About $657 a month per employee is what employers pay toward single coverage on a group plan, and about $1,679 a month for family coverage, according to KFF's 2025 survey. On top of that the employee pays their share, then a $2,631 deductible before most care counts. That's why only 59% of firms with 10 to 199 workers offer health benefits at all. For a Long Island company, a self-pay doctor membership for every employee runs $135 a month, and a dentist $325 a year, with no deductible and no renewal.
| Group health plan (US avg, 2025) | Upsurance membership | |
|---|---|---|
| Employer cost per employee, single | $657/mo | $135/mo doctor + $325/yr dentist |
| Before a visit counts | $2,631 deductible at small firms | $0, visits included |
| Getting in to see the doctor | Weeks for a new patient, 15-minute slot | Same or next day, text the doctor |
| Paperwork | Open enrollment, renewals, claims | One itemized invoice, cancel any month |
Insurance figures: KFF 2025 Employer Health Benefits Survey (single premium $9,325/yr, worker pays $1,440; deductible for firms with 10–199 workers). Upsurance prices are the practice's own rate plus our administration fee at 1–9 employees, as of October 2026.
10 employees × $135/mo for a Long Island doctor membership (Huntington Direct Primary Care, unlimited visits), plus $3,250 once a year for dental at $325 each. That's $19,450 for the year for a doctor and a dentist for everyone, versus roughly $78,840 a year in employer premiums alone for single coverage on a group plan.
Pick a max per employee for a doctor and a dentist. The page shows which local practices fit.
They choose their own doctor and dentist from that list. No network cards, no claims.
Itemized per person. You pay what each person actually picked. Start or stop any month.
No. Each employee becomes a member of a local practice at the practice's own cash price, and Upsurance handles enrollment and billing. It covers primary care and dental, not hospital or specialist care. Many companies offer it alongside a high-deductible plan, or instead of a plan they couldn't afford.
Membership fees paid by the business are generally an ordinary business expense. Ask your accountant how to treat them for your entity; we're not tax advisors.
No. You invite who you want, and you can add people any time. There's no minimum participation.
They keep it. The membership is for everyday care: same-day visits, texting the doctor, cleanings. Their insurance still covers the hospital.