LHAT-HP (Employer Health Program)

An Exclusive Plan Built for LHAT Members

COMPREHENSIVE MEDICAL COVERAGE FOR YOUR STAFF

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Navigating today’s complex healthcare landscape can feel overwhelming, but having the right team on your side can make all the difference. That’s where an Association/Affinity Group Sponsored Health Program (AHP) comes in.  The League has joined other national associations to get the buying power of larger groups and companies who otherwise had access to health program benefits that smaller organizations did not have. 

With rising healthcare costs, smaller employers often find themselves stuck with expensive, rigid health plans. AHPs offer a solution by allowing businesses within the same industry or association to band together, pool resources, and offer more affordable, flexible healthcare options to their members.

In simple terms, an AHP lets small businesses join forces to access the kind of group health benefits usually reserved for larger companies. By pooling their risks, smaller businesses can get more comprehensive, ACA-compliant healthcare plans—at a lower cost. This strength in numbers approach gives smaller employers access to better terms than they would likely find on their own.

The LHAT Health Program (LHAT-HP) is your access into a more affordable health plan.

Healthcare coverage is one of the most volatile costs for employers. With the LHAT-HP, League members can minimize the costs and stress of finding and providing employees coverage. Through the LHAT-HP, you and your employees as well as their dependent family members are covered.

Updated 10.25.2024

Learn how the program works to give you amazing coverage at affordable rates

Because we have been offering this for a couple of years now, we know that it might not be the solution for every member.  And, we got feedback from our members who are using it in order to make improvements.  If nothing else, get a quote and see if it can save you money and or give you an important and affordable benefit for your staff.

New DOL Rule Expands Health Plan Options 

A new rule from the U.S. Department of Labor (DOL) makes it even easier for small businesses to join AHPs. It broadens the definition of "employer," which means businesses in the same industry, affiliation group or even just those located in the same area, can come together to offer health plans. This opens the door for small businesses and even sole proprietors to access large-group health plans. The result? Potentially lower costs and more flexibility when it comes to healthcare.   As a member of LHAT, you now have access to an AHP.

Tailored Health Plans for Individual Groups

AHPs are particularly beneficial for Association/Affinity Groups, like those in transportation or hospitality. These groups can create health plans tailored to the specific needs of their members. For example, a transportation association might offer accident insurance for drivers or include occupational health services in their coverage. This kind of customization leads to more meaningful benefits for members, and since the plans are more relevant, the premiums are often lower compared to standard insurance options.

For smaller employers who are worried about the unpredictability of self-funding, level-funded plans offer a nice middle ground. These plans mix the stability of fully insured plans with the flexibility of self-insured ones. Businesses pay a fixed monthly fee to cover expected claims, plus stop-loss insurance to protect against any unusually high claims. If claims turn out to be lower than expected, employers might even get a refund at the end of the year—making these plans a great choice for risk-averse businesses.

The Bottom Line

In today’s world of rising healthcare costs, AHPs offer a smart, practical way for small to medium-sized businesses to access affordable, tailored healthcare plans. By pooling resources, Association/Affinity Groups can offer their members real savings while improving the benefits they receive. Plus, these groups get the added bonus of boosting their own financial health. It’s a win-win for everyone involved!