About Health Plan Apply
Smarter health plan solutions. Backed by experience.
Health Plan Apply is owned and operated by Memberly, Inc., a national health benefits organization specializing in innovative health plan strategies for employers, sole proprietors, professionals, associations, unions, franchise organizations, and multi-employer groups.
Our mission is simple: give employers access to more health plan options by looking beyond traditional insurance.
Rather than focusing on a single insurance carrier or funding model, we evaluate a broad range of solutions — including Association Health Plans, multi-employer programs, level-funded plans, self-funded strategies, and ACA compliance solutions — to help businesses identify the approach that best fits their needs.
Experience
Beyond traditional brokerage
Memberly has extensive experience working with employers, insurance brokers, carriers, third-party administrators (TPAs), associations, labor unions, franchise organizations, and health plan sponsors to develop and expand innovative healthcare solutions. By understanding how these plans are structured and marketed, we bring proven health plan models to a broader employer market.
- Employers of all sizes
- Sole Proprietors
- Professional Practices
- Associations
- Labor Unions
- Multi-Employer Health Plans
- Franchise Organizations
- Level-Funded Health Plans
- Self-Funded Employer Plans
What we do
Specialists in alternative health plan strategies
Today's employers need more than another insurance quote. Health Plan Apply specializes in identifying funding strategies that help employers control costs while maintaining quality employee benefits. We work alongside licensed insurance brokers and trusted industry partners to connect employers with these innovative health plan options.
- Association Health Plans (AHPs)
- Multi-Employer Health Plans
- Level-Funded Health Plans
- Self-Funded Health Plans
- Reference-Based Pricing (RBP)
- National PPO Networks
- Minimum Essential Coverage (MEC)
- Minimum Value Plans (MVP)
- ACA Compliance Strategies
Innovative health plans, nationwide
Many of the health plans featured on Health Plan Apply were originally developed for large employers, associations, unions, and multi-employer organizations. Our goal is to help make these proven solutions accessible to eligible employers across the United States — allowing small and mid-sized businesses to benefit from purchasing power, innovative funding models, and broader health plan choices.
Exclusive Program
Northwell Direct by Memberly
One of our signature offerings is the Northwell Direct by Memberly Multi-Employer Health Plan — an exclusive two-tier health plan that combines direct-provider contracting with nationwide Blue Cross Blue Shield access.
Northwell Direct
Direct-provider contracting with one of the nation's leading health systems.
Anthem Blue Cross Blue Shield National PPO
Nationwide access for members outside the Northwell service area.
40–50%
Potential savings versus traditional fully insured plans for eligible employers, depending on demographics, location, and utilization.
~70%
Of participating members reside outside New York and receive care through the national Blue Cross Blue Shield network.
ACA Compliance
Helping employers address compliance
For Applicable Large Employers (ALEs), selecting the right health plan is about more than controlling premiums — it's also about meeting Affordable Care Act requirements. Health Plan Apply offers solutions that can help employers address potential exposure to:
ACA Employer Penalty A
Failure to offer coverage to substantially all full-time employees.
ACA Employer Penalty B
Coverage offered isn't affordable or doesn't meet minimum value.
Our portfolio includes Minimum Essential Coverage (MEC), Minimum Value Plans (MVP), Association Health Plans, level-funded plans, and traditional PPO options designed to support both compliance and affordability.
Working with employers and brokers
Health Plan Apply complements — not replaces — the role of licensed insurance brokers. We regularly work with brokers, consultants, TPAs, carriers, and employer advisors to help identify health plan solutions that may not be available through traditional carrier offerings alone.
Whether you're an employer looking for alternatives or a broker seeking innovative solutions for your clients, Health Plan Apply provides access to a broader range of funding models and plan designs.
More options. Better decisions.
Healthcare is one of the largest expenses facing businesses today. Our goal is to simplify the process by bringing innovative health plan solutions together in one place — making it easier for employers and their advisors to compare funding models, provider networks, and plan designs.
Whether you're a sole proprietor, a growing business, or a large employer, Health Plan Apply can help you explore smarter health plan strategies that go beyond traditional insurance.
Health Plan Apply
More Health Plan Options. Smarter Funding Strategies. Better Outcomes.