For many Americans, having health insurance does not necessarily mean being able to afford a trip to the doctor.
In Georgia, the stakes are growing. Georgia Access enrollment dropped by roughly 200,000 people from 2025 to 2026, a 14 percent decrease according to Healthy Future Georgia. Meanwhile, out-of-pocket premium costs for Georgians who kept coverage rose by an average of 114 percent, with the average net monthly premium increasing from $69 to $148. An estimated 460,000 Georgians could lose Georgia Access coverage and become uninsured between 2025 and 2034.
Against that backdrop, a new healthcare membership platform is offering Metro Atlanta residents another way to access routine care.
OffPlan, which officially launched Sept. 1, provides members who are not eligible for Medicare with direct access to primary care for a predictable monthly fee. The membership is currently available in metro Atlanta, with participating physicians in Fulton, DeKalb, Cobb and Forsyth counties. Eligible consumers can enroll in the OffPlan membership at any time of year. However, people who want to pair the membership with certain insurance options may need a qualifying life event or wait for open enrollment, which Fernandez said begins Nov. 8.
The idea behind OffPlan is simple: Separate everyday healthcare from insurance designed to protect people from major medical emergencies.
“Having insurance does not necessarily mean having access to care,” Fernandez said.
The company estimates that about 80 percent of the healthcare people use each year is predictable, including routine visits, medication refills, basic labs and chronic care management. Instead of processing those services through traditional insurance, OffPlan offers unlimited primary care through a monthly membership while insurance can remain in place for major and unexpected medical events.
For individuals, the membership costs $145 per month for adults 18 and older and $70 per month for eligible children. While members pay a monthly membership fee, there are no copays or deductibles for OffPlan services, a distinction Fernandez said is central to making the cost of routine care more predictable.
“There’s no copay, there’s no deductible,” Fernandez said. “We are a monthly predictable membership with no copays, no deductibles, no bills.”
Members receive unlimited non-emergency primary care, including in-person and video visits, same-day or next-day appointments, and chronic care management. They can also text, call or message their doctor. A member of the concierge team helps coordinate appointments with specialists and imaging providers and provides transparent cash pricing for services outside primary care.
The membership is designed for a wide range of people, including individuals, families, children and small business owners. Eligibility is based primarily on Medicare status. OffPlan is designed for people who are not eligible for Medicare. That means OffPlan is generally available to people younger than 65 who are not Medicare eligible, although some people qualify for Medicare before age 65.
“Anyone up to the age of 65 on average, or Medicare-eligible age, can be an OffPlan member,” Fernandez said.
For Fernandez, the problem OffPlan is trying to solve is bigger than the cost of insurance. It is also about what happens when people delay care because they are worried about the bill or cannot get an appointment quickly enough.
“People really shouldn’t have to wonder what a routine appointment will cost, or wait weeks to see a physician, or, God forbid, avoid care until a manageable condition becomes something much more serious,” he said.
OffPlan is not insurance, and the company recommends pairing its everyday care membership with protection for major and unexpected medical events. Its founders hope the model gives people something many feel they are increasingly missing from the healthcare system: a doctor they can actually afford to see.
As healthcare costs continue to climb, OffPlan is betting that for many Metro Atlantans, the question is no longer simply whether they have insurance.
It is whether they can actually use it when they need care.
