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Health plans for employers

Protection for your most valuable asset: your employees

Why choose HAP?

Building a successful business relies on recruiting and retaining talented employees. One way to do that is to offer an affordable health plan that includes quality benefits, services and programs.

Learn more about why we're the right choice for your business.

We understand the unique challenges faced by businesses of all sizes. So we can help you gain that competitive edge, no matter your budget.

  • Small business: 50 or fewer eligible employees
  • Large business: 51 or more eligible employees

We’ll work with you to find the plan that keeps your employees healthy and your business growing to meet your vision.

Partnering with HAP

You’re more than an account number – you’re our partner. We offer personalized service, including:

Dedicated account representatives: When you have a question, you don’t have to call a 1-800 number and talk to a random person. You’ll have the name and number of a dedicated health plan professional who knows your business and can address its unique needs.

Personal service coordinators: Your employees can access a team of dedicated personal service coordinators for their first two years of membership. These specialists will be available to answer questions and help your employees get the most out of their health plans.

Discover a variety of health insurance options

We offer health plans to meet your employees’ needs, no matter their stage of life. You’ll find various copay, coinsurance and deductible options, along with fully insured, shared and self-funding options.

HAP HMO, PPO and EPO plans

Primary care physician required? Yes

Referrals required? Yes
On select services
Emergency and urgent care coverage Yes
Covered worldwide
Covered worldwide
Covered worldwide
Out of network coverage Yes
HMO Choice Plans available? Yes*

Consumer driven health plans available? Yes Yes Yes

*There are HMO and HMO-HSA Choice plans available to businesses in Genesee, Wayne, Oakland and Macomb counties. Henry Ford Choice excludes these ZIP codes in Oakland County: 48346, 48348, 48350, 48353, 48356, 48357, 8359, 48360, 48362, 48367, 48370, 48371, 48428, 48430, 48439, 48442, 48455 and 48462. Choice plans are only for small group.

Consumer driven health plans

(Health Savings Account)
(Health Reimbursement Account)
(Flexible Spending Account)
Overview Tax exempt account created to pay for the qualified medical expenses of the employee and their covered dependents An employer-funded account used to reimburse employees for qualified medical expenses An employer-established, tax-advantaged account funded by the employee to pay for qualified medical expenses with pre-tax dollars
Business size minimum 2 employees 1 employee 1 employee
Who opens the account? Employee or employer Employer Employer
Covered expenses All qualified medical expenses* Defined by employer All qualified medical expenses*
Who can contribute Employee or employer or any third party Employer Employee
Pretax contributions Yes Yes Yes

Maximum contributions**

$3,350 Single
$6,650 Family

Defined by employer Defined by employer
Maximum contributions**
$3,450 Single
$6,900 Family
Defined by employer Defined by employer
Rollover of unused balance Yes Yes
Defined by employer
No, funds revert to the employer
Tax advantages Yes
  • Tax-free contributions
  • Interest earned and investments are tax-free
  • Withdrawals used for qualified medical expenses are tax-free
Employers can deposit pre-tax dollars
Employee contributions made through pre-tax payroll deductions
Portability Yes
Fully portable
Defined by employer
Not portable
Account can be used for retirement income Yes***

*All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.

**Limits are subject to change due to IRS rules.

***After age 65, employees may withdraw funds for any reason with no penalty. Although if not used for qualified medical expenses, withdrawals will be taxed as income.

Employee perks and benefits

Your employees will benefit from a personalized experience, with benefits, programs and services that include:

Employer resources

We make it easy to manage your health insurance and guide your employees along the way. Explore our dedicated employer resources.

  • Chamber of commerce toolkits with templates, logo and wellness resources
  • Employer services portal, with administrative tools such as eBilling
  • Information for labor union members
  • Important information about the Affordable Care Act

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