Individuals & Families

Healthcare that actually fits your budget.

Whether you’re self-employed, on a high-deductible plan, or simply done being overcharged, OptimalMD delivers everything you need for one flat monthly price.

Enroll Your Family

OptimalMD Prime — Family Plan

$149

/mo

$149

/mo

Up to 7 household members · No per-person fees

Unlimited doctor visits — $0
1,100+ medications — $0
3,900+ lab tests — $0
Unlimited mental health — $0
No MIB reporting — ever
GLP-1 without prediabetes coding
No contracts, No deductibles · No denials

Enroll Your Family

Savings Calculator

See Your Real Savings.

Adjust the inputs to match your situation and see exactly how much OptimalMD could save you.

Your Healthcare Profile

Family Size

Current Coverage

Monthly Prescriptions: 2

Doctor Visits/Year: 6

ℹ OptimalMD is not insurance. This is a prepaid health plan that covers up to 90% of routine medical needs.

Annual Cost Comparison

Traditional

$18,420

estimated annual spend

OptimalMD$1,788
all visits, meds & labs

$16,632

estimated annual savings

Enroll Your Family →

Who We Serve

We Built This For You.

Over 100 million Americans are uninsured, underinsured, or drowning in medical debt. Here's how OptimalMD fits your exact situation.

Who you are	Your pain point	How OptimalMD solves it
Self-employed / Gig worker	ACA premiums unaffordable; no employer subsidy	$149/mo family plan — no annual premium shock
Employee with HDHP	Paying premium + full cost every visit until deductible	$0 visits; deductible never becomes a barrier
Family with chronic conditions	Monthly prescriptions cost hundreds despite "coverage"	$0 on 1,100+ generics; diabetes/BP/thyroid covered
GLP-1 user or candidate	Scared of insurance coding; pre-diabetic label risk	No MIB reporting; no insurance codes attached
Mental health care seeker	Therapy co-pays, prior auth, stigma in records	Unlimited therapy - $0; completely private
Between jobs / COBRA eligible	COBRA costs $700–$1,800/month	Month-to-month; no contracts; instant enrollment
Rural / Small town resident	No in-network providers nearby	24/7 virtual access; nationwide pharmacy network