You may have heard a lot about the rates for individual plans on exchanges and group plans through the Affordable Care Act. The rates continually increase and the benefits appear to get worse. The ACA plans are what are called community rated. Plan rates are based on the entire population so they are NOT representative of the population as a whole. If you have a small business, mostly made up of younger and, for the most part, healthier people, an Association plan may be right for you!
Prior to the adoption of the ACA, all group plans were underwritten based on age and health of the members. Our plans are underwritten. If you have a healthy group, your rates often will be 30% or more below those of the ACA and your benefits will be far superior*. There is no need to fear, however. Our plans are both ACA and ERISA compliant. We only use A rated carriers or better.