Association Health Plan

75% of members could save an average of 10% or greater on their employee benefits costs.

To help our members combat the high cost of health insurance, the IRTBA/MMA/Blue Cross Blue Shield has formed an Association Health Plan exclusively for members.

This new plan will help achieve 5 main goals:  

1. Stability - Avoids many aspects of the Affordable Care Act (ACA) that cause cost increases for small business owners. 
2. Several levels of benefits options - There are 8 Blue Cross Blue Shield plans to choose from, including 6 PPOs, 1 HSA, and 1 HMO.
3. Access to doctors employees want – access to the largest doctor and hospital system in Illinois and across the country - Blue Cross Blue Shield.
4. Affordable premiums - It is predicted that this  Association Health Plan will likely save between $1,900 and $4,100 per employee per year as compared to small group plans. 
5. Reasonable cost increases - The IRTBA has chosen Blue Cross Blue Shield as the insurance carrier. Blue Cross Blue Shield has superior brand recognition, networks, and lower-than-average cost increases compared to other carriers in the market. 

Enrollment is easy, and the resources for companies and their employees include:

• Quotes directly from MMA or your appointed insurance broker.
• Decision support tools (side-by-side interactive comparisons to help employees decide which plan is best for them).
• A pre-enrollment service offering one-to-one plan consultations.
• Superior technology and the ability to link directly with member advocates and clinical staff through the mobile phone app.
• On-demand educational videos, access to health coaches, and telephonic office hours to help members manage serious health conditions and address concerns.