Legal Disclaimer

MEC-based plan offerings are self-insured group health plan designs, which may be offered by employers to their eligible personnel for compliant health coverage. Plan sponsors may seek insurance and/or reinsurance for such plans, but the acquisition of (re)insurance does not change the plan, its coverage, or its legal status.

Under federal law, all companies have the right to self-insure and big companies almost always do, because self-insurance gives them better control and cost efficiency than traditional insurance carriers. When small and medium-sized companies hire ABC, they are provided with the know-how and advice they need to take advantage of these same valuable benefits. Groups may offer participation in health plans to their eligible plan participants, as determined by the plan sponsor in its plan document. They may require participants to pay some or all their share of the group's costs.

ABC services include coordinating among multiple plan vendors hired by a mutual client, coalescing the team of service providers for your plan that will ensure its smooth administration.

Under the Affordable Care Act, companies with 50 or more full-time employees are required to offer comprehensive benefits or face potential penalties. ABC can assist with plan design recommendations that meet these requirements, with no minimum participation requirements.