There is a lot of talk about Association Health Plans (AHPs) recently. It is exciting to have new options for Associations and employers who are already aligned with a group or who are looking to join a group. Basically, Associations may use the previous DOL ERISA rules of bona fide Associations or they employers may start an Association Health Plan using the new guidance.
The Dillon Health Team has three key employees who have been employed by Associations with successful medical insurance plans that have been both fully insured and self-funded. More importantly, we understand the needs of the Association and the leaders of Associations to create non-dues revenue for the organization. There are many challenges that an Association will face when starting a program far beyond understanding the regulatory environment of the program.
Dillon Health’s growth and experience running Association Health Plans (AHPs) for groups prior to Obamacare and now under the current administration have given us vast experience in the ERISA landscape regulatory environment.
The biggest problem facing Associations under these rules is how to present this opportunity to insurance carriers and working with existing broker relationships for long-term success. AHP’s can be great for Association growth but the key stakeholders need to understand the amount of time and effort it takes to truly build a successful AHP. We have experience in both fully insured and self-funded Multiple Employer Welfare Arrangements (MEWAs) and will be able to successfully educate on the challenges and opportunities for your organization in setting up a thriving non-dues revenue program. Please look at these programs below.