Our Story


The Access Health Mission

Access Health Inc.'s  mission is to provide creative, innovative health and coverage solutions to drive affordable and high quality care experiences that lead to optimal health.

Our Core Values

Innovation, active member engagement, continuous health improvement, affordability, and sustainability form the core values at Access Health. These values are reflected in our actions and policies.

Our Model

The Access Health model provides innovative coverage and health solutions designed to achieve the following triple aims:

  1. Better health care
  2. Better health quality
  3. Lower healthcare costs

Our Products

C3 Health Plan: an affordable, community sponsored health coverage for eligible uninsured individuals in the Greater Muskegon area. As a result of receiving Minimum Essential Coverage designation in 2014, the C3 Health plan ensures that participating members have coverage meeting the federal mandate for individuals. Members will not be subject to the IRS penalty for failure to comply with the mandate for the duration they are covered by C3 Health.

Continuous Health Improvement (CHI): this health improvement wellness program actively helps individuals achieve and maintain their optimal health. This program favorably impacts cost through health risk management for participants. The CHI process was developed for the C3 Health plan members and is now available to mid-sized employers based in Muskegon County seeking to lower the cost of health care while maintaining health care quality.

Third Party Administrator (TPA) Services: Access Health's subsidiary, AH Services, is licensed to offer TPA services to area mid-sized employers who are self-insured. AH Services provides these employers with the CHI program to help manage their health risks and improve the health of their workforce in support of improving the health and economic viability of our community.

Access Health’s History of Innovative Solutions

We began from an innovative plan for health coverage for low income, uninsured individuals and their families: Access Health launched in September 1999 after a two-year community wide effort to design and develop a health coverage product for low income, uninsured individuals in the small group market. Our community based C3 Health Plan involved stakeholder partnerships between consumers, providers, businesses, health advocacy groups, and civic organizations. We rely on community involvement to provide a bottom-up, financially sound health coverage model.

Access Health has worked to meet the triple aims of an Accountable Care Organization  (ACO) model even before such a model existed: Access Health fully implemented its community multi-share model of care integration and shared risks by 2003, preceding the Federal concept of ACOs in the Affordable Care Act. As such, Access Health’s coverage model over the years has demonstrated sustainable achievement of the triple aims of health reform:

  1. Better health care
  2. Better health quality
  3. Lower healthcare costs

Access Health is governed through a collaborative community shareholder partnership: The non-profit’s Board of Directors represents a cross section of the community including small business owners, providers, and civic leaders.

Access Health’s C3 Health is the first plan in the nation to be explicitly approved as Minimum Essential Coverage by the US Department of Health and Human Services: As a result of receiving Minimum Essential Coverage designation in 2014, the C3 Health plan ensures that participating members have coverage meeting the federal mandate for individuals. Members will not be subject to the IRS penalty for failure to comply with the mandate for the duration they are covered by C3 Health.

Access Health also demonstrated success in managing Muskegon’s County Health Plan for the state: Until 2014 Access Health managed the Muskegon County Health Plan for its eligible indigent population. Using some of the health risk management processes developed for the C3 Health Plan, Access Health demonstrated a 35% savings in health cost, compared to the state average for all other county health plans for over a decade. These savings were reinvested in other population health improvement initiatives to extend the community’s safety net.

AH Services provides Third Party Administrative services for claims processing and facilitates stop loss coverage: Access Health, through its AH Services subsidiary, supports self insured plans sponsored by mid-sized employers operating in Muskegon County, and provides Third Party Administrator (TPA) services for claims processing and facilitating stop loss coverage through an employer owned medical group services. The CHI process is among the services provided with the traditional TPA services

Access Health developed a Continuous Health Improvement program to manage risk, improve health, and increase savings: To manage the risk for individuals and those associated with the service arrangements, Access Health provides a Continuous Health Improvement (CHI) program originally developed for C3 Health. The CHI program uses Health Analytics and predictive modeling to identify risks and drive population health improvement activities through member engagement and health coaching. One participating employer with 500 employees has estimated savings from the CHI program to be $1.5 million over the course of three years.