How It Works Services Savings For Employers ACA Coverage Medications Tax Savings Real Story The Book Contact Enroll Now →
01 How It Works
02 Services
03 Savings
04 For Employers
05 ACA Coverage
06 Medications
07 Tax Savings
08 Real Story
09 The Book
10 Contact
Enroll Now →

Real coverage.
Real savings.
Finally.

HealthPass by Legacy Health Network bundles ACA-compliant insurance, whole-person care, and an HSA account into one powerful benefit package — at a fraction of the cost of traditional group insurance.

Enroll Today See How It Works
$0
Copay & Deductible
$522+
Saved per Month
6
Disciplines Included
ACA
Compliant
🚫
No Copay
ever
🚫
No Deductible
on HealthPass services
🚫
No Pre-Authorization
see who you want, when you want
✅
ACA Compliant
required for 50+ employees
💰
HSA Compatible
triple tax advantage
Your 3-Part Benefit Package

Everything you need —
bundled into one plan.

Three components work together to give your employees better coverage at a lower cost than traditional group insurance.

① Insurance
ACA-Compliant HDHP
HSA-eligible group health plan. Note: ACA employer shared responsibility (§4980H) only applies to employers with 50 or more full-time employees. Employers with fewer than 50 employees are not required to offer insurance — but HealthPass is available to any employer as a standalone benefit.
ACA §4980H compliant
Satisfies 50+ employee mandate
Employer contributions tax-deductible
HSA-eligible plan
$129
employee
pays / mo
$50–80
employer
pays / mo
ⓘ ACA insurance requirement applies to employers with 50+ full-time employees only. If you have fewer than 50 employees, you are not required by law to offer health insurance — but you can still offer HealthPass as a standalone benefit, or pair it with a voluntary HDHP for added value.
+
② Whole-Person Care
HealthPass — Choose Your Services
Chiropractic, primary care telemedicine, dental, behavioral health, massage, acupuncture & gym. Employees select the disciplines they want — or bundle all 6 and save.
No copay
No deductible
No pre-authorization
Unlimited visits
Pick any combination
$249
full bundle / mo
all 6 disciplines
+
③ Tax-Free Savings Optional
HSA Account — Funded & Ready
Because the HDHP is HSA-eligible, open and fund a Health Savings Account. Use it on any qualified medical expense — tax-free, rolls over, never expires.
Pre-tax contributions
Grows tax-free
Tax-free medical withdrawals
Rolls over — never expires
$150
you fund
HSA / month
HealthPass Disciplines

Choose the services
that work for you.

Pick any combination — or bundle all 6 and save $110/month. Family members add at $50/member/month.

Bundle all 6 and save $110/mo
$249
full bundle / month
🧘
Chiropractic
Unlimited visits at network clinics
$69
/month
💻
Primary Care Telemedicine
24/7 physician access from anywhere
$75
/month
🦷
Dental Care
Preventive & restorative included
$44
/month
💆
Massage Therapy
Licensed therapists, regular sessions
$49
/month
🏋️
Acupuncture / Gym
Fitness access & holistic care
$59
/month
🧠
Behavioral Health
Therapy & counseling support
$59
/month
The Real Numbers

See what you save vs.
traditional group insurance.

Side-by-side comparison of what employees actually pay — including copays, deductibles, and wellness costs.

Traditional Group PPO
Employee premium~$550/mo
Copays & deductibles~$150/mo
Specialist visits~$100/mo
Wellness / ancillary~$100/mo
Total monthly cost ~$900
VS
HDHP + HealthPass Bundle
HDHP (employee share)$129/mo
Employer contributes−$50 to −$80
HealthPass full bundle$249/mo
Copays / deductibles$0
Total out-of-pocket ~$298–378
Employee saves approximately
$522–$602/mo
that's up to $7,224 per year back in your pocket
🚫
No Copay — Ever
Every HealthPass service is available with zero copay. Walk in, get care, walk out. No paperwork, no surprise bills.
🚫
No Deductible on HealthPass
Chiropractic, dental, telemedicine, behavioral health, massage, and gym — all available without meeting any deductible first.
🚫
No Pre-Authorization
See who you want, when you want. No referrals required, no approval process, no delays. Just care.
💰
HSA Builds Your Safety Net
Fund $150/month into your HSA tax-free. After 5 years you'll have $9,000+ — enough to cover your entire HDHP deductible if you ever need it.
✅
ACA Compliant for 50+ Employers
The HDHP satisfies ACA §4980H employer shared responsibility — required only for employers with 50 or more full-time employees. If you have fewer than 50 employees, you are not legally required to offer insurance, but pairing HealthPass with a voluntary HDHP is still a powerful benefit strategy.
For HR & Business Owners

Set up in
30–45 days.

We handle the complexity. You get a turn-key benefit package your employees will actually love.

01
Set Up Your ACA-Compliant HDHP
Work with a licensed group health broker (we can refer one) to select and enroll in a compliant HDHP. Employer sets contribution amount of $50–80/month per employee.
Week 1–2  ·  Required for 50+ employees
02
Set Up HSA Accounts
Choose an HSA administrator and integrate with your payroll provider so employee contributions are deducted pre-tax automatically each pay period.
Week 2–3  ·  Optional but recommended
03
Enroll in HealthPass
Contact Legacy Health Network to set up your employer account. Employees choose their disciplines and enroll. Cards issued, coverage begins.
Week 3–4  ·  3–5 business days
Setup Timeline — 30 to 45 Days
Week 1
Contact broker & Legacy Health Network
Get HDHP quotes, choose plan tier
Week 2
Choose HSA administrator
Integrate with ADP, Gusto, Paychex, or Rippling
Week 3
Employee enrollment period
HDHP forms, HSA accounts, HealthPass discipline selection
Week 4–6
Coverage goes live
All three components active, cards and app access issued
Total setup time 30–45 days
Preferred Oregon Carriers
Moda Health  ·  Providence Health Plan  ·  Regence BlueCross  ·  PacificSource  ·  Kaiser NW
Federal Law Requirements

What your ACA plan
must cover.

Every ACA-compliant plan covers these 10 Essential Health Benefit categories with no annual or lifetime dollar caps.

01
Ambulatory Services
Doctor visits, urgent care, same-day surgery — no hospital admission required
02
Emergency Services
ER visits and emergency transport — no prior auth required, covered out-of-network
03
Hospitalization
Inpatient stays, surgeries, overnight care, and all related hospital services
04
Maternity & Newborn
Prenatal visits, labor and delivery, and postnatal care for mother and baby
05
Mental Health & Substance Use
Therapy, psychiatric care, and substance abuse treatment — at parity with medical benefits
06
Prescription Drugs
At least one drug per formulary category — generics, brand-name, and specialty tiers
07
Rehabilitative Services
Physical therapy, occupational therapy, speech therapy, prosthetics, and devices
08
Laboratory Services
Blood work, diagnostic tests, pathology, and imaging interpretation
09
Preventive & Wellness
Annual physicals, immunizations, cancer screenings — covered at 100% before deductible
10
Pediatric Services
Well-child visits, dental, and vision care for children under 19
How HealthPass complements your HDHP: Your HDHP covers all 10 Essential Health Benefits — but most require meeting your deductible first (except preventive care). HealthPass covers the care you actually use every day — chiropractic, telemedicine, dental, behavioral health, massage, and gym — with no copay, no deductible, and no pre-authorization. Together they create the complete coverage stack.
ACA Required — $0 Cost to You

Medications your plan must cover
at no charge.

All ACA-compliant plans must cover these medications with no copay, no deductible, and no cost sharing. A doctor's prescription is required — even for OTC items. Generics are required before brand in most cases.

Heart & Cardiovascular
Statins & Aspirin
Primary prevention for adults 40–75 at elevated cardiovascular risk with no prior heart disease diagnosis.
Aspirin 81mg — adults 50–59 at high CVD risk; high-risk pregnancies after 12 weeks
Atorvastatin (Lipitor generic)
Rosuvastatin (Crestor generic)
Simvastatin (Zocor generic)
Pravastatin, Lovastatin, Fluvastatin, Pitavastatin
HIV Prevention — PrEP
Pre-Exposure Prophylaxis
HIV-negative adults at high risk. Related lab work including HIV testing, kidney function, and STI screening also covered at $0.
Emtricitabine/Tenofovir DF — Truvada generic, oral daily pill
Emtricitabine/Tenofovir AF — Descovy, if generic contraindicated
Cabotegravir ER injection — Apretude, long-acting every 2 months
Cancer Prevention
Chemoprevention Medications
For individuals at high cancer risk. Includes colonoscopy bowel prep required before covered screenings.
Tamoxifen (Soltamox) — women 35+ at high breast cancer risk
Raloxifene (Evista) — postmenopausal women at high risk
Anastrozole (Arimidex) — postmenopausal high-risk women
Exemestane (Aromasin) — postmenopausal high-risk women
Finasteride / Dutasteride — men at high risk for prostate cancer
PEG bowel prep solutions — required before covered colonoscopy
Women's Health
All FDA-Approved Contraceptives
Every FDA-approved contraceptive method is covered at $0. If your preferred method is not listed, request a prior authorization exception.
All generic oral contraceptives — every pill formulation
Hormonal IUDs — Mirena, Kyleena, Liletta, Skyla
Copper IUD — Paragard (non-hormonal)
Implant — Nexplanon (etonogestrel)
Patch & Ring — Xulane, Twirla, NuvaRing, Annovera
Injectable — Depo-Provera (medroxyprogesterone)
Emergency contraception — Plan B, ella, generic levonorgestrel
OTC — Opill, male condoms (require Rx for $0 coverage)
Tobacco Cessation
All FDA-Approved Quit Medications
OTC nicotine products require a doctor's prescription to receive $0 coverage at the pharmacy counter.
Nicotine patch 7mg, 14mg, 21mg — NicoDerm CQ, generic (OTC needs Rx)
Nicotine gum 2mg, 4mg — Nicorette, generic (OTC needs Rx)
Nicotine lozenge 2mg, 4mg — Commit, generic (OTC needs Rx)
Nicotine nasal spray — Nicotrol NS (prescription only)
Nicotine oral inhaler — Nicotrol Inhaler (prescription only)
Varenicline — Chantix generic (most effective single medication)
Bupropion SR 150mg — Wellbutrin SR / Zyban generic
Prenatal, Pediatric & Supplements
Children & Pregnancy Medications
Required at $0 for eligible age groups and clinical criteria as specified by USPSTF and HRSA guidelines.
Folic acid 0.4–0.8mg — all women capable of or planning pregnancy
Folic acid 1mg — prescription strength for higher-risk women
Sodium fluoride drops & tablets — children 6 months–5 years without fluoridated water
Iron supplements — infants 6–12 months at risk; pregnant women
Vitamin D3 drops — exclusively breastfed infants (400 IU/day)
Aspirin 81mg — pregnant women at high preeclampsia risk after 12 weeks
Rules That Apply to All $0 Preventive Medications
📝
Prescription Required
Even OTC products like aspirin and nicotine patches need a doctor's Rx for $0 pharmacy coverage.
💊
Generic First
Plans require generic before brand. Prior authorization available if brand is medically necessary at $0.
🏪
In-Network Pharmacy
Must use a participating pharmacy. Out-of-network fills may not be covered at $0.
✅
Criteria Must Be Met
Age, risk level, or clinical criteria per USPSTF must be documented by your provider.
💰
HDHP Compatible
All covered at $0 even on an HSA-eligible HDHP — before your deductible is met.
🔄
List Can Change
New USPSTF recommendations are added within one year of publication. Always verify with your plan.
Smart Money Strategy

Five ways HealthPass saves you
even more on taxes.

When you pair HealthPass with the right tax-advantaged accounts, your healthcare dollars go significantly further. These five strategies let you pay for coverage and care with pre-tax dollars — reducing your taxable income and keeping more money in your pocket every paycheck.

~30%
Average tax savings on premiums paid through a Section 125 cafeteria plan
$7,224
Max annual savings vs. traditional group insurance when combining HDHP + HealthPass + HSA
3x
Triple tax benefit of the HSA — contributions pre-tax, growth tax-free, withdrawals tax-free
How It Adds Up — Example Employee
HDHP premium (pre-tax via Sec. 125) −$387 taxes saved/yr
HSA contribution $150/mo pre-tax −$540 taxes saved/yr
Employer HDHP contribution −$720–960/yr (non-taxable)
HSA investment growth (tax-free) Compounds annually
Estimated annual tax savings $1,600+
01
HSA
Health Savings Account
The gold standard in tax-advantaged healthcare savings. Triple tax benefit: contributions are pre-tax, the money grows tax-free, and withdrawals for qualified medical expenses are tax-free — ever.

2026 limits: $4,400 individual / $8,750 family. Age 55+ can add $1,000 catch-up. Funds roll over every year and never expire. Use for deductibles, dental, vision, prescriptions, and more.
Requires HDHP
02
FSA
Flexible Spending Account
Employer-sponsored account funded with pre-tax payroll dollars for qualified medical expenses. Reduces your taxable income dollar-for-dollar.

2026 limit: $3,300/year. Use it for copays, prescriptions, dental, vision, and medical equipment. Note: FSA funds generally must be used within the plan year — use it or lose it. Not compatible with an HSA unless it is a Limited Purpose FSA.
Use It or Lose It
03
ICHRA
Individual Coverage HRA
Employers reimburse employees for individual health insurance premiums and qualified medical expenses — completely tax-free to the employee and tax-deductible for the employer.

No federal contribution limit. Employers can set any amount. Works for businesses of any size. Employees own their plan and keep it if they change jobs. A powerful alternative or supplement to traditional group coverage.
Any Employer Size
04
QSEHRA
Qualified Small Employer HRA
Designed specifically for employers with fewer than 50 employees who do not offer a group health plan. Employers reimburse employees for individual premiums and medical expenses tax-free.

2026 limits: $6,350 individual / $12,800 family per year. Reimbursements are tax-free to employees and deductible for employers. No minimum contribution required — employers set their own amount.
Under 50 Employees
05
Sec. 125
Cafeteria Plan
A Section 125 cafeteria plan lets employees pay their share of health insurance premiums — including the HDHP and HealthPass — with pre-tax payroll dollars, reducing both income tax and FICA taxes.

On a $129/month HDHP premium, a typical employee saves $387+ per year in taxes. Employers also save on FICA matching. This is often the single easiest way to immediately reduce the cost of the benefit package.
Most Common
💡
The One Big Beautiful Bill Act — New HSA Expansion (Effective 2026)
The One Big Beautiful Bill Act permanently extended telehealth access before the HDHP deductible without affecting HSA eligibility — meaning HealthPass telemedicine visits do not jeopardize your employees' HSA contributions. Additionally, bronze and catastrophic ACA plans are now permanently HSA-compatible, opening new plan design options for employers. These changes make the HDHP + HealthPass + HSA model even stronger for 2026 and beyond. Consult a licensed tax advisor or benefits attorney to determine the best structure for your organization.
From the Book — You Are the Healthcare Solution

A real business owner.
A real turning point.

This is Marcus. A precision manufacturing company owner — 43 employees, 14 years in business. This is the story that changed everything for his company.

Marcus had built the kind of company people were proud to work for. Fourteen years. The kind of place where people stayed for decades and brought their kids in for summer jobs. Then the renewal letter arrived.

His group health insurance premium was going up 22 percent. Again. That was the third year in a row of double-digit increases. Total health insurance cost for 43 employees: approaching $380,000 per year — nearly $9,000 per employee. And his people still complained they couldn't afford to use it. Individual deductibles were $6,800. His team was essentially uninsured for anything short of a hospital stay.

Two weeks later, his best machinist of 17 years gave notice.

The reason: a competitor offered better benefits. The machinist had a chronic back condition. Under Marcus's plan, chiropractic visits cost $60 each after a $6,800 deductible he never met. He was skipping appointments and white-knuckling through the pain. The other company offered a HealthPass membership — unlimited chiropractic, no deductible, no copay.

Recruiting a replacement would cost $40,000 to $60,000. The institutional knowledge walking out was incalculable. And the reason it was happening — a health insurance plan that cost him nearly $400,000 a year and still wasn't good enough to keep his best people.

That was when someone handed him a HealthPass one-pager.

Marcus met with a HealthPass employer representative. He came in skeptical. He brought his CFO. The rep did not start with a pitch — she started with his renewal letter and a calculator. His CFO asked the question everyone asks: "What's the catch?"

There is no catch. The minimum value HDHP covers hospitalizations, surgeries, and catastrophic events — the scenarios where insurance is the right financial tool. HealthPass covers everything employees actually use: unlimited chiropractic, unlimited telemedicine, behavioral health, dental cleanings, massage, acupuncture, gym membership. Zero deductible. Zero copay. One card. One monthly payment.

Marcus signed up three weeks later. Annual savings in Year One: $216,000.

43 Employees
Before HealthPass
After HealthPass
Employer pays insurance
$736/mo per employee
$65/mo (MV HDHP)
Employer pays HealthPass
None
$249/mo per employee
Employee deductible
$6,800 — avoided care
$0 on HealthPass services
Employees using benefits
34% in past year
72% in 90 days
Total employer cost/mo
$736/employee
$314/employee
Annual savings
—
$216,000 / yr
Marcus's First 90 Days
31/43
Employees used HealthPass in the first 90 days
↓18%
Sick days reduced in first quarter
0 vs 2
Workers' comp claims vs. prior year same period
4.3/5
Benefits satisfaction up from 2.1 to 4.3 out of 5
The Recruiting Story
34 applications in 72 hours
Marcus added one line to his next job posting: "Full HealthPass membership — unlimited chiropractic, primary care, dental, behavioral health, massage, acupuncture and gym with zero deductible and zero copay." His previous posting for the same role received 8 applications in two weeks.
I have a bad knee and a bad shoulder. I have been paying $75 a visit for physical therapy and chiropractic out of pocket because my deductible is $8,000. I go once a month instead of twice a week because I cannot afford it. Your plan means I can actually take care of myself. That matters more to me right now than an extra dollar an hour.
Senior Machinist — 22 years experience  ·  Chose HealthPass over a higher-paying offer
The Math at Every Company Size

Marcus's story scales to any size team.

These are not projections. They are arithmetic based on the Mercer 2025 national average employer health insurance cost of $500–$650 per employee per month.

Company Size Current Annual Cost HealthPass Annual Cost Annual Savings
10 employees $88,000 – $120,000 $37,680 – $43,680 $44,320 – $76,320
25 employees $220,000 – $300,000 $94,200 – $109,200 $125,800 – $190,800
50 employees (like Marcus) $440,000 – $600,000 $188,400 – $218,400 $221,600 – $381,600
100 employees $880,000 – $1,200,000 $376,800 – $436,800 $443,200 – $763,200
250 employees $2,200,000 – $3,000,000 $942,000 – $1,092,000 $1,108,000 – $1,908,000
Source: Current cost based on Mercer 2025 Employer Health Benefits Survey national average. HealthPass model: $50–$80/mo MV HDHP + $249/mo HealthPass = $299–$329/employee/month. Savings figures are estimates and vary by carrier, state, and plan design.
That is the talent war won — not with a higher salary.
With healthcare that actually works.
See if HealthPass is right for your team →
Now Available
Legacy Health Network
You Are the
Healthcare
Solution
The HealthPass Model — How Employers, Doctors, and Employees Can Win Together
Eric Reed  ·  Legacy Health Network
New Release · 2026

You Are the
Healthcare Solution

The book that explains why American healthcare is broken — and exactly how to fix it for your business.

Marcus paid $380,000 a year for health insurance his employees couldn't afford to use. His best machinist of 17 years walked out the door — not for more money, but for better benefits. This book is for every business owner who has received that renewal letter and felt trapped.

Written by Eric Reed, co-founder of ChiroFirst Alliance and Legacy Health Network, this is the definitive guide to the HealthPass model — how a simple two-layer benefit stack (ACA-compliant HDHP + HealthPass whole-person care) gives employers better coverage at dramatically lower cost, while giving employees the healthcare they actually need.

What's Inside
Why traditional group insurance is broken for small and mid-size businesses
The two-layer benefit stack that saves $100K–$800K per year
How to satisfy ACA requirements for employers with 50+ employees
The HSA tax strategy that multiplies every healthcare dollar
How HealthPass wins the talent war without raising salaries
The five tax-saving strategies every employer should know
Real employer case studies with full financial breakdowns
A step-by-step implementation guide for HR teams
Print Edition
Order Your Copy
$24.99
Paperback  ·  Free shipping
Digital Edition
Download PDF
$24.99
Instant access  ·  Download immediately
Bulk orders for employers and HR teams available. Contact us for pricing on 10+ copies — ideal for leadership teams, broker partners, and HR conferences.
Ready to Get Started?

Better coverage.
For less.

Whether you're an employee ready to enroll or an employer building a benefit package — we're ready to help you get set up in 30–45 days.

For Employees
Enroll in HealthPass
Talk to your HR department about the HealthPass benefit package or sign up directly through the employee enrollment portal.
Enroll Now →
For Employers & HR
Set Up for Your Team
Contact our employer partnerships team to get your company set up with the full HDHP + HealthPass + HSA benefit stack.
Contact Us →
$249
Full Bundle / Month
$50
Add Family Members
30
Days to Full Coverage
Get in Touch

We'll walk you
through every step.

Legacy Health Network has a dedicated employer onboarding team. We coordinate with your broker, payroll provider, and HSA administrator — so you don't have to manage it alone.

🌐
Website
healthpassbylegacy.com
📍
Headquarters
Nationwide  ·  Legacy Health Network
🏥
Network
Legacy Health Network  ·  ChiroFirst Alliance