Real protection for the what-ifs — without the premium that comes with it.

A member-owned plan built for people who are healthy, self-employed, or just done overpaying. See any provider. No networks. One deductible per incident, ever.

See My Estimated Cost →Call 505-585-2345

Member-owned, not investor-owned

DPC + Wellness + Catastrophic, bundled

01 — Sound familiar?

Does this sound like you?

You're basically healthy.

You don't need everything a traditional plan bundles in. You need a real safety net for the unexpected, priced like one.

Premiums are too expensive.

You just need something reasonable to cover the what-ifs — not a plan built to fund a shareholder's profit.

You want to retire early.

Crushing monthly premiums are the only thing standing between you and stepping away from a job you've outgrown.

Your family plan costs too much.

If your employer's family tier eats half your paycheck, there's a better way to cover the people who depend on you.

02 — The model

How Well Life ABQ works

An advanced primary care membership and coverage for the big stuff.

True Medical Home

Well Life ABQ is your primary care true medical home. We manage all of your routine care.

Wellness

Access your wellness benefits throughout the year as needed. Submit expenses online and get reimbursed.

What Ifs?

Break an arm? New diagnosis? You access the healthcare system normally, but state you're self-pay. Call the Cooperative right away — they negotiate rates and can even pay upfront for the bigger expenses.

Covers new diagnoses and acute events — not ongoing chronic care for pre-existing conditions.

One deductible per medical event. Break your arm on December 30th and you're not paying two deductibles just because the calendar flipped.

03 — What's included

Three layers, working together

Built for someone who's generally healthy, or managing a stable chronic condition without expensive ongoing medications.

Advanced Primary Care — Your Medical Home

$0 for routine visits and simple acute care. Manages your ongoing chronic care. Discount labs and prescriptions are available.

Wellness (Preventive) Reimbursements

Submit a receipt. Get reimbursed. Deductibles do not apply. Annual caps, per member.

Up to $4,500/yr

Preventive Medical Exams

Annual wellness bloodwork, mammograms, ultrasounds, MRIs, colorectal screening (colonoscopy or Cologuard)

Up to $3,000/yr

Mental Health & Counseling

Outpatient counseling and virtual therapy (BetterHelp, Talkspace, Online-Therapy.com)

Up to $500/yr

Nutritional Health

Nutritional counseling, meal planning, structured weight-loss programs

Up to $500/yr

Tobacco Cessation

Quit resources and programs

Up to $250/yr

Physical Health & Fitness

Gym memberships or digital fitness apps (Peloton, Alo Moves, Obé)

Up to $250/yr

Preventive Dental

Routine exams, cleanings, X-rays, sealants, fluoride

Up to $250/yr

Preventive Vision

Routine eye exams and vision screenings

$0, unlimited

Virtual Health & Telehealth

On-demand virtual primary, pediatric, urgent & behavioral care

Major Medical / Catastrophic — Co-op Direct

For the big, unexpected stuff — above your per-incident deductible, without restrictive PPO or HMO networks.

Hospital care: inpatient stays, surgeries, ER visits, outpatient procedures

Specialist & diagnostic care for major diagnoses: MRIs, CT scans, ongoing injury treatment

Maternity: prenatal, delivery, postnatal (subject to pre-existing eligibility rules)

Severe mental health needs: inpatient or major behavioral health care

Prescription discounts through a national pharmacy network

No network restrictions — see any licensed provider as a self-pay patient

One deductible per incident — capped at two per family, per year

Submit your itemized receipt in the member portal — reimbursed in 48–72 hours

Planning a larger procedure? Notify Member Support ahead of time — the Cooperative negotiates cash-pay rates with providers and attempts to pay in advance.

04 — Estimated cost

See what you'd pay

Every member is priced by age and the deductible they choose.
Sample rates below — Individual and Family, at the $1,000 and $4,000 deductible tiers.

Age band

Individual — $1k / $4k

Family — $1k / $4k

Under 30

$390 / $325

$1,153 / $1,023

$390 / $325 · $1,153 / $1,023

30–39

$419 / $341

$1,211 / $1,055

$419 / $341 · $1,211 / $1,055

40–49

$453 / $359

$1,279 / $1,091

$453 / $359 · $1,279 / $1,091

50–59

$557 / $414

$1,487 / $1,201

$557 / $414 · $1,487 / $1,201

60–64

$652 / $465

$1,677 / $1,303

$652 / $465 · $1,677 / $1,303

Per member, per month. Includes DPC membership. Other options include Individual+Spouse, Individual+Child(ren), and tobacco pricing — shown when you get your personalized quote.

Not sure which deductible fits your budget?

Get a personalized quote for you and your family — every tier, every deductible, tobacco pricing included. Takes about 2 minutes.

Get Your Personalized Quote →

05 — What happens when the unexpected hits

Break a leg on December 30th?

One deductible covers the entire event — start to finish. Choose the best provider at every step, because you're not restricted by a network.

Ortho / Surgery

Follow-up

Physical Therapy

One $1,000 deductible

Covers the whole event — ER through physical therapy — no matter how many providers or visits it takes.

06 — Which door do I use?

Two ways to get care

Advanced Primary Care

Your Medical Home

$0 for routine visits and simple acute care needs. This is your first call for anything that isn't an emergency.

Urgent Care

After hours & while traveling

Covered up to $2,000 per year — a first-dollar benefit, so you don't need to meet your deductible. Use it when you can't get in to see your medical home provider.

07 — FAQ