Resources

Group Buying

How buying health coverage as a group works, what association health plans are, and where the law stands.

10 articles

Group Buying6 min read

AHP Legislation Tracker: Where H.R. 6703 and S. 1847 Stand

A continuously updated, sourced status page for the federal bills that would legalize cross-industry group health buying for freelancers and small businesses.

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Group Buying5 min read

Why Group Size Is Negotiating Power in Health Insurance

The actuarial and economic reasons big employers pay less — and how organized groups of freelancers can start capturing some of that leverage.

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Group Buying4 min read

Portable Benefits: The Other Fix the Gig Economy Is Waiting For

Group buying is one path; benefits that follow the worker are another. Where portable-benefits experiments stand.

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Group Buying5 min read

What Is a MEWA? The Structure Behind Every Association Plan

Multiple Employer Welfare Arrangements are how group buying legally happens — and why regulators watch them closely.

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Group Buying5 min read

A Short History of Association Health Plans

From guild plans to the 2018 rule and its rescission — how AHPs got here, and why the rules are what they are.

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Group Buying4 min read

Chamber of Commerce Health Plans: The Group Option Hiding in Plain Sight

Some chambers legally offer member health programs today. How they work and what to ask before joining.

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Group Buying5 min read

PEOs: Renting a Big Company's Benefits — at a Price

Professional Employer Organizations put your team on their payroll to unlock big-group rates. The real trade-offs.

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Group Buying4 min read

ERISA Basics Every Small Employer Should Know

The federal law behind every benefit plan — what it demands even from a five-person company.

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Group Buying4 min read

Why New Associations Must Wait: The Two-Year Rule Explained

Both current guidance and pending legislation demand associations exist before they insure. Here's the logic.

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Group Buying4 min read

Who Actually Regulates Your Health Plan: State or Federal?

The split personality of American insurance law, and why it decides what group buying can become.

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