our part :: access.

Tonik is a health plan we’ve designed for “young invincibles.” Justin Doss (at right in the photo) is a 26-year-old information technology professional in Oxnard, California, who was uninsured—until he went to tonik.com. There he found health insurance that speaks his language and three plans with monthly premiums of $80 or less. Justin chose the “Calculated risk-taker” plan.

All Tonik plans include doctor visits with co-pays of $20 to $40, as well as low-cost health screenings, to encourage members to use preventive health services and take care of ailments before they get worse. To keep things simple, eyeglasses and dentist visits are also included without the need for separate vision or dental policies. And Tonik plans offer discounts on services, such as fitness center memberships, that are attractive to young people who think they’ll never have to use their medical coverage.