Small Group Health Option

 Introducing the Association Health Plan!

We’ve made it easy for small and mid-size employers to get big coverage (and see big savings!).​ NHLRA members now have access to the Small Group Health Option, an innovative benefits solution potentially lowering healthcare spend by 20% while improving employee experience. This new member benefit provides you with the roadmap you need to save big on healthcare and stop the shift of increased cost burden being transferred to employees.

Advantages of Group Health Option:

• Program is available for small-to-mid sized organizations with between 5-20 enrolled employees.
• As a self-funded healthcare plan,  you only pay for the benefits you use.
• Only 15% of your total projected costs are fixed, which means you have more opportunities to save. 
• Employee health insurance premium savings stay in your pocket, not with the insurance companies.
  

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Large Group Health Insurance Captive

Break away from the uncertainties and expenses of employee health insurance premiums. Group captives provide a tremendous opportunity to realize substantial savings over current health insurance premiums while maintaining control of a plan's benefit design. Interested members must have at least 50 eligible employees, and at least 38 participating employees.

Advantages of a group captive:

• Negotiate better benefits and more specialized services.
• Access cost and claims transparently.
• Retain underwriting profit and investment income.
• Aggregate buying power to lower costs.
• Minimize employers' insurance costs and improve cash flow.

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Why Group Captives Make Sense

First, consider the 80/20 rule. This rule dictates that 20 to 30 percent of those who are covered by insurance plans drive 80 percent of the claims. In a typical pool for most small and mid-sized companies, that 20 to 30 percent consists of what insurance companies consider to be high-risk employers who drive up costs for everyone else. Good and above-average risk employers and associations essentially finance risk for their bad-risk counterparts. So it makes good sense for good and above-average risk employers and associations to leave the fully insured marketplace in favor of self-insurance options through group captives.

 
​For more information, or to get started, contact Alex Sinclair at alexs@clarklavey.com from Clark & Lavey Benefits Solutions.

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