Serving patients across .
For Employers
VirtualMD for Employers
The Zero-Copay Alternative to Overpriced Group Health Plans and high premiums.
Cut out the middleman. Give your team instant, zero-friction medical care starting at $83/month per employee—without the legacy insurance premium markups for primary care.
VirtualMD provides comprehensive virtual primary care, but we are not an insurance policy for catastrophic events.
The 2026 WA State Small Business Healthcare Crisis is Real
Traditional employer-sponsored health insurance premiums have skyrocketed to an average of $9,325 for individuals and a staggering $26,993 for families. With group health insurance costs projected to jump another 8.5%, Washington State business owners are stuck choosing between two terrible options: paying a premium they can't afford, or offering their team nothing.
There is a third option. Give your employees direct, 100% virtual access to a dedicated Internal Medicine physician starting at just $83/month.
Addressing the Elephant in the Room
"What about the insurance we already have?"
You don't need to replace your existing health insurance plan to use Direct Primary Care (DPC). VirtualMD is the defensive shield that sits in front of it.
Nearly 80% of all everyday medical needs—from sudden infections and medication management to chronic diseases and mental health—can be safely handled virtually by a primary care doctor.
Scenario A: You Already Offer Traditional Insurance
- The Problem
- Your employees are terrified to use it because of high deductibles and $50 copays. They ignore small health problems until they turn into expensive emergency room visits, driving up your premium renewals.
- How We Fit In
- We become their first stop. By handling routine care virtually with $0 copays, we keep minor issues out of your major medical claims data.
- The Result
- You can confidently switch to a Lower-Premium High-Deductible Health Plan (HDHP) and save thousands per employee.
Scenario B: You Don't Offer Health Insurance At All
- The Problem
- You want to take care of your people, but a traditional group health plan will break your cash flow.
- How We Fit In
- You provide VirtualMD as a standalone, meaningful health benefit.
- The Result
- Your team gets an elite, ongoing medical relationship, and you protect your bottom line with a flat, predictable monthly expense.
The Math: See How Much You Actually Save
Based on a typical 10-employee Washington business with workers aged 18–40:
Traditional Group PPO Insurance
$93,250 / year
What Your Employees Pay to See a Doctor
High deductibles + copays for every visit.
VirtualMD DPC Membership
$9,960 / year
What Your Employees Pay to See a Doctor
$0. Unlimited virtual care is fully covered.
THE BOTTOM LINE
You Save $83,290 / year
Your team gets instant, zero-friction medical care.
Figures reflect the monthly membership. A one-time $99 registration fee per employee applies at enrollment — $990 for this 10-employee example, making first-year savings $82,300 and $83,290 every year after.
Transparent Monthly Pricing
Need to mix and match ages? Our pricing scales predictably:
Employees ages 18–40
$83/month
Employees ages 41–64
$113/month
Plus a one-time $99 registration fee per employee at enrollment.
What Makes VirtualMD the Smartest Choice?
No More Waiting Rooms
Your employees get same-day virtual sick visits when appropriate, meaning they don't have to miss a half-day of work sitting in an urgent care lobby across town.
A Doctor Who Actually Knows Them
They get a continuous relationship with a real, board-certified Internal Medicine physician—not an anonymous helpline or an AI chatbot.
Guaranteed Corporate Privacy
You sponsor the benefit, but you never see their medical data, diagnoses, or lab results. Their health privacy is completely locked down.
Local Washington Care Coordination
If an employee genuinely needs an in-person specialist, an X-ray, or an emergency room, we don't cut them loose. We actively coordinate their next steps right here in Washington State.
Choose Your Business Size: How VirtualMD Saves You Money
Whether you are completely exempt from insurance mandates or legally forced to provide coverage, VirtualMD acts as a powerful financial shield for your cash flow.
Under 50 Employees
- Your Legal Status
- 100% Exempt from ACA Insurance Mandates.
- The Strategy
- Standalone Health Benefit.
- The Traditional Path
- A standard group health plan for 20 employees costs an average of $186,500/year—a non-starter for many small businesses.
- The VirtualMD Path
- Sponsoring a membership for 20 employees (ages 18–40) costs exactly $19,920/year.
Net Corporate Savings$166,580 / year
Why It Works For You: You get to compete with corporate giants for top-tier talent. You offer a premium, highly desirable health benefit that keeps your team healthy and at work, while keeping your monthly liability completely flat and predictable.
50+ Employees
- Your Legal Status
- Mandated to provide health coverage or face penalties.
- The Strategy
- Premium Defensive Shield.
- The Traditional Path
- Providing a low-deductible PPO plan for 60 employees runs roughly $559,500/year—plus massive premium hikes when employees overuse it.
- The VirtualMD Path
- You switch to a High-Deductible Health Plan (HDHP), dropping your premium by ~20%. Assuming all 60 employees are ages 18–40, adding VirtualMD would cost $59,760, resulting in net annual savings of $52,140.
Net Corporate Savings$52,140+ / year
Why It Works For You: By routing up to 80% of everyday medical issues (refills, minor infections, routine management) to our virtual clinic for $0 copays, those claims never hit your insurance data. You successfully compress your claims history, locking in lower renewal rates year after year.
Executive FAQ: For the Decision Maker
If I have under 50 employees, am I exposed to any tax penalties or COBRA liabilities by offering this?
No. Because you have fewer than 50 full-time equivalent employees, you face zero ACA penalties. Furthermore, because VirtualMD is a direct primary care membership and not an insurance product, it does not carry traditional group health insurance administrative overhead. If an employee leaves your company, you simply remove them from your monthly billing roster.
For companies with 50+ employees, how do high-deductible health plans (HDHPs) and HSAs integrate with VirtualMD?
VirtualMD complements an HDHP beautifully. By providing your employees with a 100% virtual doctor for routine care, they don't have to chip away at their high personal deductible for everyday issues. Regarding Health Savings Accounts (HSAs), federal guidelines require careful structuring; we recommend that employers consult their tax professional or HSA administrator to confirm how DPC monthly fees interact with their specific account setups.
What happens if an employee needs an in-person emergency room, an X-ray, or a hands-on specialist?
VirtualMD provides comprehensive virtual primary care, but we are not an insurance policy for catastrophic events. If an employee requires physical imaging, an ER visit, or specialty surgery, those services are routed directly through their major medical insurance policy. However, we don't just abandon them—our clinic handles local Washington care coordination to guide them smoothly to the right local facility or provider.
Is this a standard business tax write-off?
Yes.
Standard Business Deduction: Your monthly corporate sponsorship fees are classified as a standard, deductible ordinary business expense.
0% Payroll Tax Liability: Contributions are completely exempt from employer and employee FICA payroll taxes.
HSA Approved: Fully aligns with federal guidelines, allowing tax-free HSA dollars to cover 100% of our monthly membership tiers.
Is my company on the hook for employee medical data, or do we have HIPAA exposure?
None whatsoever. Your employee’s medical data remains strictly confidential between the patient and their physician. Sponsoring or contributing toward a membership does not grant the employer access to diagnoses, lab results, prescriptions, or protected health information.
Bring VirtualMD to your team
Flat monthly cost per employee, zero copays for routine care, and a board-certified Internal Medicine physician across Washington State.