IN SERVICE OF YOUR MISSION
A Proposal For
December 2025 | Confidential Submission
The Solution to America's Healthcare Crisis
OptimalMD removes the insurance middleman, delivering healthcare directly to families—eliminating copays, deductibles, authorizations, and denials for those who are uninsured, don't qualify for subsidies, or simply reject insurance limitations.
My AI Doctor™ Diagnostic System
OptimalMD includes My AI Doctor™, a revolutionary medical diagnostic system that combines artificial intelligence with board-certified physicians to deliver faster, more accurate care than traditional telemedicine services.
Intelligent Technology
- AI-powered symptom analysis uses advanced algorithms to evaluate your symptoms and medical history instantly
- Intelligent triage determines urgency level and recommends appropriate care pathway
- 24/7 availability means you can access diagnostic assistance any time, day or night
- Seamless handoff to live physicians ensures continuity of care
- Voice Powered so you can have a conversation as if speaking to a real person to help you with your symptoms and concerns.
Human Expertise
- Board-certified physicians available in an average of just 17 minutes
- Prescribing authority for medications when clinically appropriate as determined by physician recommendation.
- Comprehensive care for urgent care and primary care needs to address acute and chronic conditions.
- 13 Specialists Available via messenger from primary care, pediatrics, allergists, endocrinology, women's health, ophthalmology and more.
- Care Coordination with clinical caregivers to guide you to appropriate in person visits or facilities if needed.
The combination of AI efficiency and physician expertise means you get faster access to better care than traditional telemedicine or in-person urgent care visits.
Technology-Enabled Care
OptimalMD leverages cutting-edge technology to deliver faster, more convenient, and more effective healthcare than traditional systems. Our platform isn't just telemedicine — it's a complete reimagining of how healthcare should work.
AI Assessment
My AI Doctor™ analyzes your symptoms using advanced algorithms, providing instant preliminary assessment 24/7. The AI considers your medical history, current symptoms, and risk factors.
Intelligent Triage
Our system determines urgency and routes you to the appropriate care level — whether that's self-care guidance, a virtual physician visit, or direction to emergency services.
Physician Connection
Connect with board-certified physicians in an average of just 17 minutes. The doctor receives your AI assessment, enabling more efficient and effective care.
Seamless Care Navigation
Receive prescriptions sent directly to your preferred pharmacy, lab orders to LabCorp or Quest, and referrals when specialized care is needed — all coordinated through one platform.
Available 24/7/365
Healthcare emergencies don't follow business hours. OptimalMD is available whenever you need it — midnight, holidays, weekends. Real doctors, real care, real solutions, any time.
Integrated Pharmacy Network
Prescriptions are sent electronically to your choice of 70,000+ pharmacies nationwide. Often available for pickup within hours of your virtual visit.
$149
Per Family, Per Month
No deductibles • No copays • Everyone qualifies
Extensive healthcare coverage for your entire family at a price that's actually affordable. This isn't a discount plan or limited benefit program — it's comprehensive healthcare that works.
**Everyone is accepted regardless of age, pre-existing conditions or immigration status.
Entire Family Covered
Up to 7 family or household members included for one flat rate
No Medical Underwriting
Everyone qualifies regardless of pre-existing conditions
Transparent Pricing
One predictable monthly payment, no hidden fees or surprise bills
Comprehensive Care
Full access to physicians, specialists, labs, and medications
No Contracts, Cancel Anytime
OptimalMD does not require contacts and you can cancel your membership at any time.
How Does It Work? We made it simple.
Unlimited Access
Connect with board-certified physicians whenever you need care — no appointment delays, no gatekeepers, just direct access to medical expertise across more than 13 specialties.
Complete Transparency
One predictable monthly rate covers your core healthcare needs. No copays. No deductibles. No paperwork. No hidden fees. Just straightforward, honest pricing.
Total Privacy
Your health information stays between you and your care team. We never report to employers or insurance companies, giving you complete confidentiality and peace of mind.
Unlimited Virtual Visits
24/7 access to physicians via urgent care, primary care and more. Choose the doctor that is right for you.hat
13+ Medical Specialties
Expert care without an appointment. Message different specialists to verify your health questions.
1,100+ Free Medications
Most prescribed medications included at $0 and brand name drugs at incredible discounts.
3,900+ Diagnostic Labs
Zero-cost testing for advanced labs from basic panels to hormone and thyroid testing, cancer screening and so much more!
Concierge Care Coordination
Personal navigation team helps answer your questions, get your tests and medications ordered and helps with appointments.
Behavioral Health
State licensed behavioral therapists are available at $0 for care appropriate sessions in "Talk Therapy".
America's Healthcare Crisis
27.1M
Americans Uninsured
The number of uninsured Americans continues to grow, leaving millions vulnerable to financial catastrophe from unexpected medical events.
30%
Income on Healthcare
For many American families, healthcare costs now consume nearly one-third of their entire household income — an unsustainable burden.
25%+
Premium Increases
Insurance premiums are skyrocketing in 2026, with many Americans facing increases of 25% or more on already unaffordable plans.
18
States Worsening
Eighteen states saw their uninsured rates actually increase in 2024, reversing years of progress in healthcare coverage.
$2400
Monthly Premium
Cost per family of premiums in employer sponsored healthcare plans for 2026
36%
Avoided Care
Percent of adults that say they have skipped or postponed care in the past year due to cos
The American healthcare system is failing millions of families who work hard, earn decent incomes, but find themselves priced out of quality care. This crisis is accelerating, not improving.
The ACA Subsidy Cliff Crisis
December 31, 2025: A Looming Catastrophe
The enhanced ACA subsidies that have kept millions of Americans insured are set to expire on December 31, 2025. Without congressional action, this will trigger the most significant disruption to American healthcare coverage since the ACA's inception.
22 Million Face Premium Shock
Nearly 22 million Americans who currently receive enhanced subsidies will suddenly face massive premium increases — many seeing their costs more than double overnight.
3.8 Million Losing Coverage
An estimated 3.8 million people will be forced to drop their coverage annually because they simply cannot afford the new premiums after subsidies expire.
114% Average Increase
Families will face average premium increases of 114%, translating to an additional $1,016 or more per month — $12,192 annually in new healthcare costs.
$84,600 Income Cliff
Families earning just over $84,600 will lose all subsidies entirely, facing the full unsubsidized cost of marketplace insurance — often $2,000+ monthly.
Who Gets Left Behind?
The subsidy cliff doesn't just affect low-income Americans — it devastates middle-class families, entrepreneurs, and early retirees who have worked their entire lives and now find themselves in an impossible situation.
Middle-Income Families
Families earning above 400% of the federal poverty level lose all subsidies, yet don't earn enough to comfortably absorb $30,000+ annual insurance premiums. These are teachers, small business managers, and skilled tradespeople.
Self-Employed & Entrepreneurs
Self-employed individuals and small business owners who don't qualify for employer coverage face the full brunt of marketplace premiums. They're building America's economy but can't afford to protect their own families.
Early Retirees
Americans who retire before age 65 face a healthcare coverage gap. They're not yet eligible for Medicare but face the highest insurance premiums due to age rating — often $2,500+ monthly for a couple.
Privacy-Conscious Individuals
Anyone seeking privacy in their healthcare decisions, whether managing chronic conditions or simply valuing confidentiality, faces a system that shares every detail with insurers, employers, and government databases.
Why OptimalMD Works
OptimalMD reimagines healthcare delivery by eliminating the inefficiencies, restrictions, and hidden costs of traditional insurance. We've built a system that puts patients first, with transparent pricing and immediate access to care.
Everyone Qualifies
No medical underwriting, no exclusions for pre-existing conditions, no waiting periods. If you can pay the monthly fee, you're covered immediately — regardless of your health history.
No Hidden Costs
Zero deductibles. Zero copays. Zero surprise bills. Every service has transparent, upfront pricing so you know exactly what you'll pay before you receive care.
Complete Privacy
Your health information stays between you and your doctor. No reporting to employers, no government databases, no insurance companies denying claims based on your medical history.
Immediate Access
Coverage starts the moment you enroll. No waiting periods, no enrollment windows, no delays. Need care today? Join OptimalMD today and see a doctor within minutes.
OptimalMD Prime — What's Included
Unlimited Virtual Visits
See board-certified physicians via telehealth as often as you need for urgent care and primary care needs. No visit limits, no copays per visit — just unlimited access to quality medical care.
1,100+ FREE Medications
Access to 1,100+ commonly prescribed medications at absolutely no cost, plus 4,000+ additional medications available for under $15. This includes medications for diabetes, high blood pressure, cholesterol, mental health, and more.
3,900+ Lab Tests at $0
Comprehensive lab testing through LabCorp or Quest Diagnostics with no out-of-pocket costs. From basic metabolic panels to advanced diagnostic testing, we've got you covered.
These core services handle the vast majority of healthcare needs for most families — from routine checkups to managing chronic conditions to treating acute illnesses. Our care coordination team also handles access to diagnostic imaging, in-person visits, routine health checks and so much more and substantially lower prices directly contracted by OptimalMD.
Real Benefits, Real Savings
OptimalMD Prime delivers unprecedented value by eliminating the waste and bureaucracy of traditional insurance while maintaining — and often exceeding — the quality of care you receive.
95%
Cost Savings
Save over $32,000 annually compared to post-subsidy ACA Bronze plans while receiving superior access to care and medications.
100%
Privacy Protection
Complete confidentiality for all your healthcare needs — no reporting to employers, insurers, or government databases.
0
Claims Denials
Never file a claim, never get denied. You pay one simple monthly fee and receive unlimited access to covered services.
No Insurance Hassles
- No network restrictions limiting your choices
- No pre-authorization requirements delaying care
- No surprise bills after you receive treatment
- No insurance company determining what care you need
Immediate Access
- See a doctor within 17 minutes on average
- Pick up prescriptions the same day
- Schedule lab work at your convenience
- Get care when you need it, not when insurance approves it
Private Healthcare Network
Thank you for considering OptimalMD Prime as your healthcare solution. Together, we can build a better healthcare system — one that prioritizes patients over profits, transparency over complexity, and access over bureaucracy.
The subsidy cliff is coming December 31, 2025.
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