ACA Compliance Plans (MEC & MVP)

 Minimum Essential Coverage (MEC), Minimum Value Plan (MVP), and traditional self-funded options each play a distinct role in a well-structured health strategy. We help broker partners position the right combination for each client — balancing ACA employer-mandate compliance under §4980H, employee access, and cost control.  

 For full-time populations, we structure true self-funded health plans with embedded GAP coverage — giving employers claims transparency, cost control, and protection against catastrophic volatility, with professional third-party administration.  

 Group GAP fills the space between what a major medical plan covers and what an employee actually owes — deductibles, coinsurance, and copays. Structured correctly, GAP lets employers raise deductibles on the base plan, cut premium, and hold employees harmless. It is the strongest renewal-conversation tool in the supplemental market.  

  Voluntary and supplemental products — accident, critical illness, hospital indemnity — strengthen the employee-facing package without increasing core health spend. We structure these offerings to drive participation, protect employee finances, and support the economics of the overall program.

 Dental, vision, life, and disability round out a competitive package. We structure ancillary offerings for strong value, maximum participation, and simple administration — ensuring they complement rather than complicate the core program.

A benefits strategy is only as good as its rollout. We manage implementation and enrollment end-to-end — coordinating carriers, communicating clearly with employees, and supporting HR so launch day goes smoothly and participation is strong from day one.

For employers with San Francisco-based employees, SFHCSO compliance requires careful planning. We help broker partners satisfy ordinance requirements efficiently — without adding unnecessary administrative burden.

We bring deep carrier and program expertise to every engagement — plan design, compliance analysis, full RFP development, vendor evaluation, and implementation. Our experience across MEC, traditional self-funding, limited medical, GAP, voluntary benefits, and captive strategies means recommendations tailored to the workforce, the budget, and the timeline.