Health insurance costs rising in 2027?
One flat monthly membership covers your everyday care, near Gainesville, Ocala and Micanopy.
Insurance costs are going up
- Florida individual plans: about 10% higher on average for 2027, before subsidies. (Florida insurance regulator)
- Employers: health benefit costs about 8% higher per employee in 2027, the most since 2003. (Marsh preliminary survey)
Key dates
- November 1, 2026: open enrollment starts
- December 15, 2026: last day for coverage starting January 1
- January 15, 2027: last day to enroll; coverage starts February 1
After January 15, you can enroll only if you qualify for a Special Enrollment Period. Dates are from HealthCare.gov.
Our answer: Direct Primary Care
Your primary care through one flat monthly membership with our clinic, instead of a copay every time you see the doctor.
Membership is not health insurance and does not replace it.
What membership covers
- Unlimited office visits, with no copays
- Same-day and next-day appointments
- Text, call or email your doctor
- Telehealth visits
- Checkups, screenings, and care for illness and chronic conditions
- Most in-office tests
Not included: lab draws, send-out lab tests, and medications.
Employers facing renewals
For businesses in Alachua and Marion counties, one flat monthly price covers primary care for your whole group, alongside the insurance you keep.
Ask us for a quote, or see how employer plans work.
Prices
| Ages 0 to 17, with a parent or guardian enrolled | $30 a month |
|---|---|
| Ages 18 to 44 | $80 a month |
| Ages 45 to 64 | $95 a month |
| Ages 65 and over | $120 a month |
| Agora Well Plan: functional or longevity medicine | $150 a month |
| Agora Home Plan: your medical care at your home or office | $300 a month |
No enrollment fee. New members pay the first three months up front, then month to month. See full plan details.
Close to home
- Your doctors: Jason Pfaffly, M.D., and Mallory Pfaffly, M.D.
- Where: 504 NE Cholokka Blvd, historic Micanopy
- Drive: about 15 minutes from Gainesville, 35 from Ocala
- House calls: in both cities, with the Agora Home Plan
Directions from Gainesville, FL in Google Maps
Directions from Ocala, FL in Google Maps
See care details for Gainesville and Ocala.
Questions
Does membership count toward my deductible?
No. We don’t bill your insurance for anything membership covers.
How do I join?
Register online, or call or text (352) 619-9526.
Ready to join?
Register online, or call or text the office with your questions.
Become a member Call (352) 619-9526
504 NE Cholokka Blvd, Micanopy, FL 32667
Monday to Friday, 8:30 AM to 5 PM