Join more than 7,500 small businesses who save on health benefits. We partner with local chambers and the Council of Smaller Enterprises (COSE) to offer you the COSE Benefit Plan, also known as the COSE multiple employer welfare arrangement (MEWA). This is a self-funded benefit option that helps small business employers and their employees manage the increasing cost of healthcare benefits and provides the same great health benefits that large corporations offer.

Icon of small business storefront

What the COSE Benefit Plan Offers

  • Coverage for businesses with 50 or fewer employees, including business owners with no employees
  • Various plan options, including traditional copay plans and high deductible plans
  • Potential cost savings - self-funded plans are not subject to some ACA-mandated taxes, fees and benefits, and your good health can be reflected in lower premiums
  • Stop-loss coverage to provide additional protection from large financial losses
  • Prescription drug benefits with all plans
  • A suite of wellness programs designed to promote healthy behaviors
  • Medical Mutual's local customer care team, available through phone or email nearly every day of the week

How to Sign-up

If you qualify for the COSE Benefit Plan, you must join COSE and/or one of the affiliate chamber partners before officially enrolling in the plan. Affiliate chamber partners include:

Icon of star

Bundle with Specialty Products

To help cover all your employees’ benefit needs, we provide a variety of specialty products, too. With access to local Sales and Customer Service teams, we make it easy to offer a fully integrated benefits package to your employees. Our offerings include:

  • Dental
  • Vision
  • Life & Disability
  • Accident, Critical Illness and Hospital Indemnity