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.

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

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!