Imagine360 and Health Rosetta Combined DPC With a New Self-Funded Health Plan. The 2027 Rollout Uses Health Rosetta's Advisor Support Model.

Commercial healthcare costs are projected to grow 9 percent in 2027, according to PwC’s annual medical cost trend report. That’s the highest rate in nearly two decades. Employers finalizing 2027 benefits right now are working inside that number.

On July 21, Imagine360 and Health Rosetta released Choice360 via press release, with the plan slated to be introduced at RosettaFest 2026 later that month. It’s a self-funded employer health plan that combines a simplified plan model with a select group of integrated solution partners across direct primary care, mental health services, telehealth, and oncology support. The offering is for forward-thinking advisors and plan sponsors, available for the Jan. 1, 2027 plan year.

What Each Company Brings

Imagine360 is an alternative health plan for self-funded employers. Its model combines preferential provider contracting with reference-based pricing, and the company reports average savings of 15 to 30 percent compared to national carriers.

Health Rosetta is a public benefit corporation focused on improving the healthcare system through a network of accredited benefits advisors. It works with employers to design and implement transparent, high-performance health plans. Health Rosetta’s accredited advisor network numbers more than 200.

Choice360 joins the two. Imagine360 supplies the plan and its administrative services, and Health Rosetta contributes solutions that support implementation, compliance, analytics, and ongoing plan management. Health Rosetta reviewed Imagine360’s administrative services through its Nautilus evaluation framework before the two organizations built out the offering together.

What the Plan Structure Does

Choice360 combines a simplified health plan model with direct primary care, mental health, telehealth, and oncology as integrated solution partners. The offering brings these service categories into a single plan structure, supported by a coordinated implementation experience from Imagine360. The release notes that the plan preserves flexibility for individual employers and lists plan design options among the components of the standardized offering, so the specifics of how DPC is made available in different employer configurations are a product detail the 2027 rollout will make concrete.

The release does not frame the offering in terms of where DPC sits in an employer’s evaluation sequence. The release’s stated goals are reducing advisor complexity, delivering savings, and improving affordability and member experience.

Whether combining DPC with the plan model changes how often employees actually use a primary care doctor is what the 2027 plan year will start to answer.

The Distribution Channel

The release is addressed to advisors and plan sponsors, and the offering uses Health Rosetta’s advisor support model. That model is oriented toward high-performance plan design, and Health Rosetta’s accredited network numbers more than 200. The release describes the goal as making it easier for advisors to deliver a consistent employer experience.

Choice360 is launching in select markets initially, with plans to expand.

What To Watch

The first signal from Choice360 is how many employers select it during open enrollment, which Imagine360 and Health Rosetta would need to report publicly for the number to be checkable.

The more telling data comes later in the plan year: whether DPC utilization among Choice360-enrolled employees runs higher than what plans that offer DPC as a separate election produce. If the bundled structure changes behavior, the difference should appear in claims data or encounter volume by mid-2027. If utilization looks similar, the structural change was primarily a distribution story.