Small Group Solutions

Whether you are a small business or a nonprofit organization we know that health and wellness is vital to maintaining a productive team. There are many life factors that can cause your essential team members to be off their game such as health and financial concerns. 

Health coverage for small businesses that protect employees and the bottom line.

With a traditional fully-insured health plan you pay a fixed premium to the insurance carrier. The insurance carrier collects the premiums and pays the health care claims based on the coverage benefits outlined in the policy.


Our Self-Funded & MEC (Minimum Essential Coverage) Plans are specially designed to provide affordable health benefits for small-sized businesses and nonprofits.

Options at a glance
Open For Business

Originally designed to be an affordable way for small businesses to meet the ACA (Affordable Coverage Act) mandate. 

A business meeting

Specifially designed to provide affordable health benefits without sacrificing quality coverage for your employees.

Minimum Essential Coverage (MEC) Plans

MEC plans are lower-cost health benefit options that provide access to preventive and wellness care benefits. With several levels to choose from, you can pick the right one for your group. 

Benefits of our MEC Plans:

  • Low minimum participation

  • No underwriting

  • Multiple plan designs and price points

  • No deductibles to meet

  • Identical plan coverage in all 50 states

  • Preventative care covered at 100%

  • Copay plan options with unlimited visits

  • Enroll full-time, part-time and contract workers

Plan Enhancements:

  • Telemedicine

  • Primary care visits

  • Specialist care visits

  • Urgent care visits

  • Laboratory and x-ray services

  • Generic and brand prescription coverage

  • Hospital indemnity plan available 

Self-Funded Plans

With the Franklin Insurance Soutions LLC Self-Funded Program you have one predictable monthly payment that is split three ways:

Claims fund – Your contribution to the claims account is determined upfront and is guaranteed not to increase for a full year as long as there are no changes to your group's benefits or enrollment.

Stop-loss insurance – If your group's claims are higher than expected, stop-loss insurance protects your business's assets. 

Administration – All day-to-day administration of your self-funded plan – including claims processing and customer service – is taken care of for you, so you're free to focus on your business.