Target Markets and Products

 Under the rules of the Affordable Care Act (Obamacare), all companies with 50 or more employees must offer a minimum level of coverage to their employees. We solve this challenge by researching the best-in-class MEC (minimum essential coverage) and MVP (minimum value) for the specific industry and location of the client. The assures full compliance with the Affordable Care Act and the maximum retention and recruitment results for the client company. 

Many small businesses cannot afford traditional major medical coverage for their employees. We provide affordable solutions using MEC-style plans or government-subsidized options. Many employers do not offer health insurance, so we provide information on subsidized individual and family options, along with more affordable group benefits.

Many workers find they cannot afford payroll deductions, so do not take the plans offered at work. Most of these individuals qualify for government assistance that pays all or part of the cost. Recently laid off, or employed where plans are unavailable, either way, it is likely there is a subsidized option available to provide full coverage at little or no cost to the individual. 

The so-called “Family Glitch” leaves millions of family members without coverage, even if the employer provides coverage for the head of household. We can fix this glitch and cover the rest of the family. Most employers offer affordable coverage to the employee but no contribution to the cost of adding family members. The government has recognized this and now (as of 2023) provides separate funding to help cover family members.