Health Access for Groups
Healthcare for Groups
Ideal for employers exploring alternatives to traditional insurance. This option adds no-cost and low-cost options with Preventive and Health Access Cooperative while still offering traditional health plans for those that need it. RALAN Health has partnered with Health Access Solutions (HAS) to offer a powerful bundle of affordable options.
A Three-Part Customizable Benefit
Health Access Preventive (for everyone)
Health Access Cooperative
Traditional Health Plan add-on, if needed
2. Health Access Cooperative (Co-op)
If traditional health insurance feels expensive, complicated, or restrictive, there’s another way to approach healthcare costs. Health Access Solutions Cooperative is a community-driven membership model designed to help cover significant, unexpected medical expenses without the constraints of conventional insurance.
The HAS Co-op community empowers members through transparency, flexibility, and shared responsibility - creating a smarter, more efficient way to manage healthcare spending.
With the Co-Op, members benefit from:
A more affordable alternative to traditional insurance (often up to 50–60% lower monthly cost)
Per incident deductibles as low as $1000 for a big health incident
No networks (keep your doctor)
Reduced out-of-pocket exposure when facing illness or injury
Personalized support from experienced healthcare advocates
Use your Co-Op Membership for:
Emergency room visits
Hospital stays
Surgeries and procedures
Maternity care (prenatal, delivery, and postnatal)
Specialist visits for major diagnoses
Injuries requiring ongoing treatment
Other eligible large, unexpected medical expenses
Discount prescription service
Health Access Cooperative Dental add-on (click HERE for more information)
*The HAS Cooperative is not traditional insurance
3. Traditional Plans - ICHRA
A traditional insurance, ACA-compliant option is available to add for those who feel they need extra protection based on their own health situations. We will help you choose what’s best for your entire family or individual family members through an Individual Coverage HRA (ICHRA) plan.
Add-on for higher need individuals
Choice of any individual plan
Reimburses Medicare Premiums
1. Health Access Preventive - EAP
All eligible employees and families can receive at no cost:
3 In-Person Wellness Doctor Visits (keep your doctor)
Basic Wellness
Mental Health & Substance Counseling
Low-Cost Prescriptions
Physical Health & Fitness
Dental Cleanings
Vision Screening
Nutritional Health
Tobacco Cessation
Direct Primary Care (optional) - see info below
Click HERE for the HAS Preventive Brochure
Direct Primary Care (via EAP)
The Preventive reimburses a large portion of your monthly DPC Membership fee for those that choose this add-on. If you’re tired of rushed appointments, surprise bills, and insurance red tape, Direct Primary Care offers a better experience. DPC is a membership-based model that gives you unlimited access to your primary care physician for a simple, predictable monthly fee.
Instead of billing insurance, your doctor works directly for you - providing personalized, relationship-driven care focused on prevention, accessibility, and long-term health.
With Direct Primary Care, members enjoy:
Unlimited office visits with little to no wait times
Direct access to your DPC doctor via phone, text, or email
Longer appointment times (often 30–60 minutes)
Transparent, flat monthly pricing (typically $60–$100 per adult)
Discounted labs, imaging, and generic medications
A proactive, prevention-first approach to care
Look for a DPC nearest you in the DPC national directory.