HealthPartners launches simple, copay-only health plan

Simplica NextGen Copay plan provides costs up front, lets members compare providers, and can save employers up to 15% compared to other plan options.

BLOOMINGTON, Minn.--(BUSINESS WIRE)--HealthPartners is launching a variable copay benefit plan that aims to provide unparalleled transparency of cost and coverage to members.

HealthPartners Simplica NextGen Copay health plan has no deductible or coinsurance for in-network care, and members see what they’ll pay up front before scheduling. Copay amounts for specific services at each hospital or clinic vary based on the quality and affordability of the care delivered.

A key feature of the plan is the personalized digital experience fully integrated within a member’s HealthPartners account. Using HealthPartners’ Find Care tool, members can search by condition, provider or service; compare care options; and see their exact copay before scheduling. Members pay less when they choose care with better outcomes.

“We developed Simplica in response to the growing demand for more predictable benefits,” says Andrea Walsh, HealthPartners president and CEO. “This plan gives members the cost clarity and ease they expect from their health plan and guides them in making informed decisions about where to get the care they need.”

For example, the copay for an office visit will range from $20 to $150 depending upon the plan option, care site and service. Most same day labs and x-rays are bundled into the copay – helping reduce unexpected costs. Services that may require a separate copay are also visible through the Find Care digital experience. In addition, many virtual care options are covered at a $0 copay.

The plan will launch Jan. 1, 2026, and is initially available to large-group, self-insured employers in the Twin Cities metro and surrounding counties. Simplica can save companies up to 15% in claim costs and that translates into savings for employees.

“Unlike third-party platforms or standalone applications, Simplica delivers one seamless experience that makes it easier for members and employers to understand and manage costs,” says Moe Suleiman, HealthPartners senior vice president of health solutions. “This plan ties copays to provider value, guides members in real time, and delivers the digital-first convenience today’s workforce expects.”

For more information, visit the Simplica NextGen Copay website.

About HealthPartners

HealthPartners is a nonprofit organization with a mission of improving health and well-being in partnership with its members, patients and community. An integrated system of care and coverage since its founding in 1957, HealthPartners operates hospitals and clinics, health plans, and a research and education institute. The Minneapolis-based organization serves more than 1.3 million patients in Minnesota and Wisconsin and 1.7 million medical and dental health plan members nationwide. For more information, visit healthpartners.com.