HAP offers fully customizable plans for larger businesses with more than 51 eligible employees. Find the funding option that suits your business needs and helps control your cash flow.

Fully insured

Our fully insured plans offer the coverage your employees need, along with the peace of mind that comes from fixed healthcare costs. 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.
• Only experiences changs to your monthly fee if the number of enrolled employees varies throughout the year.

Self-funded and shared funded  

When you select a self-funded or shared funded plan, you have additional input into plan designs and costs. Just choose how much you want to pay for employee insurance costs and what administrative services you need.

Self-funding

We offer self-funding for businesses for 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.
• A dedicated administrator who manages health plans and claims.
• Detailed reports so you have a thorough understanding of how every dollar is spent.
• The ability to customize and design your health plan.

Shared funding

We offer shared funding for businesses with 50 or more enrolled employees. These plans offer 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 (for example: customer service support, claims processing or 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 and creativity in plan design.

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 and support exactly where you need it.

We offer flexibility administrative options including claims administration, customer service, medical and pharmacy benefit management, stop loss insurance and more.