OffPlan Just Raised $2.5M on a Bet That 80% of Healthcare Doesn't Need Insurance

Greg Rable has sold three companies. Derivion to FIS. FactorTrust to TransUnion. QuidMarket to Propel Holdings. Now he wants to sell patients on the idea that most of their healthcare should never touch an insurance company.

Rable is co-founder and CEO of OffPlan, a membership-based healthcare platform that announced a $2.5 million seed round on June 17. His company’s core claim: roughly 80% of healthcare use is routine and predictable. Running it through insurance machinery built for catastrophic events is what drives everyday healthcare costs.

What OffPlan Actually Does

OffPlan bundles three things. A direct primary care membership covers everyday care: same-day appointments, chronic disease management, virtual access, no claims administration. Transparent specialty pricing means negotiated costs for specialist visits, set upfront before a patient schedules. Catastrophic coverage handles the situations that genuinely warrant insurance.

The company partners with independent, physician-owned practices, a deliberate choice that maps to what most DPC physicians want: control over their practice, longer visits, and patient relationships not interrupted by insurance workflows. Co-founder Omar Fernandez, who has 25 years of healthcare operations experience and previously founded Sabio Health to support independent primary care practices, leads the commercial side.

Initial markets are Florida and Virginia. Nationwide expansion is planned across two years.

The Founders’ Bet

“Healthcare has become increasingly unaffordable because the system treats everyday care like a catastrophic insurance event,” Rable said in the announcement.

His co-founder’s framing was sharper. Fernandez described OffPlan’s goal as building a new operating model, not adjusting the current insurance system. Whether that holds in practice depends on whether the company can acquire enough physician partners, employer contracts, and patient volume to matter.

The founding team is unusual for a healthcare startup. Rable’s exits were in fintech: credit data platforms, consumer lending infrastructure. Fernandez has worked directly with independent primary care practices. A serial tech entrepreneur paired with a healthcare operator who has already worked through the physician relationship problem once is a more credible combination than most seed-stage pitches.

Where This Fits

OffPlan isn’t working in isolation. Mending recently exited its insurance carrier role to focus on connecting DPC practices with self-funded employers. Individual coverage health reimbursement arrangements give employers flexibility to route workers toward DPC-compatible plans. The HSA rule that took effect January 1, 2026 made DPC memberships a qualified medical expense for account holders in high-deductible plans.

The pattern across all of it: traditional group insurance is losing share to configurations where DPC handles routine care and insurance handles catastrophic risk only. OffPlan is packaging that shift as a product.

A $2.5 million seed is a small bet by venture capital standards. It funds a platform launch in two states. The company will need physician partnerships and employer contracts before it can grow past Florida and Virginia.

What This Means

The model OffPlan is describing has circulated in DPC circles for years. A DPC membership paired with catastrophic-only coverage is the standard recommendation for patients who ask what to do when they can’t afford traditional insurance. The persistent gap has been the middle layer: specialist care and imaging, the 20% of healthcare that’s neither routine nor catastrophic.

OffPlan’s transparent specialty pricing is meant to fill that gap. Whether it does depends on whether the pricing it negotiates covers what patients actually need, and whether patients can track three separate components of a benefits structure.

Six months into the HSA rule change, DPC practices found that patients still struggle with basic navigation questions: Does this replace insurance? What happens with imaging? What if I change employers? OffPlan’s three-part structure gives patients a more complete picture, but only if they can follow it all the way through.

DPC practices in Florida and Virginia should pay attention. A platform that channels patients toward DPC memberships while handling the specialty and catastrophic layers could open a real patient acquisition channel. The question is whether OffPlan makes the complexity manageable or adds a new layer to a problem the industry hasn’t solved yet.

Rable’s background is in fintech, where the product works if users behave like consumers. In healthcare, that’s not always a safe assumption.