Healthcare on your own terms. Access changes everything.
Flat $70/month. Real access to a consistent care team. No copays, no deductibles, no employer required. Not insurance — designed to work with or without your existing coverage.
- $70/month, flat
- No copays or deductibles
- No employer required
Sam
Individual account · Just you
$70/month
Paid by you
Assigned
Same team every visit
Wed · 2:00 PM
Video visit
The problem
You're paying for insurance you can't afford to use.
If you're uninsured, you already know why: coverage is expensive and most of what it “covers” is care you don't use. If you're on a high-deductible plan, you're paying premium every month for coverage that doesn't start paying anything toward a doctor visit until you've spent thousands out of pocket. If you're self-employed, between jobs, or gig-first, you're probably choosing between an ACA plan you can barely afford and going without. If you're on a spouse's plan, the plan may exist but the primary care access it delivers may not — a rotating in-network provider, a short-notice appointment three weeks out, a copay for a doctor who's never seen you before.
Most Americans don't have a primary care relationship. Not because they don't want one — because the system built around insurance made it too expensive, too complicated, and too impersonal to actually build one.
The gatekeeper problem
Insurance has become the gatekeeper for care that costs pennies but is billed as if it were surgery. Take a routine primary care visit. The actual cost of delivering that care is about $60. Insurance bills it as $200. The network negotiates it down to $150. Until your Bronze plan deductible is met, you pay that full $150 yourself. You paid a premium every month for coverage that made the visit more expensive than paying cash — and covered none of it.
The math you don't see
Average annual family premium in 2025, up 6% year over year. Workers pay $6,850 of that out of pocket before a single visit is covered.
Source: KFF 2025 Employer Health Benefits SurveyAverage Bronze-plan deductible on the 2026 marketplace. What you spend out of pocket before your plan pays for anything beyond preventive services.
Source: KFF 2026 Marketplace DeductiblesAdults who skipped or postponed care they knew they needed in the past twelve months because of cost. Most of what they skipped was primary and preventive.
Source: KFF Health Tracking Poll, May 2025Average wait for a new-patient family medicine appointment across major U.S. metros. In some cities the wait crosses two months.
Source: AMN Healthcare 2025 Wait Time SurveyThe insurance product isn't going to fix this. It's designed for catastrophic events, not everyday care. But you still need everyday care — that's what Vine is for.
The solution
Access to everyday care. On your terms.
Vine, in simple terms, gives you access. A flat $70/month healthcare membership that puts you in a real relationship with a licensed care team. Virtual primary care, an annual wellness lab, roughly 1,000 generic prescriptions at $0, and integrated mental health support. No copays. No deductibles. No claims. No prior authorization. No 800-number call center. No rotating strangers. Just a real care team that knows you, on your schedule.
Vine is not insurance and doesn't pretend to be. It's designed to work with or without your existing coverage. If you're uninsured, Vine gives you the everyday primary care access you've been going without. If you're on a high-deductible or catastrophic plan, Vine handles the visits and prescriptions your insurance makes expensive or hard to reach — you keep the catastrophic plan for the rare event that's actually catastrophic. If you're self-employed or gig-first, Vine works whether you're between clients or year-round on your own.
Price
Flat $70/month. Real access to a consistent care team.
Included
No copays. No deductibles. No claims. No employer required.
Not insurance
Works with or without your existing coverage — layers cleanly with HDHP, catastrophic, or ACA plans.
What you get for $70/month
Everything you need for everyday healthcare
No add-ons, no upsells, no tiered levels. The whole membership, in the flat monthly price.
Virtual primary care
Meet with your care team on your schedule — often same-day or next-day. No travel, no waiting room, no time away from work. Video visits from wherever you are.
Consistent care team
One clinical relationship, every visit. Your care team knows your history, your medications, your concerns. No starting over each time, no rotating strangers.
1,000+ generic prescriptions
Common generic medications for the everyday conditions primary care handles — blood pressure, cholesterol, thyroid, mental health, diabetes — included at $0 to you.
Annual wellness lab included
Comprehensive annual blood work — the tests that actually matter for tracking your baseline health year over year. Included, no separate lab fee.
Mental health support
Depression, anxiety, non-stimulant ADHD, and sleep — managed by the team that knows you. Integrated with primary care, not shipped off to a specialist behind another authorization.
How it works
Three steps. That's it.
No sales calls. No tiered levels. No fine print about what version of Vine you bought.
Enroll
Sign up online. No medical underwriting, no waiting period, no separate approval. Confirm your state, agree to the acknowledgments, set up your payment method. Membership starts the day you enroll.
Meet your care team
Once enrolled, you're assigned to a licensed care team that becomes your care team. Book your first video visit through the dashboard. Continuity of care starts on day one.
Sponsor someone else (optional)
Pay for any adult 18 or older. They get their own account, their own care team, and their own private care record. You sponsor the monthly fee and nothing else.
Layers cleanly
Works alone. Works better together.
Vine is designed to sit inside your health coverage strategy, whatever that looks like.
If you have no insurance right now, Vine covers everyday primary care at a flat monthly cost — the visits, the prescriptions, the wellness labs. If you have a catastrophic plan, a high-deductible plan (HDHP), a catastrophic indemnity plan, or you're part of a health care sharing ministry, Vine handles the everyday layer those don't. You keep your other coverage for the rare catastrophic event; Vine covers everyday primary care.
The distinction to keep clear: Vine is not a replacement for a catastrophic or major-medical plan. If you get hospitalized, Vine doesn't cover it. That's what catastrophic, HDHP, or ACA coverage is designed for. Vine handles everything else — the layer traditional insurance makes expensive or hard to use. Two different tools, two different problems.
Coverage combinations that work well with Vine
Uninsured + Vine
The flat-rate path — primary care access without any insurance product.
Catastrophic or HDHP + Vine
Pay premium for the rare event; use Vine for everything else.
Indemnity plan + Vine
Pair Vine's everyday care with an indemnity plan's fixed-benefit catastrophic protection.
Health care sharing ministry + Vine
Sharing ministries handle catastrophic cost-sharing; Vine handles the everyday primary care most ministries don't.
ACA marketplace plan + Vine
Keep the ACA plan for ACA-required coverage; use Vine for everyday access.
Spouse's plan + Vine
Real primary care of your own, without navigating another network.
Compare
Vine vs. insurance vs. paying cash
The individual choice, side by side. Vine is not a substitute for a catastrophic plan — pair the two.
| Dimension | Traditional insurance | Paying cash at a clinic | Vine membership |
|---|---|---|---|
| Monthly cost | $200–$2,000+ | $0 | $70, flat |
| Deductible before benefits | $1,500–$7,500+ | N/A | None |
| Cost per visit | Full negotiated rate until deductible met | Full retail | Included in $70 |
| Consistent care team | Rotating in-network providers | Whoever's available | Yes — same team every visit |
| Generic prescriptions | Copays vary | Full retail | ~1,000 included at $0 |
| Mental health | Separate specialist authorization | Full retail | Integrated with care team |
| Annual wellness lab | Deductible often applies | Full retail | Included |
| Catastrophic protection | Yes | No | No — pair with a catastrophic plan |
Who it's for
Built for the person paying attention to what they pay for
Uninsured adults
Going without health coverage — because you can't afford it, because you're between jobs, or because the math didn't work. Vine is the everyday primary care access you've been going without. $70/month, no employer required, no medical underwriting.
Underinsured adults
You have a plan but can't actually afford to use it — high deductible, high copays, narrow network. Vine bridges the gap. Keep your existing plan for the catastrophic events it's designed for. Use Vine for the everyday care that plan makes expensive.
Adults on high-deductible plans
If your deductible is $5,000, $7,500 or higher, insurance is functionally invisible for everyday care. Vine covers the visits, prescriptions, and wellness labs that would otherwise be paid at full network rate.
Self-employed, gig, freelance
If your income is 1099, freelance, or otherwise not employer-benefits-eligible, you're on your own for healthcare. Vine works whether you're between clients or year-round on your own. No employer required.
Between-jobs adults
In transition — laid off, career-changing, or between employers. COBRA is often unaffordable and going without is risky. Vine gives you real primary care access without an employer, with a start date the same day you sign up.
Health care sharing ministry members
Sharing ministries handle catastrophic cost-sharing, but most don't handle everyday primary care visits, prescriptions, or wellness labs. Vine complements your ministry membership by covering the everyday care layer.
Common questions
Frequently asked
Want to see the enrollment and use flow end-to-end? See how Vine works.
Healthcare on your terms. Access changes everything.
Ready to see whether Vine works for you? Start your membership in minutes.