Atlas.Direct - Pricing

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Our Pricing

The table below shows Atlas Direct’s monthly premiums per covered person for adult applicants aged 18-64 as well as for dependent children aged 0-25 who are covered under a parent’s policy. Adult premiums are based on attained age (age at last birthday) and increase as the covered person moves into the next-higher age band. The rate for dependent children is $60 per month per child for each of the first three children and $0 per month for each additional child after the third child.

Premiums may vary by state. Children covered under a parent’s policy are automatically considered to be dependents if they are less than 26 years of age. Starting at age 26, they must apply for their own adult coverage unless they qualify for continued dependent coverage due to a permanent disability, subject to policy terms and applicable law. 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.

Individual Examples

Tanya the Teacher

Tanya is a 29-year-old schoolteacher. Her Atlas Direct premium would be $160 per month in most states.

Henry the Coach

Henry is a 49-year-old football coach. His Atlas Direct premium would be $175 per month in most states.

Candice the Captain

Candice is a 58-year-old police captain. Her Atlas Direct premium would be $285 per month in most states.

Family Examples

Jackie and John

Jackie and John are a married couple in their late 30s who have two teenagers named Jennifer and Jasper. Their Atlas Direct premium would be $445 per month in most states (= $205 for Jackie + $120 for John + $60 for Jennifer + $60 for Jasper).

Karla and Kids

Karla is a 36-year-old single mom raising three boys named Kenneth, Kingston, and Kyle who are all in elementary school. Her monthly premium for Atlas Direct coverage for herself and her three kids would be $385 per month in most states (= $205 for herself + $60 for Kenneth + $60 for Kingston + $60 for Kyle).

Any Questions? Contact Us!

We are more than happy to answer any questions that you may have about Atlas Direct. You can connect with us immediately using live chat. Also feel free to call us at 316-234-1309 or email us at hello@atlas.direct.

For complete details about benefits, eligibility, limitations and exclusions, please see the Atlas Direct Brochure.

For a personalized quote, 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.