MEC Plans
MECFlex™
A self-funded MEC plan that combines ACA compliance with pay-as-incurred claims and a flat $59 monthly administrative fee across all coverage tiers.
MECFlex™ by Memberly
Self-Funded Minimum Essential Coverage with a Flat $59 Administrative Fee
MECFlex™ provides employers with a flexible, self-funded approach to Minimum Essential Coverage (MEC) while maintaining greater control over benefit design and healthcare costs. Unlike traditional fully insured MEC plans with fixed premiums and limited flexibility, MECFlex™ allows employers to customize their benefit structure while paying a flat administrative fee of just $59 per enrolled employee per month.
The $59 Flat Administrative Fee Is the Key to Lower Costs
One of the biggest advantages of MECFlex™ is its flat $59 monthly administrative fee, regardless of the enrollment tier. Whether an employee enrolls in Employee, Employee + Spouse, Employee + Child(ren), or Family coverage, the administrative fee remains exactly the same.
Instead of paying higher premiums for family coverage, employers simply pay the actual eligible claims incurred by covered members. This creates a more predictable and transparent funding model.
Modular design
Build coverage from preventive-only up to richer benefit layers.
Cost transparency
Self-funded visibility into claims utilization and spend.
Scales with you
Adjust benefits as workforce and budget evolve.
Why MECFlex™ Costs Less
MECFlex™ is designed to produce savings through several key factors:
- Low flat administrative fee of $59 per enrolled employee.
- No hospital or surgical coverage, eliminating the largest source of healthcare claims.
- Historically low utilization of MEC plans, as many members use little or no covered services.
- Pay only for actual eligible claims, rather than paying fixed premiums regardless of utilization.
- Start with preventive-only coverage and enhance benefits over time as your budget and workforce needs evolve.
Because MEC plans generally experience low utilization and exclude expensive hospital and surgical claims, many employers realize substantial savings compared to traditional health plans.
Flexible Benefits That Grow With Your Business
MECFlex™ can be designed to include only ACA-required preventive care or expanded to provide additional benefits such as:
Employers have the flexibility to create a benefit package that balances employee value with budget objectives.
Complete Transparency and Control
Unlike traditional insured plans, MECFlex™ gives employers visibility into plan performance, claims activity, and benefit utilization. As your workforce changes, benefits can be adjusted to better align with your organization's healthcare strategy while maintaining predictable administrative costs.
MECFlex™ — FAQs
Ready to design a MECFlex™ plan for your workforce?
Get a tailored quote and see how modular self-funded MEC can fit your budget and benefits strategy.
Apply Now
Request your MEC Flex proposal
Share a few details and your employee census — we'll build a customized proposal for your group.
Step 1 of 4 — Your info
Step 1 of 4
Your information
Tell us how to reach you.
Plan Disclosure: MEC Flex™ is a self-funded Minimum Essential Coverage plan under which the employer funds eligible claims as they are incurred. It is not comprehensive major medical insurance and is not designed to cover hospitalization or major medical expenses. Benefits may be customized within applicable plan and regulatory requirements. Employer costs may vary based on actual claims and enrollment. In the event of any discrepancy, the official plan documents shall govern.