No cost & Low cost options
$0 group cost, $0 member premium
Stop overpaying for Group Medicare Advantage. Choose between our no-cost and low-cost MSA plan options.
Member Choice & Flexibility
Annual cash payment from Medicare
Members decide how to spend, save or invest their deposit. Access any provider. No referrals or prior authorizations needed.
Different, Not Complex
Simple, for members and groups
Members are responsible for covered services until their deductible, then we pay. It’s that simple.
MSA Benefits
Something for Everyone
Offer goodwill and good coverage at $0 cost
- Enjoy the goodwill of offering Medicare Advantage coverage at no cost with our standard plans
- Perfect for groups who offer, used to offer or have never offered retiree health benefits
- Can offer to Medicare-eligible retirees for any sized employer (sole proprietors welcome!), government, union, PEO or employment-related association
- Available in all 50 states plus D.C., with nationwide access to Medicare providers
- Low admin – not subject to ERISA and easy enrollments/renewals
- The MA plan type most similar to Health Savings Accounts (HSAs)
- The only MA plan with an upfront cash payment that beneficiaries can spend, save or invest
- The annual deposit funds primarily stay in and support the local community
- Multiple options available to groups desiring to contribute monies to beneficiaries’ care
Spend, save or invest – the member controls their benefit
- $0 monthly premium, by law
- The only MA product with an upfront annual cash payment that can be spent, saved or invested
- Unused funds roll over to the prior year and can grow over time
- Low equivalent maximum out-of-pocket
- Access to any Medicare-participating and accepting provider in the US
- No referrals or prior authorizations
- Add a separate pharmacy plan that best fits
- Financial control of health, with a special financing program providing more time and flexibility when paying for covered costs under the deductible
Expand your service offering and revenues
- Expand your service portfolio by offering retiree health benefits at no cost to you or your group clients
- Grow revenue with monthly marketing stipends for each retiree enrolled with us
- No hassles – our enrollment and renewal processes are low-admin and easy
- Your service platform, ours or a combination of both
- Opportunities to co-brand or white label our MSA as your own
Payment assurance without care coordination & admin hassles
- High-deductible without the non-payment risk. We finance the members’ A/B liabilities below the deductible and pay providers on their behalf
- We pay providers quickly, accurately and in-full
- No referrals or prior authorizations
- No network contracts, credentialing, etc.
- Multiple levels of bonus programs available to reward clinical engagement, support local employers and tailor steerage to practice(s)
Distinctively better dynamics for group leads & sales
- PMPM commission for the life of the group
- More flexible and permissive lead outreach vs individual Medicare Advantage
- Conduct proactive outreaches to all the beneficiaries on behalf of the group
- Manage all the group’s leads, including the continuous stream of new-to-Medicare, and can sell the best fit…not just our Group MSA plans
- No AHIP certification required
Options to please everyone
Plan Designs for Any Beneficiary
MSAs for groups/employers of all sizes
Employees, retirees, spouses and dependents – select the best option for you. All amounts shown are full-year amounts. Deposits and deductibles are prorated for partial year enrollments.
Plan documents
Special MSAs for groups/employers with 19 or fewer employees
All amounts shown are full-year amounts unless specified below. Deposits and deductibles are prorated for partial year enrollments.
Plan documents (2026 documents available on/after 10/1/25)
MSAs for self employed individuals and/or their spouse
Meet the most HSA-like Medicare Advantage plan. Your business/group entity can contribute funds to your MSA bank account. All amounts shown are full-year amounts unless specified below. Deposits and deductibles are prorated for partial year enrollments. Enrollees must attest they or their spouse either meet the IRS’ definition of a sole proprietor or are the owner of a corporation.
The group can choose to pay the fee/receive the deposit on a monthly or annual basis.
