Características Level Funded PEOs PEO4YOU State Marketplace Plans
Required to Pay Medical Bills (ACA) ✔️ ✔️ ✔️ ✔️
Provides Reimbursement on Low-Claim Years ✔️ ✔️
No Profits Generated by Denying Claims (ERISA) ✔️ ✔️
Dedicated Account Manager ✔️ ✔️
Strong Incentive to Fix Medical Billing Errors ✔️
Free Teledoc and Price Comparison Shopping ✔️ ✔️
Includes Comprehensive Dental and Vision ✔️ ✔️
Makes Ancillary Benefits Available (e.g., 401k & LTD) ✔️
No Payroll and Workers’ Comp Requirement ✔️ ✔️ ✔️
Rates Are Not Medically Underwritten ✔️ ✔️ ✔️
No Medical Health Questionnaires Required ✔️ ✔️ ✔️
Renewal Increases Not Based on Claims History ✔️ ✔️ ✔️
Enroll Dependents Without Certificates ✔️
Can Cancel Month-to-Month ✔️ ✔️
Network Size Generally Large Generally Large Blue Cross PPO Variable
Enrollment Minimum and Participation Requirements 2+50% 2+/5+w/50% 2+w/50% 1+w/50%
Valid Waivers Count Yes – 75% No Yes Yes (Except for NY and VT)
Multi-Plan Offering Available Yes – 2-3 Yes – Up to 5 No Yes
Age-Based Rates Yes Yes No Yes
Typical Relative Price $$ $$ $$$ $$$$