Individuals negotiate alone. Groups negotiate deals. We're building a waitlist of 1,000 New Yorkers to collectively negotiate lower rates on health insurance, DPC doctors, dental, and supplemental coverage. Join the waitlist — when we hit 1,000, we open enrollment to the list first.
Estimates based on average NY marketplace premiums. Individual savings vary. DPC + supplemental does not replace ACA-compliant coverage.
One person asking for a discount on health insurance gets ignored. One thousand people asking gets a real deal.
Direct Primary Care practices are small businesses. A guaranteed block of 100+ patients is a negotiation, not a request. Group rates can run 15–30% below individual enrollment.
Dental practices run on scheduling and predictability. A group membership deal gives them both — in exchange for meaningful discounts on exams, cleanings, and procedures.
Fixed indemnity, accident, and dental carriers price their products based on group size. A 1,000-person collective of healthy New Yorkers unlocks rates that individual applicants never see. When we hit 1,000, we go to work.
This isn't a petition. It's a collective buying group. When we hit 1,000 people, we go to work negotiating real deals — and you get first access to every one of them.
We approach DPC clinics across NY with a committed group and negotiate group membership rates on your behalf.
We negotiate direct membership pricing with DPC clinics so members pay a flat monthly fee with no insurance involvement — no claims, no denials, no billing overhead.
Once we have 1,000 members, we use that collective size to access group pricing on supplemental benefit products and dental plans that simply aren't available to individuals. Every rate we secure gets presented to the list — you choose what fits.
Every negotiated rate goes to waitlist members first. You choose what to enroll in — zero pressure, zero obligation.
Upsurance isn't another insurance company. It's the alternative doctors and dentists have been waiting for.
Running a private practice today means fighting insurance companies for money you've already earned. Prior authorizations, claim denials, reimbursement delays — DPC doctors and dentists deal with this every day. Upsurance members exist entirely outside that system. We're pooling a collective of young, healthy New Yorkers — independent workers aged 25–45, one of the lowest-risk, highest-value patient populations available. No claims. No denials. No middleman. Just a pre-committed group that pays directly and shows up.
"When we reach 1,000 members we come to the table with a committed group of young, healthy New Yorkers — zero insurance involvement, zero claim overhead."
If you're a DPC practice or independent dental office in Long Island, Queens, or Manhattan and want to be part of this:
Everything you need to know before joining the waitlist.
Upsurance is a healthcare membership platform that connects individuals to local and qualified:
Upsurance is not a traditional insurance carrier and does not replace major medical insurance.
Upsurance connects New Yorkers to:
Direct Primary Care (DPC) Providers
Supplemental Financial Protection Options
Medical Bill Cost Transparency
Upsurance does not negotiate your bills or act as your representative with any provider.
Upsurance may be appropriate for individuals who:
John, age 34, slips and needs stitches — a $2,500 hospital bill. His accident protection plan pays a fixed $1,000 cash benefit directly to him, reducing his net cost to $1,500.
Supplemental plans pay fixed cash benefits — they are not designed to cover all costs in every situation. Individual results vary.
Absolutely not. Joining the waitlist is free and obligates you to nothing. When we hit 1,000 members and negotiate deals, we'll share every rate with the list and let you decide what — if anything — you want to enroll in. No pressure, no fees, no follow-up sales calls.
For healthy adults in this age range:
Risk varies by individual health status.
Events that can create significant expenses beyond supplemental benefits and negotiation include:
Supplemental plans provide fixed cash benefits. They are not designed to cover unlimited catastrophic expenses.
Upsurance does not provide prescription insurance. Members can use prescription discount tools such as:
Many Upsurance Direct Primary Care providers also offer medications at discounted cash prices.
Upsurance connects individuals with national dental plans from providers such as Cigna, Aetna, and more. Dental coverage is optional and selected separately. The 1,000 collective will also negotiate group dental rates — waitlist members get access to those deals first.
Your name, email, phone, and ZIP are stored securely and used only to manage your waitlist position and notify you of deals and milestones. We present providers with aggregate member counts during negotiations — never individual names or contact details. Your data is never sold or shared with third parties.
Secure your spot in the health insurance collective. Takes 30 seconds — no payment, no obligation.
Takes 30 seconds · No payment · No obligation