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Health Plans for Small Businesses
Affordable health coverage for small businesses. Explore comprehensive health plans, competitive rates, and flexible coverage options designed for growing teams.
Coverage for Growing Businesses
Health plan options for businesses with one or more employees.
Comprehensive Plan Options
Compare networks, benefits, and coverage options.
Competitive Rates
Quality coverage designed to fit your budget.
Expert Guidance
Work with a licensed advisor for personalized recommendations.
Featured plans for growing businesses
Cigna PPO AHP
Nationwide Cigna Open Access Plus PPO through an Association Health Plan — fixed monthly premiums.
PHCS PPO + RBP AHP
PHCS MultiPlan nationwide PPO paired with Reference-Based Pricing for hospitals.
Northwell Direct
Multi-employer plan available nationwide via a National Tier 2 PPO, with Northwell Direct in the NY metro.
Built for business owners
Affordable Coverage That Grows With Your Business
America's small businesses are the backbone of our economy, yet many continue to face limited and expensive health insurance options. Rising premiums, restricted plan choices, and increasing healthcare costs can make it challenging for smaller employers to offer quality benefits while managing their budgets.
At Health Plan Apply, we believe small businesses deserve better. That's why we've assembled a portfolio of innovative health plans designed for small employers, independent professionals, working business owners, and growing teams.
Whether you're establishing health benefits for the first time or expanding your workforce, our plans offer flexible coverage options that can evolve with your business. As your company grows, your health benefits can grow with you, helping you maintain affordable coverage, competitive benefits, and greater control over healthcare costs.
Start owner-only
Coverage designed for one-person businesses, freelancers, and consultants — no employees required to qualify.
Grow as you hire
Seamlessly add employees to the same plan, moving from owner-only to full employer-sponsored benefits.
No strategy reset
Your health plan grows with you — keep your network, carriers, and benefit approach as you scale.
Association Health Plans
Association Health Plans (AHPs)
One of the most popular options for small businesses is an Association Health Plan. AHPs bring together employers and businesses into a larger purchasing group, creating opportunities for greater buying power, competitive pricing, comprehensive benefits, and more predictable healthcare costs. Certain AHPs also accept single-person corporations and LLCs, making them a cost-effective option worth considering for smaller businesses seeking quality health coverage.
Cigna PPO AHP
Association Health Plan with nationwide Cigna PPO access
- Nationwide Cigna Open Access Plus PPO
- Six plan designs including HSA
- Fixed premiums for 12 months
- Groups of 1 – 99 employees
PHCS PPO + RBP AHP
Nationwide PHCS PPO + Reference-Based Pricing for hospitals
- Nationwide PHCS MultiPlan physician network
- Reference-Based Pricing for hospitals
- Fixed premiums for 12 months
- Six plan designs including HSA
Additional national PPO options are available based on your location and eligibility. Each Association handles plan administration, underwriting, and claims management — so you can focus on running your business, not your health plan.
Multi-Employer Health Plan
Northwell Direct by Memberly for Sole Proprietors
One of our most unique offerings is the Northwell Direct Multi-Employer Health Plan by Memberly.
Many business owners assume this plan is only available to employers located in New York. In reality, approximately 70% of participating members live outside of New York and access care through the National Tier 2 PPO.
Employees and business owners living anywhere in the United States can receive care through National Tier 2 PPO providers while also benefiting from enhanced access to the Northwell Direct network when receiving care in the New York metropolitan area.
You don't need to be located near Northwell Health — or even in New York — to be eligible to participate through the multi-employer program.
Northwell Direct
Directly Contracted Tier 1 Network
- Northwell Direct Tier 1
- National Tier 2 PPO
- Available Nationally
- Starts at 1 employee (subject to approval)
- Rates as much as 50% below comparable plans
- Employer and broker support by Memberly
Plans Selected for Value and Stability
Every health plan offered through Health Plan Apply is carefully evaluated for quality, network strength, financial stability, and long-term value.
Rather than presenting hundreds of plans, we focus on a select group of proven solutions that deliver competitive pricing, comprehensive benefits, and dependable service for business owners.
Whether you're looking for a traditional PPO, an Association Health Plan, or a multi-employer solution, we'll help you identify the option that best fits your business, budget, and healthcare needs.
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.
Ready to Find a Better Health Plan?
If you're a small business owner looking for affordable, quality health coverage, let us help you explore plans designed to meet your needs. Whether you're seeking lower premiums, broader provider networks, more comprehensive benefits, or coverage that can grow with your business, Health Plan Apply makes it easy to compare your options with one simple application.
- Compare Multiple Plans
- Fast Eligibility Review
- Nationwide Coverage Options
- Plans Designed for Sole Proprietors and Small Businesses