Carrier Health Plans
Compare Traditional Health Insurance with Smarter Alternatives
Health Plan Apply gives employers access to traditional carrier health insurance plans from many of the nation's leading insurance companies — plus innovative funding strategies most agencies don't offer.
Through Memberly Benefits, we work with carriers nationwide to source fully insured health plans for employers of all sizes. But we don't stop there. Unlike a traditional insurance agency that only quotes carrier plans, Health Plan Apply helps employers compare multiple funding strategies to determine which solution delivers the best value for their business.
Traditional Carrier Health Plans
Familiar plan designs. Established networks.
Traditional fully insured health plans remain an excellent solution for many employers. Plan availability varies by state and employer size.
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.
Local carriers with strong regional networks and providers.
State-specific plans tailored to local employer markets.
Typical Carrier Requirements
Most traditional carrier health plans require:
- Minimum of 2 enrolled employees
- Employer contribution toward employee coverage
- Approximately 50% employee participation (varies by carrier and state)
- Standard carrier underwriting and eligibility requirements
Don't meet the requirements?
For employers that don't meet these requirements, Health Plan Apply offers several alternative solutions — starting with just one employee.
Explore alternativesCompare All Your Options
One application gives you access to multiple health plan strategies — not just traditional insurance. Many employers are surprised to learn they may qualify for alternatives that do not require traditional carrier participation rules.
Starting with 1 employee
Association Health Plans
Designed for employers, sole proprietors, and professionals seeking fixed premiums.
- Cigna PPO Association Health Plan
- PHCS PPO + Reference-Based Pricing (RBP) AHP
- Ideal for 1–99 employees, sole proprietors, and small businesses
Starting with 1 employee
Northwell Direct by Memberly
Exclusive multi-employer plan pairing Northwell Direct with Anthem BCBS National PPO.
- No minimum participation or contribution
- Enrollment available year-round
- Nationwide Blue Cross Blue Shield access
- Potential costs 40–50% below traditional market plans
Starting with 5 employees
Level Max™ Level-Funded Plans
Predictable monthly costs with potential to reduce long-term healthcare spending.
- Networks: Aetna, UHC, Cigna, BCBS, PHCS MultiPlan, RBP
- Potential claims fund refunds
- Greater transparency than traditional insurance
Starting around 50 employees
Level Flex™ Self-Funded Plans
Maximum flexibility and control for larger employers.
- Employer ownership of plan assets
- Custom provider networks & flexible stop-loss
- Complete claims transparency
Which Solution Fits Your Business?
| Employer Size | Recommended Options |
|---|---|
| 1 Employee | Association Health Plans • Northwell Direct |
| 2–4 Employees | Carrier Plans • Association Health Plans • Northwell Direct |
| 5–49 Employees | Carrier Plans • Association Health Plans • Northwell Direct • Level Max |
| 50+ Employees | Carrier Plans • Level Max • Level Flex Self-Funded |
Why Compare Before You Buy?
Many employers automatically renew their carrier plan each year without realizing there may be better alternatives available. Comparing multiple funding strategies often uncovers opportunities to:
- Lower healthcare costs
- Expand provider access
- Improve employee benefits
- Stabilize annual renewals
- Reduce administrative complexity
- Find solutions that better fit their workforce
Start Comparing Today
One application. Multiple health plan strategies. Better choices for your business.
Plan Disclosure: Carrier health plans are offered and underwritten by the applicable insurance carrier and are subject to the carrier's eligibility requirements, underwriting rules, service area, provider networks, rates, policy terms, and regulatory approvals. Health Plan Apply and Memberly, Inc. are not the insurer and do not determine or guarantee coverage, claims payment, provider participation, or carrier approval. Carrier names, trademarks, and logos are the property of their respective owners. The applicable carrier policy and official plan documents shall govern.