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A $72/month ALTERNATIVE TO TRADITIONAL INSURANCE.

  • Full health coverage
  • No deductibles
  • Low max out-of-pocket
  • All from a local business 

Introducing the Access C3 Health Plan

C3 stands for Choice, Challenge, and Change

Access Health covers your employees just like traditional health insurance, but we offer so much more, like no-cost health coaches and health education classes so your team is happy and healthy on the job.

Access Health is available to employees of local businesses, and because our funding model combines resources from community stakeholders with a vested interest in community health – including care providers, hospitals, and businesses – members only pay 30% of the premiums, allowing us to keep our monthly fees locked in at $72 per month.

Learn more about our health care coverage features and benefits below or schedule a free consultation with our Muskegon Team!

We offer two health plan options that have the same benefits coverage. The difference is the health activity options for members enrolled in each plan.

Our Enhanced Plan offers a no-cost health coach and no-cost health education courses to help you stay healthy and keep your coverage costs as low as possible.

We also offer a Basic Plan without a health coach and education courses.

Schedule a Free Consultation

Plan Features

for both Enhanced and Standard Plans

  • $0 Deductible; $0 copays for preventive services
  • $10 office copay, $300 max copay for hospitalization
  • Coordination with other community health resources
  • Access to health education, including chronic disease management
  • Annual limit on out-of-pocket costs
  • Coverage for out-of-network services and treatment
  • Lower premiums for members who participate in our Continuous Health Improvement (CHI) program
Benefits Summary [PDF]

General Eligibility Guidelines

The best way to find out if you are eligible for our program is to contact us at (231) 728-5180. If you are not eligible, we will help connect you to other coverage options.

 Summary of Eligibility:
 
  • Individuals must live or work in the Greater Muskegon area.
  • Individuals cannot be eligible to receive coverage through any other source including Medicaid, Medicare, or employer-sponsored coverage through themselves, their spouse, or their parents, with the exception of coverage available through the health exchange.
  • Individuals must fall within the following annual household income levels based on the number of people in the home:
    • 1 person household annual income max: $52,710
    • 2 person household annual income max: $71,540
    • 3 person household annual income max: $90,370
    • 4 person household annual income max: $109,200
    • 5 person household annual income max: $128,030
    • 6 person household annual income max: $146,860
    • 7 person household annual income max: $165,690
    • 8 person household annual income max: $184,520
  • Individuals must be US Citizens or have been a Lawful Permanent Resident for a minimum of 5 years.

We have been providing full medical coverage at one-third of the cost of traditional insurance since 1999.
And in that time, the cost of health coverage through our plan has increased less than 1% per year.

How does the health coverage plan work?

Sharing Costs & Benefits

Our multi-share funding structure combines resources from community stakeholders with a vested interest in community health, including hospitals, businesses, and members. Combined with improved individual health, this structure helps sustain coverage affordability.

Our Multi-Share Model

Promoting Accountability & Better Health

Our Enhanced Plan's Continuous Health Improvement (CHI) program fosters accountability and personal responsibility. Members are required to meet with a health coach and participate in educational curriculum that targets issues like financial literacy, health literacy, and healthy eating.

CHI Program

Removing Barriers & Saving Money

To help members reach realistic health goals, we address underlying Social Determinant of Health factors that impact physical health. We also work to coordinate care with other community health resources. Improved health means lower plan costs.

Population Health

Do you own a small business in the Muskegon area?

Contact us to find out if you are eligible to offer our Access C3 Health Plan to your workers.

Learn more
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