supplement to, rather than a replacement for, comprehensive major medical insurance coverage. It is designed to provide benefits at preselected, fixed dollar amounts for covered diagnoses. This limited benefit coverage does not satisfy the minimum essential coverage requirements of the Affordable Care Act. Coverage is not available to insureds age 65 or over.
The policy is a group fixed-indemnity plan that is underwritten by Pan-American Life Insurance Company, 601 Poydras Street, New Orleans, LA 70130 under policy form G-NHI23-P. The policy has exclusions and limitations. Coverage and plan options may vary or may not be available in all states. Refer to the policy and certificate of coverage for complete terms and conditions. Premiums may vary by state. Get a quote to see your premiums. Underwriting approval is required to purchase coverage.
The Direct Care Foundation is the policyholder and membership in the Direct Care Foundation is required for eligibility to buy this coverage.
Atlas Direct Agency LLC (ADA) is a licensed insurance agency (Nevada #4005774) appointed by Pan-American Life Insurance Company. The purpose of the material on this website is the solicitation of insurance. An insurance agent may contact you. Insurance quotes are provided by ADA.
Atlas Direct is a service mark of ADA.
This website and its contents are a resource that is for informational purposes only and reflect information available at the time of publication. This information is not a guarantee of rates, coverage, or benefit levels. Nothing on this site changes or overrides any terms of insurance policies issued by Pan-American Life Insurance Company. If there is any conflict between the information provided here and the terms of a policy, the policy terms will take precedence.
The Omnibus Budget Reconciliation Act of 2026 revised the rules governing health savings accounts (HSAs) in ways that allow them to be used to pay for direct primary care (DPC) monthly membership fees. The new rules still impose important limitations on the use of HSA funds and require regulations or guidance to be issued in the future. The premiums paid for the Atlas Direct insurance program do not qualify as an eligible HSA expense.
The material on this website has been prepared for informational purposes only and is not intended to provide, and should not be relied on, for tax, legal or accounting advice. Employees and employers should consult their own tax, legal and accounting advisors before engaging in any transaction. Atlas Direct cannot guarantee a favorable tax outcome in all situations as federal and state laws are continuously changing. The benefits paid on this program may be taxable income.
This website contains wording that was created by Atlas Direct Agency LLC. All contents of this website are © Atlas Direct Agency LLC, 2026. All Rights Reserved.