Our
mission
HBA removes barriers to healthcare so that individuals and families can afford plans that provide access to care when they need it.
Everyone deserves affordable, quality healthcare.
But even after the passage of the Affordable Care Act over a decade ago, millions of people remain either uninsured or functionally uninsured due to rising premiums and inflated deductibles. Some lack access to an employer plan. Some are in-between plans, including early retirees. The functionally uninsured technically have insurance coverage, but feel reluctant to access care due to barriers like high deductibles or excessive out-of-pocket expenses. We believe there’s a better way.
We've designed healthcare plans to fit a broad range of needs and budgets, enabling people to get the care they need, when and where they need it.
Compliant plans and affordable benefits
The Health Benefit Alliance™ designs ERISA and Affordable Care Act (ACA) compliant plans for the millions of workers who have found it challenging to access healthcare. 74% of non-elderly adult Americans want coverage but can’t afford it due to plan complexity and high premiums. Our plans appeal to a diverse labor force with varied needs, from employees seeking convenient, low-cost options to those who value the extensive coverage of a Platinum plan.
Market demand for HBA solutions is clear:
44%
of heath plan members are skipping care due to unknown costs.¹
50%
of American workers are unable to afford $1,000 out-of-pocket for an unexpected medical event.³
49%
of insured Americans who take prescription medicines face insurance barriers to accessing their medicines.²
$5,373
is the average annual health insurance deductible.⁴
The impact: even insured individuals are foregoing care due to high out-of-pocket costs.
Can your employees afford to use your health plan?
HealthSparq 2022 Healthcare Consumer Benchmark Report
Pharma.org, The patient experience: Uncovering the barriers to care for insured Americans, March 2022
Kantar, Workforces Report Survey, June 2023
Kaiser Family Foundation, ACA Open Enrollment 2024
How HBA
expands access
While the ACA reduced the number of uninsured Americans, it resulted in higher premiums and out-of-pocket costs that put health insurance out of reach for many. That means that millions of people—many hourly and part-time workers—still seek a cost-effective, common-sense health plan solution. The Health Benefit Alliance™ offers that solution.
78+ million people are hourly workers
many of whom lack affordable access to an employer health plan.
Many other workers
continue to struggle to find an affordable healthcare plan that aligns with their needs.
HBA streamlines benefit design to include the services people need—preventative and primary care, prescriptions, behavioral and telehealth—and then we scale our plans up from there. We designed a full spectrum of plans to meet a wide range of needs and budgets including:
▪ Employers who want to offer a plan to cover just the basics for part-time employees
▪ Plan sponsors who want to include a platinum-level option for their workers
All Health Benefit Alliance plans include:
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No-cost access to over 90% of the most commonly dispensed generic medications through HBAScripts℠.
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Access for convenient primary care appointments through HBAeHealth℠.
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HBAeHealth℠ tracking and management of your health metrics through LifeVitals.
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Access to behavioral health teletherapy through HBAeHealth℠.
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Specified generic oral diabetic medications and supplies for $0 copay and low-cost insulin through HBAScripts℠.
WE PRIORITIZE YOU:
HBA participants choose their coverage from a spectrum of plans that balance their medical needs and economic means.
Plan Portfolio
HBA has built ERISA and ACA compliant plans available in all fifty states. All of our plans provide no-cost, frictionless access to the most commonly prescribed medications, telehealth, teletherapy, and reduced-cost insulin.
ERISA Compliant
Limited Day Medical℠ Plans
ACA Compliant
Minimal Essential Coverage Plans
Minimum Value And Qualified Plans
TeleHealth Care Plans
What our customers are saying
