Medical Expense Plan Options

Choose the plan that works best for your organization. 

MHS offers several options for members with 25 or more insurance-eligible employees, each requiring different capitalization:

Fully Pooled 
This plan operates much like a fully insured plan. The Employer pays a premium covering member risk, pooled risk, and reinsurance, plus specific administrative fees.

Employer Self-Funded
Operating like a traditional self-funded plan, the Employer Self-Funded Plan has a specific and aggregate stop loss. Groups manage their own plan, with support from a third-party administrator and use of a reinsurance carrier for stop-loss coverage.

Compare our Plans
Compare our options for health insurance and choose the best fit for your organization here. 

Whichever plan you choose, all members are encouraged to develop wellness strategies and create a culture of health and well-being. Our mandatory wellness program contains annual biometric screening and financial incentives, while care management programs provide intervention and support to avoid more costly care.

Email Clare Krabill at to ask questions, seek advice, or get a quote.