We now offer MEC plans.
View the 2023 IHP Benefits Proposal →
Who We Are
We partner with “best in class” insurance carriers and other industry vendors to provide one consolidated benefit package to clients. They service more than 300 employer groups ranging in size from 10-4000 covered lives.They provide our benefit plans to more than 50,000 members throughout the U.S. We pride ourselves in providing a variety of product options with excellent customer service. Our clients compliment us on our flexibility, responsiveness and ability to create solutions for their employees.
What We Offer
We provide solutions to many employer benefit plan challenges:
Health Insurance for the Hourly Employed Populations and workers that would not typically purchase major medical insurance. Designed to provide solutions for employers in addressing the “Minimum Essential Coverage” and “Minimum Value” requirements, and tax penalties imposed by health care reform, as well as provide valuable coverage for employees.
Gap Plans designed to supplement existing comprehensive major medical plans. Our Gap plans cover out-of-pocket expenses like co-pays, co-insurance, and deductibles which reduces a member’s overall costs for inpatient and outpatient services.
We offer a wide variety of products and plan designs including:
| Gap Plans – All industries | Limited Benefit Medical Plans (Fixed Indemnity) |
Minimum Essential Coverage Plans (MEC)
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Ancillary Benefits Including:
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| Hospital Indemnity Plan (Buy-up for MEC Enhanced) | Bronze Minimum Value Plans |
Sample Targeted Industries with Large Hourly Populations
Below is a sampling of industries that we work with routinely in providing benefit plan solutions:
| Cleaning, Janitorial | Home Health / Nursing | Security |
| Staffing | Construction / Manufacturing | Restaurant / Hotel |
| Home Health Care | Nursing Homes | Trucking / Driving |
| Warehousing / Distribution | Business / Marketing | Call Centers |
We will be happy to provide you with a quote. We only need the following information:
- Date of birth and gender for all eligible employees
- Group headquarters location
- Employer contribution level
(Note: Need zip codes for Minimum Value Plans.)
Quotes usually take 2-3 days depending on what’s being quoted.
ACA Penalties for 2020
Employer penalties still apply for employers with 50 or more full-time employees.
- 4980 (H) a: must offer Minimum Essential Coverage to at least 95% of full-time employees.
Penalty for the 2019 tax year is $2,500 per full-time employee.
- 4980 (H) b: Minimum Value Coverage is not offered or it is not offered at the affordability level of 9.5%, and the employee receives a subsidy through the marketplace. Penalty for the 2021 tax year is $3,860 per full-time employee receiving a subsidy.
ACA reporting to the IRS will continue to be required.
