Get custom pricing

Plans that work for your business.

Large business funding options

Find the choice that’s right for your business: fully insured, shared or self-funded

We know you want to offer employees competitive health plans that also work in your budget. That’s why we offer businesses with 51 or more eligible employees fully insured, shared and self-funding options.

Find the funding option that suits your business needs and helps control your cash flow. Get started.

Fully insured

We offer fully insured funding for businesses that prefer the predictability of a low-risk, fixed monthly premium combined with a full range of employee programs, such as health and wellness and chronic condition management.

With this option, your business:

  • Pays a fixed monthly premium based on the number of employees.
  • Assumes no financial risk. We pay employees’ claims based on the benefits of your plan.
  • Pays a different monthly premium only if the number of enrolled employees varies throughout the year.

Shared funding

We offer shared funding for businesses with 35 or more enrolled employees that prefer lower monthly premiums with some financial risk and greater network coverage flexibility.

Under this model, your business:

  • Pays a lower monthly premium for only the services you need to manage the plan (for example: customer service support, claims processing and billing).
  • Is directly responsible for paying employee claims. However, you may not be subject to all premium taxes under the Affordable Care Act.
  • Has greater flexibility by taking advantage of customized leasing networks.

Self-funding

We offer self-funding for businesses that prefer even lower monthly costs with increased financial risk and greater network coverage flexibility.

With self-funding, your business:

  • Receives plan administration services, including guidance with risk and claims management, as well as compliance.
  • Benefits from an administrator who manages the health plan and administers claims.
  • Will receive detailed reports and have a thorough understanding of how every dollar is spent.
  • Has the ability to customize and design a health plan.

Plan administration

Our shared and self-funding plans are managed by third party administrator ASR Health Benefits, a subsidiary of HAP. Our partnership gives your business the coverage area you need, where you need it, with customized leasing networks.

Businesses benefit from the flexibility of administrative options that may include claims administration, customer service, medical and pharmacy benefit management, stop loss insurance and more.

If you want to learn more about custom health plans and pricing options, fill out this online form and we’ll contact you to get started. Or you can call a HAP account executive at (800) 427-7587 Monday through Friday from 9 a.m. to 4:30 p.m.

Show me:

  • Turning 65?

    Get real answers to all your questions! We’ll teach you about how Medicare works and give you tips and ideas to make sure you’re ready to go on day

  • Eyes on Diabetes Health Fair

    Join HAP and ProSight for a free diabetic retinal screening and wellness event

View all events
View all news

Contact us

  • Customer service

    (800) 422-4641

     

    Email

     

    More options

  • Individual and family plans

    Ready to join?

    (855) 948-4427

    HMO Plans

    (800) 759-3436

    PPO Plans

    (800) 944-9399

  • Insurance through your employer

    Alliance Health and Life Insurance Company®

    (888) 999-4347

    Self-funded / ASO

    (866) 766-4709

    HAP HMO

    (800) 422-4641

    HAP Midwest Health Plan

    (888) 654-2200

  • Medicare

    Ready to join?

    (800) 868-3153 TTY: 711

    HAP Senior Plus®

    (800) 801-1770 TTY: 711

    HAP Senior Plus® (PPO)

    (888) 658-2536 TTY: 711

    Alliance Medicare Supplement:

    (800) 873-7526 TTY: 711