Leading Health System Joins Nomi Health Network to Provide $0 Out-of-Pocket Care
Nomi Health has announced a landmark strategic partnership with Henry Ford Health, one of the largest, most established, and most trusted health systems in the Midwest. The collaboration aims to eliminate out-of-pocket healthcare costs for Michigan employees and their families while helping employers stabilize—and even reduce—their rising benefits spend. By joining Nomi Health’s direct network, Henry Ford Health becomes a central player in an expanding movement to modernize how care is delivered and paid for, marking a significant evolution of the direct contracting model across the state.
As healthcare affordability becomes an escalating concern for American families and businesses, this partnership offers a timely and transformative alternative. Through the collaboration, Michigan employers gain access to Henry Ford Health’s vast network, which includes more than 550 care sites, over 50,000 team members, and more than 4,500 clinicians operating within the organization’s Mosaic Clinically Integrated Network (CIN). Participating employees and dependents will be able to receive primary care, specialty services, advanced procedures, and even virtual and home-based care—all with $0 deductibles, $0 copays, and no surprise medical bills.
A Critical Response to Rising Healthcare Costs
This move comes at a pivotal moment for Michigan employers. Health insurers in the state have recently filed for substantial premium increases for 2026—some reaching double-digit levels. These proposed hikes mirror national projections forecasting the sharpest rise in employer-sponsored health benefit costs in more than a decade and a half. Many employers are already struggling to manage healthcare spending, making workforce coverage one of the largest and fastest-growing business expenses.
At the same time, consumers are feeling the strain of healthcare inflation. Surveys now indicate that nearly 40% of Americans avoid or delay medical care due to cost concerns, a trend that directly contributes to worsening health outcomes, reduced productivity, and greater long-term financial burden for both families and employers. With deductibles and copays continuing to soar, the promise of $0 out-of-pocket care represents a substantial shift toward affordability and access.
By removing financial barriers for employees and their families, the Nomi Health–Henry Ford Health partnership provides a model that can help reverse these trends. The approach supports earlier diagnosis, timelier treatment, and a more proactive form of healthcare utilization—outcomes that benefit individuals while also reducing downstream expenses for employers.
A Shared Vision for Affordable, High-Value Care
Mark Newman, Co-Founder and CEO of Nomi Health, emphasized the significance of the collaboration in advancing a more accessible and sustainable healthcare landscape for Michigan:
Partnering with Henry Ford Health represents a major step toward a more affordable, accessible healthcare ecosystem for Michigan families. Combining our direct-to-employer model with Henry Ford’s longstanding high-value approach to care delivery creates a solution that removes financial barriers and keeps dollars in the community.”
Newman highlighted two core principles behind the partnership: bringing transparency to healthcare costs and ensuring that dollars spent on care stay within local systems and communities. Together, Nomi Health and Henry Ford Health are working to create a seamless experience that offers both convenience for employees and payment stability for healthcare providers.
What Employees Gain Under the Partnership
Under the new agreement, employees of participating self-insured Michigan employers gain streamlined, direct access to the full spectrum of Henry Ford Health services. These include:
- Primary and Preventive Care: Routine visits, annual check-ups, health screenings, and chronic disease management—all fully covered without copays or deductibles.
- Specialty Care: Access to specialists across fields such as cardiology, oncology, neurology, orthopedics, endocrinology, and more.
- Complex and Advanced Medical Procedures: Including surgeries, inpatient care, diagnostics, and interventions typically associated with higher out-of-pocket costs under traditional insurance models.
- Virtual Care and Telehealth Services: Enabling convenient remote consultations, follow-ups, and care management.
- Home Health Services: Extending care into the home for recovery, chronic condition monitoring, and medically necessary support.
This direct model dramatically simplifies the patient experience, eliminating confusion around billing, coverage limitations, or unexpected charges. Instead of navigating deductibles or receiving surprise bills after care, participating members can seek treatment knowing their costs are fully covered.
Michigan as a Leader in Direct Contracting
Michigan has long been receptive to innovative healthcare delivery and payment models. In recent years, the state has emerged as an early adopter of direct contracting—an arrangement in which employers partner directly with healthcare systems to provide care at guaranteed, transparent rates. This bypasses much of the administrative overhead associated with traditional insurers and can yield substantial savings while enhancing care quality.
Henry Ford Health’s partnership with Nomi Health broadens access to direct contracts for employers across Michigan, especially those that are self-insured and seeking predictable pricing and simplified benefits management. The collaboration enables employers to participate in a scalable model that delivers:
- $0 out-of-pocket costs for their employees
- Faster, more efficient payments to providers
- Reduced administrative burden compared to traditional insurance arrangements
- Better visibility into healthcare spending and utilization
The model also supports a more open, transparent healthcare marketplace—one where employers and employees can clearly understand the services they’re accessing and the value they’re receiving.
Streamlining Provider Payments and Operations
For providers, the partnership addresses ongoing challenges around reimbursement and administrative inefficiencies. Under traditional insurance structures, healthcare providers often wait weeks or months for payment and must navigate complex billing procedures and claim denials. These delays create financial uncertainty and increase overhead costs.
Nomi Health’s direct payment model offers a different approach. Providers receive fast, full payment, significantly reducing financial risk and easing administrative strain. This payment reliability allows clinicians to focus more on care delivery rather than back-office processes.
Nomi Health further enhances this model with digital payment solutions designed to streamline transactions, reduce errors, and lower operational costs. These efficiencies benefit not only Henry Ford Health but also the broader employer and patient ecosystem.
Henry Ford Health’s Commitment to Affordable Access
Robin Damschroder, Chief Financial Officer and President of the Value-Based Enterprise at Henry Ford Health, underscored the organization’s dedication to improving both access and affordability:
Our commitment to improving affordability and access to high-quality healthcare has never been stronger, and this partnership helps us deliver on that mission. We are proud to join forces with Nomi Health, who is equally committed to expanding access to high-quality, affordable care for employers and families across Michigan.”
Henry Ford Health’s extensive footprint across Michigan ensures that employees participating in the program will have access to high-quality care across urban, suburban, and regional communities. Their Mosaic Clinically Integrated Network is designed to support coordinated care, reduce duplication, enhance communication among providers, and ensure patients receive the appropriate level of care at the right time.
A Growing Model with National Momentum
The partnership also reflects Nomi Health’s rapidly expanding footprint nationwide. The company has been partnering with major regional health systems across the U.S. to extend its direct contracting model and redesign the way employer-sponsored care is delivered. In Michigan, Nomi Health continues to invest in local partnerships and infrastructure to support a smarter, more efficient, and more consumer-friendly healthcare experience.
As employers across the country look for innovative ways to manage rising healthcare costs while attracting and retaining top talent, the Henry Ford–Nomi Health collaboration sets a compelling precedent. It provides a scalable, transparent, and community-focused model that aligns the goals of employers, employees, and healthcare providers—making high-quality care more affordable and accessible for all.
About Henry Ford Health
Henry Ford Health is a premier healthcare services company dedicated to helping people live their best lives. Headquartered in Detroit for more than a century, the system includes more than 550 sites across Michigan and employs 50,000 team members who provide care ranging from primary, preventive, and urgent care to specialty and complex services, along with health insurance, pharmacy, eye care, home health, and virtual care. Henry Ford Health is also a leading academic institution, advancing clinical innovation, trials, and research while training the next generation of healthcare professionals. Committed to health equity, Henry Ford Health provides more than $780 million annually in uncompensated care and community benefit programs.
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