FOR INDEPENDENT BROKERS
Keep your client. Keep your consulting fee. Bring them something nobody else has.
Direct Pay Designs is a general agency built specifically for independent brokers. We design direct pay health plans with a Tier Zero foundation, and we pay you a flat consulting fee with no clawbacks and no declining schedule. You stay the broker of record. We stay backstage.
What You Gain.
A Flat Consulting Fee
Paid monthly. No clawbacks. No declining schedule.
Pharmacy Strategy That Works
Acquisition cost pricing. Specialty risk control. No PBM spread.
Network Flexibility
Build the network around the plan, not the other way around.
Direct Care Integration
Virtual urgent care, virtual primary care, DPC, behavioral health, baked in.
A Back Office That Has Your Back
Underwriting, implementation, RFP support, training. We join your first client call.
Stop Loss From Day One
Fully underwritten. Real downside protection, not a DPC clinic with a wish.
Three blueprints. One menu. Pick the one your client is ready for.
CashCare Core
The easy start.
Layer direct pay services onto your client's existing plan. No carrier swap. No disruption. Immediate member impact.
CareFlex
The renewal resue.
Better stop loss economics with direct pay services baked in. For clients with a renewal coming in hot.
CareComplete
Soup-to-nuts
Full plan build. Direct care on the front. Insurance on the back. Everything in between, ours.
Pick your blueprint. Or start with one and grow into the full integration.
Not every broker is a fit. And that is the point.
We work with a specific kind of broker. The kind that is tired of selling the same plan in a different jersey. The kind whose clients ask hard questions and deserve real answers. The kind who is ready to bring something different to a renewal and back it up with math.
You are a fit if:
You serve self funded or level funded groups with 25 to 5,000 employees.
Your clients are facing 30 to 40% annual renewal increases.
You want a partner who builds the product behind you, not around you.
You are willing to learn something new because the old playbook stopped working.
You are not a fit if:
You want a one-time deal and a referral fee.
You want to bolt a single service onto a BUCA plan and call it done.
You need a 1-800 number, not a partner.
How brokers actually get paid.
We do not pay commissions. We pay consulting fees. That is not a marketing trick, it is a structural difference. A commission is a transactional payment tied to a placement. A consulting fee is a recurring payment for the design work you do with us on behalf of your client. The work does not decline. The plan stays built. Your fee stays flat.
What that looks like in practice
Paid monthly, not in a lump sum on placement.
No clawbacks if your client makes a mid-year change.
No declining schedule that shrinks year over year.
Co-branded materials so the client sees you as the architect, not the middleman.
Want the full consulting fee schedule? Reply to your follow-up email with the word "schedule" and we will send it over.
Pilot Broker Cohort, 2026.
We are partnering with a small group of independent brokers in Indiana, Colorado, Central Florida, and the DC/MD/VA corridor as the first wave of Direct Pay Designs partners.
Early partners get co-branded materials, first access to the broker certification framework, and a seat on the Broker Advisory Council. Interested?
Ready to bring your client something different?
Hassle Free Healthcare. Built to Be Used. Rebels with a Blueprint, designing the health plan your renewal has been waiting for.
© 2026 MIST Solutions, LLC dba Direct Pay Designs. All rights reserved.