Coverage that fits every team.
From ACA marketplace plans to PPO, HMO, HSA-compatible, dental & vision, and Association Health Plans — explore the coverage types we offer and dive into the details that matter for your team.
Explore Coverage
Every coverage type, one place
Click any card for a deep-dive on how the plan works, what it covers, and who it's a fit for.
ACA Plans
Marketplace CoverageAffordable Care Act plans offer comprehensive, guaranteed-issue coverage through the federal Marketplace — with income-based subsidies that can dramatically lower monthly premiums.
- Covers all 10 essential health benefits
- No denial for pre-existing conditions
- Premium tax credits & cost-sharing subsidies
- Metal tiers: Bronze, Silver, Gold, Platinum
Association Health Plans
Group Buying PowerSmall employers in the same industry or profession band together to purchase health coverage as one larger group — unlocking stronger negotiating power, broader network options, and often meaningful savings.
- Stronger negotiating power through pooled membership
- Broader network options than small group plans
- Often 10–30% savings compared to traditional small group
- HSA-compatible options available
PPO Plans
Maximum FlexibilityVisit any provider without a referral. Out-of-network coverage included.
- No referrals needed
- Wide network
- Out-of-network coverage
HMO Plans
Cost-EffectiveCoordinated care through a primary care physician at lower premiums.
- Lower premiums
- Coordinated care
- Preventive focus
HSA Compatible
Tax-AdvantagedHigh-deductible plans paired with Health Savings Accounts for triple tax benefits.
- Triple tax advantage
- Funds roll over
- Lower premiums
Not sure which coverage fits?
Every team is different. Talk to a Razor advisor and we'll walk you through the trade-offs — networks, premiums, deductibles, and total cost — so you can pick with confidence.