About Randolph Health Services
The People in the Most Pain Already Have Insurance.
One finding built this company. Everybody in this market sells coverage to people who have none. Almost nobody sells to the client who did everything right and still cannot afford to walk into a doctor’s office.
The finding
That Client Is Not Underserved. They Are Unserved.
They bought the plan. They kept paying the premium. They took the extra shift to afford it. And they still cannot use it.
That last number is the bridge. The underinsured are sitting inside the companies your clients work for — which is why this works on both sides of your book, retail and group.
What changed
Four Numbers Changed the Job This Year.
| What changed | Last year | This year |
|---|---|---|
| The average deductible | $2,759 | $3,786 |
| The premium they actually pay | $113 | $178 |
| Silver enrollment | 57% | 43% |
| Sign-ups, nationwide | 24.3M | 23.1M |
KFF · 2026 Marketplace analysis. The deductible rose $1,027 in a single year — the steepest increase in the program’s history.
Those households earn too much to qualify for help and not enough to absorb a $3,786 deductible. Self-employed. 1099. Commissioned. Small business. That is not a market segment — that is your client list.
The mistake everyone makes
The Deductible Is Not the Price of Care. It Is the Price of the Gamble.
Your client thinks they are making one purchase. They are making two — and only one of them is working.
Purchase one
Protection from disaster
The hospital stay. The surgery. The ambulance nobody planned for. That is what a deductible actually buys, and major medical earns its keep here.
Purchase two
The everyday care they already need
The prescription. The lab test. The visit that could not wait. Paid at full retail, unpredictably — or skipped entirely. Nobody ever fixed this one.
So this is not an added expense. They are already paying for everyday care — in cash, at retail, or by going without. We just make it a fixed number. Keep the big plan. Fix the everyday.
Two ways in
Run These Numbers Against Your Own Book.
Fifteen minutes with a Randolph Health Services principal, or start your contract now.
What Health Compass built
Two Products. One Idea.
Health Compass Inc.™ underwrites and administers both. Randolph Health Services markets them and contracts the agents who sell them.
For families
Vital Direct
A membership a family buys directly at $165 a month, whole family included. Virtual primary care, counseling, generic prescriptions and lab work — with no deductible to meet first.
- Virtual care only. Lab work is the one in-person exception.
- It is not insurance. Not available in New York.
- No insurance license required to sell it.
For employers
Vital 110
An ACA Compliant, Section 125 plan that adds everyday care beneath a company’s existing major medical — without changing the broker, the carrier or a single election.
- Includes in-person visits — urgent care and preventive screenings.
- Positioned as ACA Minimum Essential Coverage (MEC).
- An active health insurance license is required.
Where you fit
RHS Sits Between You and the Plan.
We are an insurance agency and independent marketing organization. Health Compass builds, administers and pays you. We contract you, train you and pick up the phone when something goes wrong.
And here is the part that matters: a member only stays enrolled if the product is actually helping them. The longer it helps your client, the longer it pays you. Your interest and theirs are the same interest.
Why now
November 1 Is on the Calendar Whether We Call You or Not.
We do not invent deadlines. This one exists on its own, and it is the moment your clients start looking for an answer.
Your clients are going to get that letter and call somebody. This year you can be the one with an answer instead of the one delivering the bad news.
What we stand for
Care You Can Actually Use.
Four words we measure every decision against. Not a promise about how somebody will feel — a plain statement about whether they can walk in and be seen.
Chief Executive Officer
Tyler Randolph
Leads the agent channel and holds the licensed appointments that Vital 110 enrollments route through.
Chief Operating Officer
Michael Bradburn
Runs the operation — onboarding, systems, and the day-to-day work of getting agents contracted and paid.
Three rules we do not break. We never ask a client to drop coverage. We raise the hard compliance questions ourselves and invite your client’s CPA. And we never invent a deadline.
Two ways in
Two Ways to Start.
Get contracted, or take fifteen minutes with a principal first.