At Pinnacle Health Plans, we understand what brokers need to stay competitive: affordable, streamlined benefit options that meet Part A of the ACA Shared Responsibility requirements and deliver results. Our Cost Plus MEC Plans start at just $50 per employee per month for all tiers, offering transparent pricing and national network access without the complexity of traditional carriers. Flat-rate pricing, custom plan designs, and national networks all in one affordable package.
What is a MEC Plan?
A Minimum Essential Coverage (MEC) Plan is a cost-effective solution that helps employers meet ACA Requirements Part A Shared Responsibility Provision by providing preventive and wellness services without offering full major medical coverage. MEC Plans are ideal for businesses seeking to avoid penalties while maintaining affordability and compliance. With our Cost Plus MEC Plan, we strip away the unnecessary overhead and offer transparent, predictable pricing giving brokers a competitive edge in the market.
Why Brokers Choose Us
Pinnacle Health's Cost Plus MEC Plans are built for brokers who want to lead with value, simplify renewals, and offer something different. With $50 PEPM starting price for groups, you can position your clients for compliance and savings without the noise of fully insured models.
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Explore how we can help you win and retain more business.
Flat Rate Pricing
One clear, consistent price:
Starting at $50 PEPM for all tiers.
National Network Access
Offer care to members through trusted names like PHCS and First Health.
Custom Plan Designs
Create solutions tailored to each client’s workforce, while ensuring ACA compliance.
EDI Feed Integration
Automated data exchange to streamline implementation and ongoing administration.
Employee Navigator Available
Simplify onboarding and benefits management through one of the industry’s most trusted platforms.
Case Study:
Home Health Company
A home health company with 91 employees was growing increasingly frustrated with the limitations and cost of their fully insured MEC plan. After a detailed review of their claims data, we discovered the company averaged just $5.20 per employee per month in claims over a two-year period.
Using a Cost Plus MEC plan, we introduced a transparent alternative that eliminated hidden markups and excessive profit margins baked into their prior coverage. By removing these unnecessary costs, we helped the employer save almost $700 per employee annually, a significant savings for a company covering 100% of the employee-only premium.
These savings allowed the company to reinvest in their benefits strategy by offering a fully ACA-compliant health insurance plan that met both Minimum Essential Coverage (MEC) and Minimum Value (MV) standards providing employees with better, more affordable care options.
