UnitedHealthcare launches Association Health Plan option for Texas small employers

Posted by Emily Kubis on Thu, Oct 04, 2018 @ 09:10

New option could produce premium savings for some groups

UnitedHealthcare announced this week the launch of a state-wide geographically-based Association Health Plan (AHP) for small employer groups in Texas.

This new United product provides another option for Texas employers with 2 to 50 employees. For up to half of small employers in the Texas market, the AHP option could potentially produce premium savings of 5 percent to 15 percent, as compared to traditional, fully-insured small group rates.

The new option takes advantage of the executive order to expand AHPs from the Trump Administration. In the past, employers could only band together to offer health coverage if the association was trade-based. Now employers in a shared geographic area can also take advantage of economies of scale. (More: What employers need to know about the new Association Health Plan regulations)

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Tags: group plan, group benefits, employers, association health plans, AHPs, Texas

Are AHPs a good fit for my organization?

Posted by Emily Kubis on Fri, Jul 27, 2018 @ 09:07

New plans could save employers money, but might not be right for every group

New regulations released by the Trump administration means more employers can form Association Health Plans (AHPs) to offer health coverage to employees. By allowing employers to band together to offer health coverage, AHPs allow smaller employers to take advantage of economies of scale.

The new rules mean any employers in the same industry or region, as well as sole proprietors, can now form or join an association and offer an AHP. Because these plans don’t have to offer the same set of benefits as other health plans, this can represent cost-savings for many employers.

However, this strategy isn’t necessarily right for every small business. How do you know if an AHP is right for your organization? Here are a few questions to ask.

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Tags: group plan, group benefits, small group market, offer health insurance, broker, association health plans, AHPs

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employer healthcare freedom
employer healthcare freedom