Small Group Health Plans

Fully Funded Small Business ACA Plans

With our fully insured Affordable Care Act (ACA) plans, premiums can only vary based on an employee’s age, location and tobacco use. To help control costs, we have customized offerings available, so your employees choose from a list of plans you select.

Self-funded MEWA Plans

Multiple employer welfare arrangement (MEWA) plans let employers pool their contributions and risk to offer attractive, affordable health benefits. We offer a wide range of MEWA plans through our partnerships with the Council of Smaller Enterprises (COSE), regional chambers and professional trade associations.

COSE Benefit Plan-affiliated Chambers

• Cincinnati Regional Chamber of Commerce
• Columbus Chamber of Commerce
• Erie County Chamber of Commerce
• Richland Area Chamber of Commerce
• Toledo Chamber of Commerce
• Wyandot Chamber of Commerce

Professional Trade Organizations

• Ohio Dental Association
• The Builders Exchange
• Greater Cleveland Automobile Dealers' Association

Balanced Solutions^® Level-funded Plans

Our level-funded product, Balanced Solutions, is an alternative health insurance option that can put unused health insurance premiums back in employers’ pockets. These innovative plans:

• Are available to groups with 10 to 50 employees (with a minimum of 10 enrolled)
• Include a variety of deductible amounts, and stop-loss coverage levels that limit your financial liability
• Offer predictable costs — even if your claims are greater than projected, your costs won’t exceed your predetermined up-front maximum

Additional Products

Consider offering additional products to strengthen your benefits package. Our options include dental, vision, life & disability products. If you are offering a high-deductible health plan option, you can also add on our health savings accounts and other spending accounts to help your employees manage medical expenses.

Access to High-quality Doctors and Hospitals

Our health plans give your employees options when seeking care. We have a statewide PPO network with access to nearly every healthcare professional in Ohio and 99 percent of hospitals. We also offer narrow HMO networks in specific areas that can provide you additional cost savings.