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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.


"The insurance offered through the NPMA Health Insurance Exchange is well priced and the benefits cover 3 states in our case, which is very hard to find! They offer different levels of coverage, per price, and employees can pick what suits their needs. We are very happy with our insurance program and appreciate the assistance we’ve received while going through the process."
-Andrea Edwards, Carter Services, Inc.



  • 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. All NPMA members receive a block overall discount advantage. 
  • Select Med Pro and Max Plans- For employers that are looking for a medical plan with no underwriting requirement and no minimum participation, this option makes that a reality.
  • freshbenies: Practical tools to control your healthcare (and more)... in one easy membership! Your employees and their families need help with healthcare. freshbenies gives them practical tools to control out of pocket costs - in one easy membership for as low as $12 a month per family. Employees have access to these services at no additional cost: Telehealth, Doctors Online, Advocacy, and savings networks for Rx, Dental, Vision, Chiropractic and more. Click here to learn more. 
  • 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.
  • Protect Your Employees and Their Families - Your employees get the advantage of working with a business that offers them a prized benefit: ACA-compliant coverage that may cost them less than they could find on their own. Learn more.
  • Consumer Directed Spending Accounts
    Check out a brief video covering HRA, FSA, copayments and coinsurance information.
    • 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 Guaranteed Issue 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
    • Nippon Dental Benefits provides unique and flexible dental solutions for companies with 2-50 employees, designed to stretch your benefit dollars, while offering comprehensive coverage and extraordinary service. Through flexible plan options they are supported by networks such as Aetna Dental Administrators and Fist Dental Health. These benefits are limited in some states.

      Nippon Vision is powered by Eyemed and they offer multiple benefit selections for companies with 2-50 lives. Eyemed offers 87,000 + providers with benefits ranging from frames and lenses, to discounts on laser vision correction. These benefits are limited in some states.
  • 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. 
  • DKYC HR Technology Platform
    • David K Young Consulting in conjunction with NPMA is now able to offer an HR technology system that can assist you with all your Human Resources related items in a one stop shop platform.  The employer size can range from 2-40,000 and is available for use in all 50 states. Other vendors such as ADP, Paychex, Zenefits, etc., are compatible with the platform and there is centralized support available. This allows for easy on-line enrollment for open enrollment and new hires, along with optional integration with COBRA, FSA, HRA, HSA, and retirement plan partners. Also included with the onboarding options are EEOC, I-9's, W-4's, and more.  ACA tracking and reporting, along with time off requests, and asset tracking are also part of the many functions that are available.  For more information contact JerriLynn Cobb at
  • 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 $1.25 per person/per month with an additional $5.50 per person/per month for HRA and HSA participants. FSA is also an additional $5.50 per person/per month fee. 

This is NOT an all or nothing type of benefit offering. We will work to customize a package that best services the needs of you and your employees. You can take advantage of only the benefits that are most useful for you. This is not an all or nothing benefit offering and health coverage is not a requirement to take advantage of the variety of other voluntary products and services. 


"Just wanted to tell you how happy we are with the health, dental, and vision insurance. The programs are going great. You are very responsive when a question arises. You do an outstanding job helping us administer the insurance and make my life as a small business owner easier."
- Chris Bavosa, East Cooper Termite and Pest Solutions