AI-native, PCP-centered approach breaks down barriers to quality care for individuals and families nationwide, while helping employers manage costs
SAN FRANCISCO–(BUSINESS WIRE)–Included Health, a new kind of healthcare company delivering personalized all-in-one healthcare to millions of people nationwide, today introduced a modern health plan design intended to guide members to high-quality, cost effective care with AI-powered engagement, transparent pricing, and support from expert clinicians and care teams. Working with employers and other purchasers of health insurance, the new design puts high-quality primary care back at the center of the healthcare experience, beginning with a comprehensive well-being consult and coordinated plan to support members’ evolving and complex health needs across virtual and in-person settings.
“After years of unmet promises from the old models, this new approach is about putting people on a trusted path — supporting the whole person across mind, body, and wallet, with personalized guidance and no surprises,” said Owen Tripp, co-founder and CEO of Included Health. “The plan design is a win-win for people struggling to navigate quality and cost complexity, and for employers facing the highest increase in healthcare costs in 15 years. It gives people not only a doctor they trust, but a care delivery model and support system to call upon for fast, accurate answers and action, aligned to quality across all settings, their network, and their benefits.”
For more than a decade, Included Health has helped millions of people nationwide navigate everything from everyday health needs to complex care decisions. Adding plan and network design to Included Health’s deep expertise in care delivery, navigation, and AI will accelerate the company’s ability to make modern, integrated, longitudinal care the new standard in American healthcare.
A Simpler Healthcare Experience, Guided by AI, Centered in Primary Care
Built on Included Health’s All-Included-Care™ platform, the new alternative plan design brings together a curated, nationwide network of providers spanning virtual and in-person settings, including Included Health’s extensive team of primary care providers (PCPs), mental health professionals, clinical navigators, care coordinators, and AI-powered personalized guidance. With this combined approach, Included Health supports the full spectrum of healthcare needs with a 24/7, AI-native, clinician-in-the loop experience that helps members get personalized answers quickly, find high-quality care with confidence, and avoid unnecessary costs and low-value services.
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The Plan Experience |
What it Means for Members |
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Copay-First Plan |
Predictable upfront costs give members confidence to get care — without financial uncertainty or surprise bills |
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PCP-Centered Engagement |
High-quality primary care surrounds members with always-on support, addressing health needs early while creating new and incentivized opportunities for care team connection |
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Clinician-Led, AI-Powered |
Clinically-led, AI-enabled guidance gets members to the right care based on their needs, while optimizing for cost and access |
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AI-Native, Human-in-the-Loop |
24/7 AI-powered support (Dot by Included Health) backed by nationwide network of clinicians and care advocates, delivers members immediate answers or smooth handoffs to the right expert when needed |
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Connected Virtual and In-Person Care |
Members have flexibility and visibility into care options across virtual and in-person settings nationwide that span the full spectrum of care needs – from common, urgent care to highly complex care journeys |
Re-Engaging People in Primary Care
At the center of the new experience is a reimagined well-being consult, an extended primary care appointment designed to serve as members’ starting point in the plan. This in-depth, comprehensive consult establishes a trusted foundation, giving members the time and space to ask questions, understand their benefits, and begin a relationship with a provider who will support them over time. From day one, the consult functions as an on-ramp to ongoing, personalized, and coordinated health — powered by always-on AI engagement (Dot by Included Health) and connected to live clinical experts nationwide, as well as in-person local providers and services. Together, this model gives members flexibility and clear visibility into their care options across settings, while ensuring guidance remains aligned with their network benefits and evolving health needs.
“This approach starts with a commitment to primary care as both the entry point and ongoing hub for coordination, trust, and discovery,” said Ami Parekh, MD, chief health officer at Included Health. “For too long, primary care has been treated as a once-a-year checkup, disconnected from people’s day-to-day health needs and experiences. The plan design reimagines the care delivery and health plan model to build stronger, continuous connections that consistently engage and guide people to quality care, fully aligned with their network and benefits. This is about delivering an experience that brings differentiated, new, and overdue value to people and purchasers.”
Designed to Improve Outcomes and Make Costs More Predictable
While nearly 41% of employers are considering or planning to adopt alternative plan design features, many current options still fall short — failing to deliver the coordinated, high-quality, and affordable care needed to improve the member experience, drive better outcomes, and manage rising costs.
Included Health’s plan design is built to improve outcomes by changing how care decisions are made from the start and at pivotal care moments. By anchoring the experience in primary care, building provider networks around quality of care, and guiding members through both virtual and in-person care, the plan helps reduce avoidable utilization, improve engagement, and make healthcare spend more predictable, without adding complexity to existing benefits offerings.
Included Health’s modern health plan design is now live in the large self-insured employer space, with broader availability to large employers and other purchasers of health insurance beginning in the 2027 plan year. Visit includedhealth.com/alternative for more information.
About Included Health
Included Health is a new kind of healthcare company that delivers personalized all-in-one healthcare to millions of people nationwide. We provide healthcare access, answers, and advocacy through a modern experience designed to treat people better — mind, body, and wallet. It’s all included: comprehensive virtual and in-person care, system-wide navigation and care coordination, and 24/7 support for every clinical and administrative need. Our members see better doctors, experience better outcomes, and have more healthy days, all at lower cost. Learn more at includedhealth.com.
Contacts
Lara Key
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