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A MODEL FOR SUCCESS

Partnerships between doctors, members, businesses, and social service organizations result in cost-savings and improved health outcomes

The Access C3 Plan

C3 stands for Choice, Challenge, and Change

Because our financing arrangement 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.

Plan Details

We've been offering this program successfully since 1999.

The model for our Access C3 Health Plan is a community-supported multi-share. One of the ways we keep costs low is by requiring members to participate in health-related activities that promote accountability and improve health outcomes.

In addition to benefiting individuals, our innovative model has advantages for providers, hospitals, and the entire community:

  • A highly coordinated, integrated provider delivery system
  • Collaboration of community health and financial resources
  • Transparency of data and technology systems
  • Enhanced population health management. For example, our model has a proven to lower cost drivers, like chronic disease, in our served population.
  • A reduction in charitable care and bad debt costs to hospitals. 

Sustainable Solutions that Change Lives

To ensure that vulnerable patients have the support they need to address personal barriers to success, we perform a comprehensive health risk assessment for everyone on our plan, which includes an evaluation of the underlying Social Determinant of Health factors that can have a big impact on a person’s physical health.

Social Determinants of Health (SDoH)

These are factors that have a major impact on a person’s health, well-being, and quality of life. SDoH factors include:

  • Safe housing, transportation, and neighborhoods
  • Racism, discrimination, and violence
  • Education, job opportunities, and income
  • Access to nutritious foods and physical activity opportunities
  • Polluted air and water
  • Language and literacy skills




from Healthy People 2030, the Office of Disease Prevention and Health Promotion

U.S. Department of Health and Human Services

Access C3 Health Plan Features

  • Better Care
  • Better Heath
  • Better Bottom Line
  • An Essential Bridge
    Muskegon community stakeholders created the the multi-share model in 1999 to provide access to affordable health care for low-income workers who don't qualify for Medicaid but can't afford traditional medical coverage.

    Our plan is designed to be a bridge between the two.
  • Robust Coverage
    We aren’t a “skinny” plan. In fact, the Access C3 Health plan was the first in the nation to be certified as Minimum Essential Coverage.

    Our plan also includes individual coaching and education to engage members, support wellness and promote economic self-sufficiency.
  • Community Impact
    Local care providers and hospitals, small businesses, and members all share plan costs.

    The impact of our program is not only healthier individuals, but also a healthier, more vibrant community stimulated by businesses re-engaging the workforce.
Our History of Innovation

Expanding Our Impact

Our multi-share model works — and we’re ready to replicate!

The success of our model inspired Michigan Congressman Bill Huizenga to introduce a bill that would expand affordable health coverage to more small businesses and their workers.

We’re seeking like-minded communities and health systems that are interested in joining our effort to deliver affordable, life-changing health care!

Get involved