The Wisdom of Narrow HMO Networks: A Smarter Path to Health Benefits

I’m excited to share a real-world success story: A small business with just four participants transitioned from a traditional UHC small group health plan to a Defined Contribution approach—resulting in over $100,000 in annual premium savings.

Here’s how they did it:

✅ Two participants qualified for medically underwritten, individually owned health policies, reducing their average monthly premiums from $2,100 to under $300.

✅ The other two shifted to ACA Off-Exchange policies, cutting family premiums from $5,300 to $2,600.

The key? Ohio’s Individual ACA Market offers closed-panel HMO networks, where the cost of care is up to 40% lower than PPO alternatives. These savings translate directly into significantly lower premiums—without sacrificing access to quality care.

With 12 Off-Exchange carriers and 140+ plan design options available in Ohio, it’s now easier than ever to match your preferred doctors and hospitals to an affordable HMO plan.

Can your business continue absorbing the rising cost of PPO group health plans?Let’s explore how you can increase employee take-home pay and improve your bottom line.