Employer Membership Program
Retro Health employer memberships give your team unlimited primary and urgent care — while qualifying as a deductible business expense and HSA-eligible benefit under federal law.
Schedule a Meet & GreetThe Problem We Solve
Group health insurance is expensive, complicated, and often out of reach — especially for businesses with fewer than 50 employees.
Small business group health premiums have increased over 50% in the past decade. Most owners are paying for coverage their team barely uses.
Traditional insurance incentivizes treatment over prevention. Your employees wait weeks for appointments and end up in urgent care for issues that could have been caught early.
Group plans typically require minimum headcounts. Solo founders, husband-wife businesses, and small LLCs are locked out of meaningful employer-sponsored healthcare.
Most business owners don't know that concierge primary care memberships now qualify as HSA-eligible and can be structured as a deductible business expense under the One Big Beautiful Bill Act (2025).
Simple by Design
No insurance billing. No complicated enrollment windows. Just straightforward healthcare your team will actually use.
We walk you through the program, pricing, and tax structure — no commitment required. You'll meet the clinical team personally.
Enroll employees at the individual ($115/mo) or family ($265/mo) rate. No minimum headcount. Flexible on who pays.
Each enrolled employee gets a personal onboarding call and a dedicated contact for questions. We make this easy for you.
Employer-paid memberships are structured as a business expense. Your accountant gets clean documentation. You get the write-off.
The Tax Advantage
The One Big Beautiful Bill Act (signed July 4, 2025) changed the rules for concierge primary care. Here's what that means for you.
As of January 1, 2026, Direct Primary Care memberships are federally recognized as qualified medical expenses under HSA rules — up to $150/mo for individuals and $300/mo for families. Your $115 and $265 rates fall within both caps.
When structured as an employer-sponsored benefit, membership costs may qualify as a deductible business expense — reducing your taxable business income directly.
Businesses can reimburse employees for membership fees tax-free through an Individual Coverage HRA or Qualified Small Employer HRA — giving even the smallest businesses a compliant way to offer healthcare benefits.
* Tax treatment depends on your business structure and benefit design. We recommend consulting a qualified CPA or attorney before implementing. This does not constitute tax or legal advice. HSA eligibility under the One Big Beautiful Bill Act is effective January 1, 2026.
Membership Rates
The same rate for individuals and employer groups. No minimum headcount, no enrollment windows, no insurance paperwork.
Both rates fall within the federal HSA monthly limits established by the One Big Beautiful Bill Act, effective January 1, 2026.
Aesthetics and advanced wellness services are available at member-discounted rates and are not bundled into the membership.
Who This Is For
You don't need 50 employees to offer your team real healthcare. Our program was designed for businesses traditional group insurance leaves behind.
Too small for group insurance minimums but big enough to compete for talent. Offer a benefit your competitors can't match.
Law firms, accounting offices, dental practices, and healthcare-adjacent businesses where your team's health directly impacts productivity.
Two-person LLCs, husband-wife businesses, and solo operators who've never had access to a meaningful employer health benefit. No minimum headcount — ever.
Membership Coverage
Primary and urgent care, the way it should be — relationship-based, accessible, and without insurance friction.
Routine checkups, chronic disease management, preventive screenings, and annual physicals — included with membership.
Same-day or next-day access for acute illnesses and injuries. No emergency room. No walk-in wait times.
Virtual visits by phone or video for issues that don't require an in-person exam. Available to all members.
We come to you. Home visits available within 20 miles of our Worthington office — a benefit traditional practices don't offer.
A single point of contact for your business — for enrollment questions, billing, and team support. No call centers.
Hormone optimization, peptide therapy, NAD+, Alma TED, BeautiFill, and more — all available at member rates.
Aesthetics and advanced wellness services are elective and billed separately. Membership covers primary care and urgent care only for HSA/tax purposes.
Get Started
We'll walk you through the program, answer your tax questions, and make sure this is the right fit — before you commit to anything.
Thank you for reaching out. A member of our team will contact you within one business day to schedule your meet & greet.
We'll reach out within one business day. Your information is never shared or sold.
