Find the Right Health Plan for Your Business
Compare fully insured, level-funded, self-funded, MEC, and specialty health plans for employers, sole proprietors, and professionals — all in one place.
Nationwide Coverage
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Signature plans
Purpose-Built Health Plans for Modern Employers
Owned and operated by Memberly, Health Plan Apply offers more than health plans—we develop, market, and support many of the innovative solutions we offer. Through our experience working with employers, multi-employer plans, carriers, associations, and strategic partners nationwide, we understand which solutions deliver the greatest value for businesses of every size.
Whether you're a small business, large employer, sole proprietor, or professional organization, we'll help you navigate your options and find the health plan that's right for your business, workforce, and budget.
Association Health Plans
Established health plans employers can join, offering nationwide coverage and the collective buying power of more than 60,000 association members. Choose between Cigna or PHCS network options, each with multiple plan designs.
Northwell Direct
An established two-tier health plan employers can join, combining nationwide Blue Cross Blue Shield coverage with direct access to Northwell Health hospitals and providers to help lower healthcare costs and premiums. Choose from three plan options.
Level-Funded & Self-Funded
Choose from two self-funding strategies, with plans and benefits customizable to meet your budget and maximize cost control. Employers gain claims transparency, stop-loss protection, and the opportunity to receive unused claims funds with LevelMax or retain claims funds with LevelFlex.
MEC Plans
Choose from MEC Max, an established fully insured MEC plan, or create a customized self-funded plan with MEC Flex. Both provide Minimum Essential Coverage designed to help employers meet ACA requirements while controlling healthcare costs.
Minimum Value Plans
Choose from two established, fully insured MV plans with guaranteed issue and predefined benefits and rates. Select the plan design that best fits your workforce and budget.
ACA Penalty Prevention
ALE Guard is a specialized ACA compliance solution for ALEs with little or no employee enrollment, helping keep MEC and MV coverage available for bona fide offers throughout the year. Compliance Units (ghost lives) help satisfy minimum enrollment requirements and are offset as employees enroll—helping employers manage potential Penalty A and Penalty B exposure.
Telemedicine & Hospital 501(r) Assistance Bundle
Access CirrusMD virtual primary and urgent care as a standalone service, or bundle it with Goodbill for hospital 501(r) financial assistance support and medical bill negotiation.
Fully Insured Carriers & PPO Leased Networks
Carriers you can trust
Health Plan Apply gives employers access to both fully insured health plans from the nation's most trusted insurance carriers and self-funded and level-funded solutions built on leading PPO leased networks. This allows us to compare traditional carrier plans alongside innovative funding options to help employers find the best combination of benefits, provider access, and cost.
Whether you're looking for the simplicity of a fully insured plan or the flexibility of a leased PPO network, Memberly Benefits will help you evaluate your options and recommend the solution that best fits your business, employees, and budget.
Aetna
Nationwide PPO and HMO options with strong behavioral health integration.
Blue Cross Blue Shield
Broadest provider network in the country with regional plan variety.
UnitedHealthcare
Full-service national carrier with rich digital tools and specialty programs.
Cigna
Global carrier with strong PPO, telehealth, and international coverage options.
Built for how you work
Employers
Comprehensive Northwell Direct, Association, Level-Funded, Self-Funded, MEC, MVP, and ACA Penalty Prevention health plans for employers of every size.
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Sole Proprietors
Association health plans designed for business owners, sole proprietors, and self-employed professionals with no employees.
ExploreGet matched to the right plan in under 2 minutes
Answer a few questions about your team and budget. We'll return a shortlist of plans that fit — no phone calls required.
Managed by Memberly
Health Plan Apply is owned and operated by Memberly, a national benefits organization with extensive experience designing and administering health plans for associations, unions, franchise organizations, multi-employer groups, and large employers.
We identify innovative health plan opportunities beyond what most brokers and carriers can access.
Professionals fluent in traditional insurance and alternative group health strategies.