Medical Mutual, the Council of Smaller Enterprises (COSE) and the Toledo Regional Chamber of Commerce have worked together since 1991 to offer affordable health insurance to chamber member companies.

COSE Multiple Employer Welfare Arrangement (MEWA)

The Toledo Regional Chamber of Commerce has partnered with COSE and Medical Mutual to offer the COSE Health and Wellness Trust, also known as the COSE MEWA. This is a multiple employer welfare arrangement (MEWA) designed as a self-funded health benefit option for businesses with 50 or fewer employees.

Benefits of MEWA:

  • Offers a variety of different plan options, including traditional copay plans, health savings account (HSA) plans and health reimbursement account (HRA) plans.
  • More savings passed along to you and your employees because the COSE MEWA is not subject to some of the ACA-mandated benefits, taxes and fees.
  • May be less expensive than similar plans offered under the ACA.
  • Stop-loss coverage is available to protect from large financial losses.
  • Prescription drug benefits are included with every COSE MEWA plan.
  • Ancillary benefits such as dental, vision and life insurance can be added to the plan.

For more information about the COSE MEWA, visit

Other Plan Options

We want to make sure you select the right health insurance plan for you and your employees. If the COSE MEWA is not the right choice for your business, please consider ACA plans through the Toledo Chamber from Medical Mutual. View our compliant ACA plans, other self-insured plans and more. As a Toledo Chamber member, your business will receive a 1.4 percent premium tax savings on ACA group plans.

What’s Next?

Please contact your broker for more details or to request a quote. If you don’t have a broker, please call the Toledo Regional Chamber of Commerce at 1-419-243-8191 and they will help you find one. For more information about the COSE MEWA, visit