A hybrid model where employers pay a fixed monthly amount covering claims, admin, and stop-loss insurance with potential refunds if claims come in under budget. It offers the cost-control benefits of self-funding with the predictability of a fully insured plan. Ideal for small to mid-size businesses looking to save without taking on full financial risk.

>Ideal for 2-200 Employees

>From ~$350+/mo per Employee

The traditional group health insurance model where the employer pays a fixed monthly premium to an insurance carrier, which assumes all financial risk for claims. Coverage, compliance, and claims management are handled entirely by the insurer. Best suited for small businesses that want simplicity and predictable costs with no claims exposure.

>Ideal for 2-100 Employees

>From ~$550+/mo per Employee

The employer assumes direct financial responsibility for employee health claims rather than paying premiums to a carrier, typically pairing with stop-loss insurance to cap exposure. This model offers maximum flexibility, transparency into claims data, and significant cost savings when claims are well-managed. Best for large, financially stable organizations with the capacity to absorb claims variability.

>Ideal for 250+ Employees

>From ~$250+/mo per Employee

A supplemental plan that covers out-of-pocket costs left by primary health insurance — such as deductibles, copays, and coinsurance — helping employees avoid unexpected medical bills. It's typically offered alongside high-deductible health plans to bridge the financial gap for employees. Suitable for employers of any size who want to enhance benefits affordability without redesigning their core plan.

>Ideal for Any Size Employer

>From ~$20+/mo per Employee

Gap insurance is a supplemental add-on and must be paired with a primary health plan — it does not function as standalone coverage.

A low-cost plan that satisfies the ACA's employer mandate by providing basic preventive care — such as annual exams, immunizations, and screenings — without comprehensive medical coverage. It protects employers from ACA penalties while offering employees access to essential preventive services at a minimal premium. Ideal for large employers with variable-hour or part-time workforces who need affordable, compliant coverage.

>Ideal for 50+ Employees (ALEs)

>From ~$50/mo per Employee

MEC does not replace major medical insurance. Employees should be aware this plan covers preventive services only and does not include hospital, specialist, or prescription coverage.