LEVEL FUNDED HEALTH PLANS

Offered by BBB and powered by FrontPath Health Coalition and Health In Tech.

Level-funded plans offer employers potential cost savings and consistency.

Year after year and survey after survey, small and medium-sized businesses consistently rank the affordability of health insurance as one of their top two challenges. The problem shows no signs of going away—but you already knew that.

For years, the Better Business Bureau® has made the NWOBA’s multiple employer welfare arrangement (MEWA) health insurance available to its members (using the Paramount platform). While MEWAs carry some risk and are not for everyone (always check with your broker), the NWOBA MEWA has provided value to BBB members.

But now the BBB has affiliated with FrontPath Health Coalition and Health In Tech to offer another option.

In partnership with Health In Tech, a Level Funded Health Plan program manager, FrontPath offers twelve health insurance plans through the BBB that reach our entire 24-county service area in Ohio and Michigan.*

Level-funded plans offer employers potential cost savings and consistency. Fixed monthly payment amounts cover medical claims, stop-loss insurance, and administrative fees, helping small and mid-sized employers better manage healthcare expenses.

FrontPath is a not-for-profit, member-focused coalition dedicated to providing flexible and cost-effective benefit solutions to health plan sponsors in collaboration with its broad network of providers.

*Available only through licensed brokers.

BBB members with 10-100 on-plan employees can now access the level-funded product created in partnership with Health in Tech, Stone Mountain Risk, and Blackhawk Claims Services.

  • Level-Funding, Spec, and Agg 12/18 Stop Loss Protection 

  • 12 preset plan designs 

  • 100% of funding surplus is returned to group 

  • AI-driven quoting process turns around quotes in as little as 72 hours with just a census—no health applications needed 

  • In-network coverage throughout the entire state of Ohio, southeast Michigan, and northeast Indiana 

PLANS AND NETWORK INFORMATION

Have questions about Level Funded Health Plans?

Contact FrontPath Health Coalition

Request a quote.

You (or your broker) can submit some preliminary information to FrontPath Health Coalition.

  • Please download, complete, and attach a census template (no waivers). In Column G, be sure to list each participating employee, spouse, and dependent with an assigned corresponding value.

  • Please specify your desired PEPM broker/consultant commission.

  • Please specify your member organization affiliation with the BBB.

Submit Request to FrontPath Health Coalition

Our Partners

About the Better Business Bureau

Better Business Bureau of Northwest Ohio and Southeast Michigan is among nearly 100 BBBs across North America. Its legacy as a consumer watchdog began in 1912 as part of America’s emerging truth-in-advertising movement. It became a trusted, top-of-mind resource for consumers and businesses. Its mission is to foster an ethical
marketplace where buyers and sellers trust each other. The BBB sets and promotes business honesty standards, educates about frauds and scams, and provides a trusted platform for ethical businesses and charities to stand out. Toledo and Lima’s BBB chapters began over 100 years ago, eventually merging in 2012 to fight the good fight together.

LEARN MORE

About FrontPath Health Coalition

FrontPath Health Coalition is the region’s only not-for-profit, locally owned and operated healthcare network. Through their broad provider network and cost-effective benefit solutions, FrontPath has carved a path allowing health plan sponsors to achieve the flexibility they need to design their benefits, access their data, and choose their partners. Since 1988, FrontPath has combined private and public sector employers and union trust funds into a coalition that speaks with a single voice to address the cost and quality of healthcare in our community.

LEARN MORE

About Health In Tech

Health In Tech is a technology company committed to disruption, innovation, empowerment, and transparency—aggregating all aspects of a Level Funded Health Plan by offering proprietary tools and technology that addresses the industry-wide efficiency flaws of quoting, administering, and using health benefits. These level-funded solutions are uniquely available for under-served small employer groups, providing the only marketplace where small and medium-sized employers can obtain a bindable quote within minutes. By utilizing national and regional high-performance networks of physicians and facilities, various health plan designs offer flexibility to meet the needs of all members.

LEARN MORE