Find the right plan for your family
From individual ACA plans to full family coverage — plus voluntary benefits and retirement strategies that protect what matters most.
Core Coverage
Coverage Options
The foundation of every household benefits plan — choose the network and structure that fits your family.
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 (on ACA-compliant plans)
- Premium tax credits & cost-sharing subsidies
- Metal tiers: Bronze, Silver, Gold, Platinum
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
Dental & Vision
Complete CoverageSupplement your medical coverage with comprehensive dental and vision benefits.
- Preventive 100% covered
- Frame discounts
- Low-cost add-on
Voluntary Benefits
Supplement your coverage
Add affordable options that fill the gaps left by major medical — and protect your family from unexpected costs.
Disability Insurance
STD & LTDShort-Term and Long-Term Disability coverage that replaces a portion of income if illness or injury keeps you from working.
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
- Income protection up to 60–70%
Hospital Indemnity
Cash BenefitPays a fixed cash benefit directly to you for hospital admissions and stays — used however you need it.
- Cash paid directly to you
- Helps cover deductibles
- No coordination of benefits
Critical Illness
Lump SumA lump-sum cash payout upon diagnosis of a covered illness like cancer, heart attack, or stroke.
- Lump-sum benefit on diagnosis
- Covers cancer, heart attack, stroke
- Use funds for any expense
A complimentary planning resource
Protect your today.Plan for your tomorrow.
Your family deserves more than just a health plan. As a Razor Benefits Group client, you unlock free 1-on-1 access to a dedicated retirement strategy planner — at no extra cost to your household.
Get personal guidance on everything from cash-value life insurance to mortgage protection and college planning. It's a high-value resource most families don't have — and one you'll remember.
- Free 1-on-1 consultations for you and your family
- No extra cost — included with your family plan
- Ongoing access, not a one-time call
Debt Free Life
Also known as “Be Your Own Bank” — a cash-value life insurance strategy that helps eliminate debt in 9 years or less and build retirement savings, without spending additional money each month.
Mortgage Protection
Term life coverage designed to pay off your mortgage if something happens to you.
IUL's
Permanent life insurance with tax-advantaged cash value growth tied to a market index.
Live Event Planning
Tax-advantaged strategies for life’s major milestones — including college tuition, weddings, down payments, and family vacations — without derailing retirement.
Final Expense Planning
Whole-life coverage that helps your family handle funeral and end-of-life costs.
Wills and Estate Planning
Your final wishes are important. We’ll refer you to one of our trusted legal partners to help you plan.
Not sure which plan is right?
Our licensed advisors will help you compare options and find the perfect fit for your family and your future.