Smarter Coverage Starts Here
At JQL Benefits Group, we simplify healthcare through smart partnerships with top Third-Party Administrators (TPAs). Our plans meet compliance requirements and deliver real value—without the high costs and rigid structure of traditional insurance.
Why Self-Funded Just Makes Sense
See the benefits of how self-funded plans via Third-Party Administrators (TPAs) stack up against traditional major medical.
Transparent Fixed
Monthly Premiums
No Employer Risk Beyond
Monthly Premium
Highly Customizable
Plan Options
Full Access to
Claims Data
We Handle the
Administrative Burdens
High Cost-Savings
Potential
MEC Plans
Minimum Essential Coverage (MEC) plans meet the Affordable Care Act’s individual mandate. They're designed to offer the required healthcare benefits that help employees avoid penalties for non-compliance. While all MEC plans are similar in scope, the real value lies in what you pair with them. Alone, MEC plans provide basic health coverage. But when combined with additional offerings, they become the building blocks of more robust, flexible solutions.
MEC Plus Plans
MEC Plus plans expand to standard MEC coverage. They typically include doctor visits, urgent care, and prescription drug access—making them ideal for businesses that need more than just basic compliance. While there are still some limits—such as annual caps on visits or in-network requirements—MEC Plus plans strike a smart balance between cost and coverage. They deliver broader care without the high price tag of major medical plans.
Minimum Value & Limited Day Plans
Minimum Value Plans (MVPs) and Limited Day Plans offer greater coverage than standard MEC plans and still meet ACA Penalty B requirements. They’re designed for employers who want more care options without the steep premiums of traditional major medical. These plans don’t require underwriting or health questionnaires, keeping enrollment simple. For many businesses, they’re the right fit—reducing premium costs while keeping employees covered.
LFMM Plans
Like MVPs, Limited Fixed Minimum Value (LFMM) plans meet the ACA’s value requirement while offering a broader service range than MEC plans. They allow employers to remain compliant and reduce overhead, while employees get access to affordable care that goes beyond the basics.
Let’s Build Your Plan
Our team is ready to help you find the right mix of compliance, coverage, and cost savings. We’ll match you with a trusted TPA partner to build a plan that fits your business.