member center

health insurance

Focused on providing small and mid-sized employers with benefit options previously only made to larger employers, the NPMA Insurance Exchange offers cost effective benefit solutions that make sense in today’s unpredictable marketplace.





  • Self-Funded Medical Plan - available to those groups that meet the standard requirements of number of eligible employees with PPO and HSA-compatible high-deductible health plans available. Available in all states except DC, HI, NH, and NY. Block underwriting advantage for all NPMA members. 
  • Health Reimbursement Arrangement - for those employers that don’t meet the underwriting guidelines, or have higher than expected premiums, you can now offer your employees the ability to use tax-advantaged account dollars to pay for individual healthcare premiums.
  • Consumer Directed Spending Accounts
    • Health Savings Account (HSA) – an HSA is a tax-advantaged personal savings account that can be used to pay for medical, dental, vision and other qualified expenses now or later in the employee’s life. 
    • Health Care FSA – A flexible spending account (FSA) is an employer-sponsored benefit account that allows employees the opportunity to set aside pre-tax funds to help pay for eligible healthcare expenses.
    • Dependent Care FSA gives your employees the ability to pay for work-related dependent care expenses with pre-tax dollars. DCA’s may provide your employee more tax advantages than the federal income credit.
    • Limited-Purpose FSA – For employees who are actively contributing to an HSA account, a Limited-Purpose FSA allows for employees to maximize their health care dollars. A Limited Purpose FSA can be used for immediate dental and vision expenses, that HAS dollars can be saved for future medical expenses.
  • Voluntary Insurance Products (VIP) through Transamerica Life Insurance Company
    • AccidentAdvance® 
    • CancerSelect® Plus
    • TransDI® Plus (short-term disability)
    • Hospital Select® II 
    • Trans Select 20 Term Life Insurance 
  • Dental Coverage
    • NPMA members can take advantage of dental quotes through MetLife Dental. MetLife is offering transitional dental care that will ease the transition of moving from one dental carrier to another. Through this offering there is continued dental care for dental treatment already in progress. With these “Transition of Care” guidelines, as well as support and guidance from our experts, you can be confident in your decision to choose MetLife to deliver your dental benefits.
  • Active & Fit Program
    • Maintaining a healthy and fit lifestyle is important for your longterm health. NPMA members have the option to choose from more than 9,000 participating YMCA's and fitness centers across the U.S. for $25 per month. Click here for more information.
  • Hospital Indemnity
    • Everyone deserves a better tomorrow, and insuring against potential hardships is a great start! NPMA is providing a hospital indemnity plan to its employer groups to allow members to enroll and protect their families against unexpected hospital costs. Hospital indemnity insurance pays an amount for each day the insured is hospitalized, up to a specific maximum limit. Because the benefits are paid to the insured directly, the insured can use them to help pay for out-of-pocket expenses, such as deductibles and copay costs that would be hard to pay due to missed work. Hospital Select II features benefits for full-time, part-time, hourly, and seasonal workers. There is no coinsurance, copays, or waiting period or deductible.
  • CancerSelect Plus
    • NPMA offers Cancer-only indemnity insurance through Transamerica Life Insurance company. Good medical insurance helps, but is it enough? While some individuals diagnosed with cancer have meaningful and adequate health insurance to pay for most of the cost of treatment, privately insured workers face the prospect of crippling out-of-pocket costs. For your employees that are 18 years old or older, they can purchase this valuable supplemental benefit, and can also choose to insure their eligible family members. This allows your employees to not only have more resources to cope with any future diagnosis of cancer, but also wellness benefits to help detect cancer early. 
  • Vision Benefits through Metlife
    • Vision benefits help keep employees’ eyes healthy — but there’s more to them than meets the eye. In fact, many people are surprised to learn that good eye care can be a powerful way to prevent or diagnose overall health issues — like diabetes, hypertension, and more. Connecting the dots between vision and overall health can help employees see the full value of the benefits you offer.
  • Identity Management Services
    • CyberScout offers valuable services that deliver continuous protection at every stage of life. Click here to learn more about protecting your future. Available to all NPMA members
  • DKYC Auto eClaims
    • DKYC Auto eClaims is a service offered by David K. Young Consulting, LLC. It takes the pain out of managing taxadvantaged benefit accounts by automating substantiation and simplifying claim submission for reimbursement. Click here to learn more. 
  • And much more!  


  • Our administrator will collect census information about you and your employees and forward that information to National General 
  • National General will return a quote to our administrator, which is then presented to you for review
  • Once you decide that you are interested, a custom URL link is provided by National General to allow you and your employees access to enrollment forms that are electronically submitted
  • Underwriting takes approximately 5 days to complete
  • Once all underwriting is completed (it typically takes 5 business days), a formal offer is presented to you
  • If you choose to proceed with the program, a custom enrollment portal will be set up for your company




The cost to participate in the exchange is $6.00 per person/per month with an additional $5.50 per person/per month for HRA participants. FSA is an additional $4.00 per person/per month fee. 

This is NOT an all or nothing type of benefit offering. You can take advantage of which ever benefits are most useful for you and your employees. You do not have to have health coverage to take advantage of the other benefits being offered.