Multi-Share Model

Our innovative, multi-share coverage program provides low-wage workers access to affordable, quality healthcare

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.

Comprehensive 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.

Shared Costs and Benefits

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.

For 22 years, we have been providing full medical coverage at one-third of the cost of traditional insurance.

Funding Sources and Member Costs

Our robust coverage plan is structured to remove barriers for members seeking medical care while providing reimbursement and reduction in provider write-offs and debt collection.

  • No Deductible. Deductibles are often barriers that prevent people from accessing necessary care.
  • Low Cost-Sharing. $10 office visits, $300 max for in-patient hospitalization.
  • Integrated Health Improvement & Risk Management. Individual coaching addresses root-cause social Social Determinant of Health issues that impact the health and economic self-sufficiency of our members. This is the most significant area of cost savings in our plan.

Our mission is threefold: to manage risk, increase savings, and improve the health and wellbeing of individuals, families, and the community.

Sustainable Solutions that Change Lives

  • Individuals

    To ensure that vulnerable patients have the support they need to address personal barriers to success, Access Health incorporates a health coach partnership program that measures progress. In addition, members are required to participate in educational curriculum that targets issues like financial literacy, health literacy, and healthy eating.To date, we have served more than 60,000 residents of west Michigan.

  • Small Businesses

    We have worked with more than 2,000 local businesses. Small businesses who offer the Access Health coverage program are better able to recruit and retain talented, qualified people.

  • Community Partners

    Access Health aligns local systems of care and incorporates extensive and long-term partnership with trusted community entities, including hospitals. Incorporating the Access Health multi-share model with hospital community benefit programs provides an opportunity for hospitals to meet the needs of the uninsured population they serve, and to manage the risk of this population through sustained improvements to the their health.


Our multi-share model works -- and we’re ready to replicate! Currently, we are working with the State of Michigan to find financing opportunities and ways to expand our model. We’re seeking like-minded communities and health systems that are interested in joining our effort to deliver affordable, life-changing health care!

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