Health insurance solutions for employers.

With group health insurance, the employer selects a group plan or set of plans and contributes toward employee premiums. Coverage is offered through established carrier networks, such as Blue Cross Blue Shield, United Healthcare, Aetna, etc., and typically includes major medical, prescription drug, and preventive care services.

Reference-based pricing is an alternative approach to traditional network-based health insurance. Instead of relying on negotiated provider networks, these plans reimburse healthcare services based on a transparent benchmark, often tied to Medicare rates. This structure can significantly reduce overall healthcare costs while promoting price transparency and informed decision-making.

Minimum Essential Coverage, often referred to as MEC, provides a foundational level of health insurance coverage that satisfies Affordable Care Act requirements for employers. MEC plans are designed to cover preventive services and essential benefits, but do not provide comprehensive major medical coverage. These plans are commonly paired with supplemental benefits or used as a cost-effective compliance solution.

A Health Reimbursement Arrangement (also known as an HRA) is a defined-contribution health insurance solution that shifts plan choice to the employee while allowing employers to control costs. Instead of sponsoring a traditional group plan, employers provide a fixed monthly allowance that employees use to purchase individual health insurance coverage.