Health Insurance Cooperative
Our association-style health plan offers businesses a cost-effective alternative to traditional local HMO programs, providing access to larger provider networks and significant savings. By leveraging the power of group purchasing, we deliver comprehensive healthcare coverage with lower premiums and reduced out-of-pocket costs for employees. This innovative solution enhances choice, affordability, and flexibility, ensuring businesses can offer high-quality benefits without the high price tag of traditional plans. Plan details:
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Available in all 50 states
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30,000 current members, 100 affinity members
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Cigna National PPO provider networks for all members
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8 standard plans including 6 PPO and 2 HDHP/HSA compatible plans
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Can be written for businesses down to 1 employee and as large as 150 employees
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Can be written for membership associations, affinity programs or buying groups
The Association Health Plan isn't just a smarter financial choice—it’s backed by cutting-edge technology designed to elevate the member experience. From real-time claims visibility to instant access to plan details, ID cards, and coverage confirmations, businesses and members are empowered like never before. Our secure portal even includes enhanced service features, such as access to recordings of all member service calls, creating true transparency and support. The future of healthcare isn’t coming—it’s here.
Case Study - 35% Savings compared to Renewal
We had 3 premium savings opportunities:
1. Offer a lower, $2500 Deductible plan with PPO network for all employees at a 9% decrease!!
2. Offer a slightly higher, $3500 Deductible plan with PPO network for all at a 15% decrease!!
3. Offer a plan with a PFA card that offsets the entire deductible ($0 deductible for employes!!!) with a PPO network for all at a 5% decrease!!
We were able to use premium savings to partner with an absence management company to outsource leave administration and launched an integrated wellness platform with access to member claims data and promoted it via our Apex Explorer digital benefits guide.
Case Study - 46% Savings compared to UHC Renewal
By saving substaintially on health insurance costs without sacrificing benefits, this company unlocked significant cash flow to reinvest in its rapidly growing organization. These savings allowed them to expand operations, enhance employee programs, and drive innovation—fueling sustainable growth while continuing to provide high-quality healthcare coverage. With a smarter benefits strategy, they turned a major problem into a competitive advantage.
Apex Group Health Cooperative is revolutionizing health coverage for small businesses by offering exclusive association-style health insurance plans that bring big-company benefits to groups as small as one employee. With significant premium savings and a suite of value-added programs, Apex provides a powerful alternative to traditional health plans, delivering cost efficiency and enhanced coverage options that most businesses simply don’t have access to today. From wellness initiatives to premium care networks, members enjoy a comprehensive health solution tailored for affordability and quality—empowering small businesses with the competitive edge they deserve.
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