{"id":65,"date":"2026-05-29T13:40:03","date_gmt":"2026-05-29T17:40:03","guid":{"rendered":"http:\/\/offplan.network\/?page_id=65"},"modified":"2026-08-28T12:51:29","modified_gmt":"2026-08-28T16:51:29","slug":"hdhp","status":"publish","type":"page","link":"http:\/\/offplancare.com\/es\/business\/employers\/hdhp\/","title":{"rendered":"HDHP"},"content":{"rendered":"<section class=\"hero-slim bg-op-navy-gradient text-white py-5\">\n\t<div class=\"container py-5\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-8 offset-lg-2 text-center\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white\">Fully Insured Employers with HDHP<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h1 class=\"display-5 fw-medium text-balance mb-4\">Keep your current carrier and HSA plan. Add OffPlan underneath it for the care employees actually use.<\/h1>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n<section class=\"py-lg-6\"><div class=\"container\">\n\n\t<div class=\"row g-4 g-lg-5 align-items-center\">\n\t\t<div class=\"col-12 col-lg-5 reveal reveal-left text-center text-md-end\">\n\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy mb-0 text-balance pe-lg-4\">Make your HDHP actually work.<\/h2>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t<div class=\"col-12 col-lg-7 reveal reveal-right orange-separator\">\n\t\t\t\t\t\t\t<div class=\"ps-lg-4\">\t\t\t\t\t<div class=\"two-col-header-body lead\"><p>Most employees with an HDHP feel uninsured until something major happens. The deductible is high. Routine visits feel out of pocket. Specialty referrals are chaotic. The plan technically exists but is rarely used the way it was supposed to be. OffPlan fixes that without changing your carrier, your network, or your funding structure.<\/p>\n<\/div>\n\t\t\t\t<\/div>\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t\n<\/div>\n<\/section>\n\n<div id=\"the-hdhp-problem\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">The HDHP Problem<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">The plan technically exists. It is rarely used.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">Employees feel uninsured until something major happens.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-5 align-items-start reveal reveal-up\">\n\t\t\t<div class=\"col-12 col-lg-6\"><div class=\"offplan-paired-body offplan-paired-plain\"><p>You moved to a high-deductible plan because the premiums were sustainable. Most employers with 5 to 250 employees did the same thing for the same reason.<\/p>\n<p><strong>The math worked on the spreadsheet.<\/strong><\/p>\n<p>The deductible was supposed to make employees better consumers of healthcare. In practice it makes them avoiders of healthcare. The plan that was supposed to protect them becomes the plan they cannot afford to use.<\/p>\n<\/div><\/div><div class=\"col-12 col-lg-6\"><div class=\"offplan-paired-body offplan-paired-plain\"><ul>\n<li>Employees skip the primary care visit because of the deductible<\/li>\n<li>Small problems become bigger problems six months later<\/li>\n<li>Urgent care becomes the default for issues a doctor should have caught<\/li>\n<li>Chronic conditions go unmanaged because there is no relationship with a physician<\/li>\n<li>The ER becomes the path of least resistance when something finally breaks<\/li>\n<\/ul>\n<\/div><\/div>\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"how-it-fits\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2\">How it Fits<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-white text-balance mb-3\">OffPlan goes underneath your existing plan.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\"><em>Two layers. Each one does what it was actually built for.<\/em><\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\n\t\t\t<div class=\"row g-4 offplan-card-grid justify-content-center reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2\">Layer 1 \u00b7 Existing Plan<\/p>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-white\">Your HDHP, unchanged.<\/span><\/h3>\n\t\t\t\t\t\t<p>Your current carrier. Your current network. Your current renewal cycle. Your current broker. The HDHP continues to do what HDHPs do well: <strong>protect against major events.<\/strong><\/p>\n<ul>\n<li>Hospitalization and ICU<\/li>\n<li>Major surgery<\/li>\n<li>Cancer treatment and chronic complex care<\/li>\n<li>HSA-qualified plan design preserved<\/li>\n<\/ul>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-outline p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2\">Layer 2 \u00b7 OffPlan<\/p>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-white\">The care layer underneath.<\/span><\/h3>\n\t\t\t\t\t\t<p>A direct primary care membership and care navigation platform that handles the 80% of healthcare employees actually use day to day. <strong>No claim filed. No deductible applied. No surprise bill.<\/strong><\/p>\n<ul>\n<li>Unlimited primary care visits<\/li>\n<li>Same-day and next-day access<\/li>\n<li>Chronic care management<\/li>\n<li>Curated specialty access at transparent cash-pay rates<\/li>\n<\/ul>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"offplan-section-note text-white text-center mt-5 reveal reveal-up\">\n\t\t\t<p>Keep the insurance. Replace the everyday care experience underneath it.<\/p>\n\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"the-employee-experience\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t\t<div class=\"row g-5 align-items-start\">\n\t\t\t<div class=\"col-12 col-lg-4 reveal reveal-left\">\n\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">The Employee Experience<\/p><h2 class=\"display-5 fw-bold text-op-navy text-balance mb-4 reveal reveal-up\">What changes for the people on the plan.<\/h2><p class=\"lead mb-0 reveal reveal-up\">Your CFO and HR team eventually have to explain this to employees. Here is what to say. The HDHP and HSA stay exactly as they are for hospital and major events. Everything else gets noticeably better.<\/p>\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-8 reveal reveal-right\">\n\t\n\t\n\t\t<!-- Desktop table -->\n\t\t<div class=\"table-responsive d-none d-lg-block reveal reveal-up\">\n\t\t\t<table class=\"table table-bordered align-middle mb-0 offplan-comparison-table\">\n\t\t\t\t<thead>\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 bg-op-navy text-white\" scope=\"col\" style=\"width:34%\">Experience<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 bg-op-navy text-white\" scope=\"col\" style=\"width:33%\">\n\t\t\t\t\t\t\t\tToday\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 bg-op-navy text-white\" scope=\"col\" style=\"width:33%\">\n\t\t\t\t\t\t\t\tWith OffPlan\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t<\/thead>\n\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 text-op-navy\" scope=\"row\">Routine sick visit<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWait two weeks. Pay toward the deductible. Probably skip it.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSame-day visit. <strong>$0 out of pocket.<\/strong> No claim filed.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"offplan-comparison-row-alt\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 text-op-navy\" scope=\"row\">Chronic condition follow-up<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t12-minute appointment. Different doctor each time.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t45-minute visit with a physician who knows the patient.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 text-op-navy\" scope=\"row\">After-hours need<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tUrgent care or ER. $150 to $2,500 toward the deductible.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDirect line to the OffPlan physician. <strong>No deductible applied.<\/strong>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"offplan-comparison-row-alt\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 text-op-navy\" scope=\"row\">Specialist referral<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFind one in network. Wait six weeks. Pay toward the deductible.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOffPlan coordinates a curated specialist at a transparent cash-pay rate.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th class=\"p-4 text-op-navy\" scope=\"row\">Hospital or major event<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHDHP and HSA cover it as designed.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"p-4   text-secondary\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHDHP and HSA cover it as designed. <strong>No change.<\/strong>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\n\t\t<!-- Mobile carousel -->\n\t\t\t\t\t<div class=\"d-lg-none reveal-stagger\" data-offplan-carousel data-reveal-stagger=\"70\" data-reveal-stagger-children=\".offplan-comparison-carousel-card\">\n\t\t\t\t<div class=\"offplan-comparison-carousel-viewport\" tabindex=\"0\" aria-label=\"Employee Experience comparison cards\">\n\t\t\t\t\t<div class=\"offplan-comparison-carousel-track\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h5 fw-bold text-op-navy mb-4\">Routine sick visit<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Today<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tWait two weeks. Pay toward the deductible. Probably skip it.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">With OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSame-day visit. <strong>$0 out of pocket.<\/strong> No claim filed.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h5 fw-bold text-op-navy mb-4\">Chronic condition follow-up<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Today<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t12-minute appointment. Different doctor each time.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">With OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t45-minute visit with a physician who knows the patient.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h5 fw-bold text-op-navy mb-4\">After-hours need<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Today<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tUrgent care or ER. $150 to $2,500 toward the deductible.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">With OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDirect line to the OffPlan physician. <strong>No deductible applied.<\/strong>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h5 fw-bold text-op-navy mb-4\">Specialist referral<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Today<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFind one in network. Wait six weeks. Pay toward the deductible.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">With OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tOffPlan coordinates a curated specialist at a transparent cash-pay rate.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-comparison-carousel-card border rounded-3 p-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h5 fw-bold text-op-navy mb-4\">Hospital or major event<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">Today<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHDHP and HSA cover it as designed.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"small fw-bold text-uppercase text-secondary mb-1\">With OffPlan<\/p>\n\t\t\t\t\t\t\t\t\t<p class=\"mb-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tHDHP and HSA cover it as designed. <strong>No change.<\/strong>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"offplan-comparison-carousel-nav mt-4\">\n\t\t\t\t\t<div class=\"btn-group offplan-comparison-carousel-pill\" role=\"group\" aria-label=\"Employee Experience carousel controls\">\n\t\t\t\t\t\t<button class=\"btn btn-outline-primary\" type=\"button\" data-offplan-carousel-prev aria-label=\"Previous card\">&lt;&lt;<\/button>\n\t\t\t\t\t\t<span class=\"btn btn-outline-primary disabled offplan-comparison-carousel-status\" data-offplan-carousel-status aria-live=\"polite\" aria-disabled=\"true\">1 of 5<\/span>\n\t\t\t\t\t\t<button class=\"btn btn-outline-primary\" type=\"button\" data-offplan-carousel-next aria-label=\"Next card\">&gt;&gt;<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\n\t\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"hsa-strategy\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">HSA Strategy for 2026<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">HSA + DPC now work together.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">For years, federal rules made it difficult to combine an HSA-qualified HDHP with a direct primary care membership without disqualifying the HSA. The 2026 rule change removes that barrier. Your employees can keep contributing to their HSA while their employer adds OffPlan underneath the plan.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\n\t\t\t<div class=\"row g-4 offplan-card-grid justify-content-center reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">HSA eligibility preserved<\/span><\/h3>\n\t\t\t\t\t\t<p>Employees remain in an HSA-compatible HDHP while participating in a qualifying DPC arrangement. The structure that made tax-advantaged contributions possible stays intact.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">HSA dollars may apply<\/span><\/h3>\n\t\t\t\t\t\t<p>Under the new federal rule, DPC membership fees can be paid from HSA dollars up to <strong>$150 per month for individual coverage<\/strong> and <strong>$300 per month for family coverage.<\/strong><\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">Funding flexibility<\/span><\/h3>\n\t\t\t\t\t\t<p>Employers can fund OffPlan as a benefit, structure a hybrid contribution, or position it as voluntary. The right answer depends on the group, the workforce, and the budget.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">How OffPlan gets funded under your HDHP.<\/span><\/h3>\n\t\t\t\t\t\t<p>OffPlan&#8217;s individual rate sits above the federal HSA reimbursement cap, which means HSA dollars alone cannot fully fund the membership. That said, there is no single funding answer that fits every employer. Some groups fund OffPlan fully as an employer-paid benefit. Some structure a hybrid model where the HSA covers a portion and the employer absorbs the rest. Some position OffPlan as a voluntary, employee-funded benefit. <strong>We design the funding mechanic with each employer based on the budget and the workforce.<\/strong><\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"curated-specialty-access\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">Acceso seleccionado a especialistas<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">The deductible zone, simplified.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">High-deductible members are paying first-dollar costs for most services until the deductible is met. OffPlan guides them toward lower-cost, transparent care pathways that reduce out-of-pocket spend without changing what their carrier covers when they need it.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-5 align-items-center reveal reveal-up\">\n\t\t\t<div class=\"col-12 col-lg-6\"><h3 class=\"offplan-card-heading h4 fw-bold text-op-navy\">What OffPlan coordinates<\/h3><div class=\"offplan-paired-body offplan-paired-plain\"><ul>\n<li>Transparent imaging at pre-priced cash-pay rates<\/li>\n<li>Cash-pay specialist access through pre-vetted providers<\/li>\n<li>Ambulatory surgery center pathways for outpatient procedures<\/li>\n<li>Second opinions and care navigation<\/li>\n<li>PCP-led referral guidance with eConsult deflection<\/li>\n<li>Lower-cost alternatives surfaced before care escalates<\/li>\n<\/ul>\n<\/div><\/div><div class=\"col-12 col-lg-6\"><div class=\"offplan-card offplan-card-navy p-4 p-lg-5\"><p class=\"section-eyebrow text-white mb-2\">Concrete Example<\/p><h3 class=\"offplan-card-heading h4 fw-bold text-white\">Knee MRI under an HDHP versus OffPlan.<\/h3><div class=\"offplan-paired-body\"><p>An employee has a sore knee. The orthopedist orders an MRI. Through the HDHP, the MRI bills at $1,200 to $3,000 and applies entirely toward the deductible. Through OffPlan, the same imaging is coordinated at a partner facility for roughly <strong>$350 paid via employer-funded benefit card.<\/strong><\/p>\n<p>The OffPlan physician reviews the result and coordinates the next step. The employee sees a faster, simpler experience. The employer sees lower utilization against the carrier network. <strong>No claim filed. No PPO repricing. No surprise bill.<\/strong><\/p>\n<\/div><\/div><\/div>\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"why-employers-like\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container\">\n\n\t\t\t<div class=\"text-center mb-5 reveal reveal-up\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">Why Employers Like This Model<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3\">Add a layer. Do not blow up the plan.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead col-lg-10 mx-auto mb-0 text-balance\">This is the version of the OffPlan story for employers who know their HDHP is financially necessary but want to make it feel less broken for employees. No carrier replacement. No broker disruption. No multi-quarter implementation.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\n\t\t\t<div class=\"row g-4 offplan-card-grid justify-content-center reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-navy p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-orange\">Keep the insurance.<\/span><\/h3>\n\t\t\t\t\t\t<p>The HDHP, the carrier, the network, and the renewal structure stay in place. The page does not ask you to migrate to self-funding or change your contract.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-navy p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-orange\">Improve employee satisfaction.<\/span><\/h3>\n\t\t\t\t\t\t<p>Same-day access, 45-minute visits, $0 routine care, and care navigation. The benefit employees feel is the benefit they actually use.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-navy p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-orange\">Improve care utilization.<\/span><\/h3>\n\t\t\t\t\t\t<p>Employees use primary care because primary care is genuinely accessible. Conditions get caught earlier, managed proactively, and resolved before they escalate.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-navy p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-orange\">Renewal data improves.<\/span><\/h3>\n\t\t\t\t\t\t<p>Lower utilization in the carrier&#8217;s claims data over 12 to 18 months gives your broker a stronger renewal conversation. Better claims experience tends to soften renewal pressure.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-navy p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-orange\">Mid-contract flexible.<\/span><\/h3>\n\t\t\t\t\t\t<p>You do not have to wait for renewal. OffPlan can layer in immediately as a supplemental benefit without touching your existing carrier contract.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-4\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-navy p-4 p-lg-5\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-orange\">Predictable cost.<\/span><\/h3>\n\t\t\t\t\t\t<p>OffPlan&#8217;s primary care layer is a fixed monthly fee, not a claims-driven cost. The number you sign up for is the number you pay.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"offplan-section-note text-op-navy text-center mt-5 reveal reveal-up\">\n\t\t\t<p>OffPlan does not change your risk model. <strong>It reduces how often employees hit it.<\/strong><\/p>\n\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<section class=\"py-lg-6\"><div class=\"container\">\n\n\t\n\t\n\t\t\t<div class=\"row g-4 offplan-card-grid justify-content-center reveal-stagger\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">For Your Benefits Advisor<\/p>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">OffPlan works with your broker.<\/span><\/h3>\n\t\t\t\t\t\t<p>OffPlan does not replace the broker relationship. We work alongside your benefits advisor and provide co-selling support, ROI modeling, and the clinical and utilization data that makes the renewal conversation easier. Your advisor stays at the center of the relationship.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-6\">\n\t\t\t\t\t<div class=\"offplan-card offplan-card-bordered p-4 p-lg-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2\">Mid-Contract Employers<\/p>\n\t\t\t\t\t\t\n\t\t\t\t\t\t<h3 class=\"offplan-card-heading h4 fw-bold\"><span class=\"text-op-navy\">You do not have to wait for renewal.<\/span><\/h3>\n\t\t\t\t\t\t<p>If you are mid-contract with your carrier, OffPlan can layer in immediately as a supplemental benefit. Your existing carrier contract, plan design, and renewal cycle are untouched. Implementation is a matter of weeks, not quarters.<\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\n<\/div>\n<\/section>\n\n<div id=\"who-this-path-fits\" class=\"anchor\"><\/div><section class=\"py-lg-6 bg-op-navy-gradient text-white\"><div class=\"container\">\n\n\t\t\t<div class=\"col-12 col-lg-8\">\n\t\t\t\t\t\t\t<p class=\"section-eyebrow text-white mb-2 reveal reveal-up\">Who This Path Fits<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-white text-balance reveal reveal-up mb-3\">Best for HDHP employers who want change without disruption.<\/h2>\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead mb-0 reveal reveal-up\">Not every employer is ready to restructure their entire benefits architecture. Many are ready to make one strategic addition that improves what their workforce actually experiences.<\/p>\n\t\t\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-0 reveal reveal-up pt-5\">\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t<ul class=\"offplan-tick-list offplan-tick-list-light\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>Fully insured employers offering an HDHP today<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>5 to 250 employee groups<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>HSA-qualified plan designs paired with employee HSA contributions<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>Owner-led businesses with budget discipline<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 ps-md-5\">\n\t\t\t\t\t<ul class=\"offplan-tick-list offplan-tick-list-light\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>Employers frustrated with employee complaints about the plan<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>Groups with low primary care utilization despite an available plan<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>Distributed workforces where physician access varies by location<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t<span class=\"offplan-tick offplan-tick-light offplan-tick-inline\" aria-hidden=\"true\">&#10003;<\/span>\n\t\t\t\t\t\t\t\t<span>Employers not ready for self-funded or level-funded transitions<\/span>\n\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n<\/div>\n<\/section>\n\n<div id=\"a-practical-first-step\" class=\"anchor\"><\/div><section class=\"py-lg-6\"><div class=\"container\">\n\n\t\t<div class=\"text-center\">\n\t\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">A Practical First Step<\/p>\n\t\t\n\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance reveal reveal-up mb-3\">Start where you are. Let the data tell you where to go next.<\/h2>\n\t\t\n\t\t\t\t\t<p class=\"lead mb-5 reveal reveal-up\">Adding OffPlan underneath your HDHP is a low-friction first move. It does not require carrier replacement, broker disruption, or plan redesign. Over time, your OffPlan utilization data gives you better visibility into where your healthcare dollars actually go, which helps you make better decisions about your overall benefits strategy.<\/p>\n\t\t\t<\/div>\n\t\n\t\t\t<div class=\"row g-4 reveal-stagger text-center pt-5\" data-reveal-stagger=\"90\">\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-grid-number display-3 fw-bold text-op-orange\" aria-hidden=\"true\">1<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-navy text-balance offplan-icon-title\">Keep the existing HDHP.<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0 px-0 px-lg-4 text-balance\">No carrier replacement. No broker disruption. No immediate plan redesign required. The HDHP, the HSA, and the renewal cycle stay exactly where they are.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-grid-number display-3 fw-bold text-op-orange\" aria-hidden=\"true\">2<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-navy text-balance offplan-icon-title\">Add OffPlan as the care layer.<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0 px-0 px-lg-4 text-balance\">Employees gain direct access to primary care, care navigation, and curated specialty pathways before they ever hit the deductible. Implementation runs in weeks.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-12 col-md-6 col-lg-4\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"offplan-icon-grid-number display-3 fw-bold text-op-orange\" aria-hidden=\"true\">3<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"h4 fw-bold text-op-navy text-balance offplan-icon-title\">Use the data to evaluate next steps.<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"mb-0 px-0 px-lg-4 text-balance\">Twelve to eighteen months of OffPlan utilization data shows you where your healthcare dollars are going. From there, you decide whether to stay layered or evaluate broader benefits restructuring.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\n\t\n\t\n<\/div>\n<\/section>\n\n<section class=\"py-lg-6 bg-op-light-gray\"><div class=\"container text-center\">\n\t<div class=\"row justify-content-center\">\n\t\t<div class=\"col-12 col-lg-8\">\n\n\t\t\t\t\t\t\t<p class=\"section-eyebrow mb-2 reveal reveal-up\">See What This Looks Like for Your Group<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<h2 class=\"fs-1 fw-bold text-op-navy text-balance mb-3 reveal reveal-up\">Keep your insurance. Fix the experience.<\/h2>\n\t\t\t\n\t\t\t\n\t\t\t\t\t\t\t<p class=\"lead mb-5 reveal reveal-up\">Bring us your current HDHP details and a basic group profile. We model what OffPlan looks like layered underneath your existing plan, including expected employee adoption, deductible avoidance behavior, the funding mechanic that fits your budget, and what the conversation with your broker looks like at next renewal.<\/p>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"d-flex flex-wrap justify-content-center gap-3 reveal reveal-up\">\n\t\t\t\t\t<a href=\"#\" class=\"btn btn-lg btn-outline-navy\" data-bs-toggle=\"modal\" data-bs-target=\"#scheduleModal\">Programar una conversaci\u00f3n<\/a>\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<\/section>\n\n<section class=\"py-5 bg-op-navy-gradient text-white\"><div class=\"container text-center\">\n\t<p class=\"offplan-statement h3 text-white mb-0 text-balance reveal reveal-up\">Your insurance protects against major events.<br><strong>OffPlan handles the care employees actually use.<\/strong><\/p>\n<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":35,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-65","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - 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