Trusty Health Insurance Agency
Group Health Insurance
Plan Options
Coverage plans designed for your needs
Basic Cancer
Plan
Essential cancer coverage with lump-sum diagnosis benefit and treatment coverage.
Enhanced Cancer
Plan
Expanded coverage including experimental treatments, transportation, and lodging benefits.
Comprehensive Cancer
Plan
Maximum protection with wellness benefits, ongoing care coverage, and family support.
Financial protection during health treatment
We help businesses of all sizes design smarter health insurance strategies. Whether you have just a few employees or a workforce of hundreds, we evaluate multiple funding models to find the right balance between coverage, flexibility, and cost control.
From traditional fully insured plans to modern alternative funding strategies, our goal is simple: build a benefits solution that protects your team while staying aligned with your company’s budget.
Fully Insured Plans
What's included
Best suited for small to mid-sized businesses that prefer predictable monthly premiums.
Medical Mutual COSE plans
Pooled small‑business health plan with shared costs.
UnitedHealthcare MEWA through the Ohio Chamber
Chamber-based small-group health coverage.
Anthem Blue Cross Blue Shield MEWA
Shared small-employer health plan with Anthem network.
Traditional small group PPO and HMO plans
Standard small-group insurance; HMOs focus on network care.
ICHRA (Individual Coverage Health Reimbursement Arrangement)
ICHRA allows employers to provide tax-advantaged reimbursements that employees can use to purchase their own individual health insurance coverage. This approach offers flexibility for employers while giving employees the ability to select the plan that best fits their needs.
MERP (Medical Expense Reimbursement Plan)
A MERP strategy combines a lower-premium health plan with an employer-funded reimbursement structure to help offset employee medical expenses. This approach can significantly reduce overall plan costs while maintaining strong protection for employees.
Level-Funded Plans
For employers seeking lower costs and potential savings, level-funded plans combine the predictability of traditional insurance with the financial advantages of self-funding. We partner with two unique carriers offering copay-only plans with no deductibles, meaning employees simply pay a fixed copay for services. These plans are often an excellent fit for companies with 15–50 employees.
Self-Funded Strategies
For medium to large organizations, we offer advanced self-funded solutions designed to dramatically simplify healthcare costs.
This program features:
No copays
No fee for doctor visits or services.
No deductibles
Coverage starts immediately.
No out-of-pocket costs for covered care
Covered care is fully paid by the plan.
Why Trusty Health
How Our Process Works
Discovery &
Needs Assessment
We start by learning about your company, workforce, budget goals, and any challenges you've experienced with previous health plans.
Strategy &
Market Analysis
Our team evaluates multiple carriers and funding strategies including fully insured, level-funded, ICHRA, and self-funded options to determine what solutions best align with your goals.
Plan Design &
Cost Modeling
We present a side-by-side comparison of plan options so you can clearly see the differences in coverage, cost structure, and long-term sustainability.
Implementation &
Employee Education
Once a plan is selected, we handle the implementation process and help educate your employees so they understand how to use their benefits effectively.
Ongoing Support &
Plan Management
Our relationship doesn't end after enrollment. We provide year-round support for questions, claims guidance, renewals, and strategic plan adjustments as your business grows.
Client Trust
Why Employers Work With Us
Independent & Carrier Neutral
We work with multiple insurance carriers and funding models, allowing us to recommend solutions based on what is best for your company rather than a single provider.
Modern Health Plan Strategies
Beyond traditional insurance, we specialize in alternative solutions such as ICHRA, MERP, and level-funded programs that can often reduce overall costs.
Strategic Guidance for Growing Companies
As your company grows, your benefits strategy should evolve. We help businesses evaluate new opportunities that improve coverage, control costs, and support employee retention.
Year-Round Advocacy
When questions or issues arise, you have a dedicated advisor to help navigate claims, billing, and plan changes.
Our Strategies
Employer Cost Containment Strategies
Healthcare costs continue to rise each year, putting pressure on employers trying to balance strong employee benefits with responsible financial planning. We help companies explore strategies that can reduce long-term healthcare costs while maintaining meaningful coverage for their teams.
Our approach focuses on evaluating the full range of available options, including:
- Alternative funding strategies such as level-funded and self-funded plans
- Health reimbursement arrangements like ICHRA and MERP
- Association health plans and MEWA programs
- Plan design adjustments that improve cost efficiency without sacrificing coverage
By analyzing both traditional and modern health plan structures, we help employers identify solutions that align with their workforce, budget, and long-term business goals.
Trusted By Industries
Industries We Serve
Every industry has unique workforce structures, budgets, and healthcare needs. We work with businesses across a wide range of industries to design benefit programs that support both employees and business owners.
Some of the industries we commonly work with include:
Construction & Skilled Trades
Manufacturing
Automotive & Transportation
Professional Services
Real Estate & Mortgage Professionals
Technology & Software Companies
Healthcare & Medical Practices
Restaurants & Hospitality
Retail Businesses
Logistics & Warehousing
Landscaping & Property Services
Contractors & Home Service Companies
Financial Services & Accounting Firms
Marketing & Creative Agencies
Small Business Owners & Entrepreneurs
Whether your company has a small team or a large workforce, we tailor health benefit strategies to fit the realities of your industry.
Client Trust
Common Mistakes Employers Make with Health Insurance
Many employers assume their only option is to renew the same health insurance plan year after year. In reality, there are often alternative strategies that can provide better coverage or improved cost control.
Some of the most common challenges we see include:
Renewing the Same Plan Without Exploring Alternatives
Many companies stay with the same structure simply because they are unaware of newer funding models available in the market.
Choosing Plans Based Solely on Premium Cost
Lower premiums can sometimes lead to higher out-of-pocket costs for employees. The right plan balances affordability with meaningful protection.
Not Evaluating Modern Funding Options
Strategies such as ICHRA, MERP, and level-funded plans can create flexibility and cost savings when designed properly.
Lack of Year-Round Plan Management
Health benefits should be evaluated throughout the year rather than only at renewal time. Our role is to help employers understand the full landscape of available options so they can make informed decisions about their health benefits strategy.
Trusted Guidance for Employers
Insured Options
Understanding Your Group Health Plan Options
There are several ways employers can structure their health benefits. Each funding model offers different advantages depending on the size of the company, the health of the workforce, and the organization’s financial goals. We help employers evaluate these options and determine which strategy makes the most sense for their business.
Fully Insured Health Plans
A fully insured plan is the most traditional type of employer-sponsored health insurance. Employers pay a fixed monthly premium to an insurance carrier, and the carrier assumes the financial risk of paying claims.
This approach offers predictable monthly costs and is commonly used by small to mid-sized businesses that prefer a straightforward plan structure.
Key benefits include:
- Predictable monthly premiums
- Simplified administration
- Access to large carrier networks
- Comprehensive coverage options
Level-Funded Health Plans
Level-funded plans combine elements of both traditional insurance and self-funding. Employers pay a consistent monthly payment that covers expected claims, administrative costs, and stop-loss protection.
If claims are lower than expected, the employer may receive a refund at the end of the year.
This strategy can often provide lower costs and greater transparency compared to traditional fully insured plans.
Key benefits include:
- Potential year-end savings
- Fixed monthly payments
- Stop-loss protection for large claims
- Often lower premiums than traditional plans
Self-Funded Health Plans
With a self-funded plan, the employer assumes the responsibility of paying employee healthcare claims directly. To protect against large or unexpected claims, employers purchase stop-loss insurance, which limits their financial exposure.
Self-funded strategies are typically used by medium to large organizations looking for greater control over their healthcare spending.
Key benefits include:
- Greater control over healthcare costs
- Detailed claims transparency
- Flexible plan design
- Potential long-term savings
ICHRA (Individual Coverage Health Reimbursement Arrangement)
ICHRA allows employers to reimburse employees for individually purchased health insurance plans on a tax-advantaged basis.
Instead of offering a traditional group plan, the employer provides a monthly allowance that employees can use to purchase coverage through the individual marketplace.
This strategy can provide significant flexibility for both employers and employees.
Key benefits include:
- Flexible budgeting for employers
- Employees can choose their own plans
- Tax-advantaged reimbursements
- Works well for distributed or remote teams
MERP (Medical Expense Reimbursement Plan)
A Medical Expense Reimbursement Plan is typically paired with a lower-premium health insurance plan. The employer sets aside funds to help reimburse employees for certain medical expenses that may fall under the plan’s deductible.
This strategy can significantly reduce premium costs while still protecting employees from large out-of-pocket expenses.
Key benefits include:
- Lower overall plan costs
- Employer support for employee medical expenses
- Greater plan flexibility
- Can improve affordability for both employer and employees
Client Trust
Finding the Right Strategy
Partners You Know & Trust
