Small business health plans
Find a health plan that works for you and your employees
We offer an affordable mix of small business health insurance options, including access to dental and vision benefits, designed to meet the needs of businesses with 50 eligible employees or fewer.
HAP small business health plans
For employer groups with 50 or less full-time employees.
Have 51 or more employees? View our
large group plan options.
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Fully-insured plans
Our fully-insured plans offer the coverage your employees need and the peace of mind that comes with fixed health care costs. It’s important to understand the difference between the types of plans and what benefits each offer.
- HMO: Coordinated care through a primary care physician
- EPO: Flexibility to seek services throughout Michigan
- PPO: Flexibility to seek services throughout Michigan as well as national coverage
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HMO
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PPO
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EPO
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Members must choose a PCP
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Yes
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No
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No
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Referrals for specialists required by HAP
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No*
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No*
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No*
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Out-of-network coverage
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No
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Yes
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No
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Out-of-network emergency care
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All HAP members have worldwide emergency and urgent care coverage as well as telehealth coverage
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*Specialist’s office may require a referral, but HAP does not.
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Consumer-driven health plans
A health savings account, or HSA, is a tax-exempt account used to pay for qualified medical expenses for the account holder and their dependents. A health reimbursement arrangement, or HRA, is an employer-funded account used to reimburse employees for out-of-pocket medical expenses. Use this chart to compare these options and choose what’s best for you and your employees.
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HSA
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HRA
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Who can open an account?
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Employee. But, they must be enrolled in a qualified, high-deductible health
plan.
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Employer
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What’s covered?
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Qualified medical expenses defined by the IRS
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Defined by employer
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Who owns the account?
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Employee
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Employer
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Who contributes?
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Employee, employer or any third party. For example, other family members and
friends can contribute to the HSA.
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Employer
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Will the account follow the employee if they change
employers?
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Yes. It’s fully portable.
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It can be portable, if the employer chooses.
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Can you roll over unused balances?
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Yes, they automatically roll over annually.
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Defined by employer.
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Are there tax advantages?
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The following are tax-free:
- Employer and employee contributions
- Any interest earned or investments gained
- Withdrawals used for qualified medical expenses
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HRA dollars are funded by the employer and there are no tax advantages to the
employee.
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What’s the minimum deductible for 2020?
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$1,400 single
$2,800 family
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No minimum deductible
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What’s the out-of-pocket maximum for 2020?
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$6,900 single
$13,800 family
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Not applicable
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What’s the maximum contribution for 2020?
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$3,550 single
$7,100 family
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Defined by employer
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Can the account be used for retirement income?
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Yes. After age 65, employees may withdraw funds for any reason, without penalty.
If funds aren’t used for qualified medical expenses, withdrawals will be taxed as income.
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No
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All qualified medical expenses as defined in Section 213(d) of
the Internal Revenue Code.
*Limits are subject to change due to IRS rules.
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High-performing narrow network plans
Our narrow network plans give your employees access to nationally recognized doctors and hospitals from one health system or integrated network. This could save you money on your monthly premiums compared to our full HMO network plans. This is because doctors can work closely with others in the same network – easily viewing and sharing data, which cuts down on waste.
We have three choice plans:
- Henry Ford Choice - employees have access to the Henry Ford Choice network which includes doctors and facilities that are part of Henry Ford Health System.
- Genesys Choice - employees have access to the Genesys Choice network which includes doctors and facilities that are part of the Genesys Physician Hospital Organization as well as health care facilities affiliated with Genesys Regional Medical Center.
- (New for 2020) Primary Choice - employees will receive coordinated care that centers around their primary care physician (PCP) relationship. Members have access to the Primary Choice network, which includes an integrated network of leading primary care physicians in Metro Detroit and HAP's full network of specialists and health care facilities. This plan was designed in collaboration with the doctors at Oakland Southfield Physicians and United Physicians, Inc. A referral from a PCP is required to see a specialist with this plan with the exception of obstetrics and gynecology specialists.
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Small group HMO service area
With our fully insured HMO plans, your business must be located within one of these Michigan counties.
Small group HMO service area
- Arenac
- Bay
- Genesee
- Hillsdale
- Huron
- Iosco
- Jackson
- Lapeer
- Lenawee
- Livingston
- Macomb
- Monroe
- Oakland
- Saginaw
- Sanilac
- Shiawassee
- St. Clair
- Tuscola
- Washtenaw
- Wayne
Employees with a HAP HMO small group plan can seek care through our HMO network in Michigan. Learn more about HAP's network.
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Small group PPO and EPO service area
With our fully insured PPO and EPO plans, your business must be located within one of these Michigan counties.
Small group PPO and EPO service area:
- Arenac
- Bay
- Genesee
- Gratiot
- Hillsdale
- Huron
- Iosco
- Jackson
- Lapeer
- Lenawee
- Livingston
- Macomb
- Monroe
- Oakland
- Ogemaw
- Roscommon
- Saginaw
- Sanilac
- Shiawassee
- St. Clair
- Tuscola
- Washtenaw
- Wayne
Employees with a HAP PPO small group plan can seek care through our statewide PPO network in Michigan and Northwest Ohio** or use the Cigna® nationwide network when outside of that network.
Employees with a HAP EPO small group plan can seek care through our statewide PPO network in Michigan and Northwest Ohio or use the Cigna® nationwide network if they permanently reside outside of Michigan.
Learn more about HAP's networks.
*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.
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Narrow network plan service areas
Henry Ford Choice plan
With our Henry Ford Choice plan, residents and small businesses must be located in in Macomb, Oakland and Wayne counties. The Henry Ford Choice network includes doctors and other health care providers within the Henry Ford.
Learn more about the Henry Ford Choice network.
Genesys Choice plan
With our Genesys Choice plan, residents and small businesses must be located in in Genesee county. The Genesys Choice network includes doctors and other health care providers within the Genesys Physician Hospital Organization. Facilities in this network include Genesys Regional Medical Center and affiliated urgent care centers.
Learn more about the Genesys Choice network.
Primary Choice plan
With our HAP Primary Choice plan, residents and small business must be located in Macomb, Oakland and Wayne counties. This plan is designed to promote the primary care physician relationship and includes doctors at Oakland Southfield Physicians and United Physicians, Inc.
Learn more about the Primary Choice network.
Know your options before you shop
Download our side-by-side plan comparison guide for more information.
How many plans can I offer my employees?
The number of plans you can offer depends on the size of your small business.
- 10 and under enrolled employees: two plans
- 11 or more enrolled employees: three plans
What about funding options?
We offer shared and self-funding options that also depend on the size of your business.
- Shared funding: Available to businesses with at least 35 employees
- Self-funding: Available to businesses with more than 50 employees
