Not long ago, the National Association of Manufacturers observed the problem that their small to medium-sized member organizations did not have access to quality, cost-effective health plans. So, they teamed up with Mercer to develop NAM Health Care. They wanted to offer the best possible package to small companies and manufacturers, and allow them access to the same types of coverage as Fortune-500-sized corporations. How did they make this happen? Check out, "What is an AHP?" and "What is an ASG?" below.
An AHP, or association health plan, is a type of group health insurance that allows smaller companies to band together to receive access to the same benefits as larger companies. NAM Health Care also allows you to work with your current broker* (AHP only).
An ASG, or affinity small group health plan, will be offered in states where the AHP is not permitted. These are small group plans available for employers between 2-50 employees (2-99 employees in some states). You are not able to use your current broker with the ASG plan.
Online HR Support
Mercer’s web-based onboarding solution can help you easily roll out new benefits to your employees while taking into account what is most important to them and you.
Using the onboarding solution, you are able to:
Once you have signed up, Mercer’s technology-based enrollment system will provide a streamlined, easy-to-use shopping experience. The site clearly explains the benefits available and provides a guided shopping experience, complete with tools to help employees select plans that will work best for them and their dependents.
Who is eligible to participate in these plans?
All NAM and NAM affiliate members may participate if they have the required number of eligible employees.
If your business is located in an AHP state, in order to get a quote you need to have a minimum of 2 eligible employees and a maximum of 99 eligible employees, SIC codes (2,000-3,000) or NAICS codes (31, 32 ,33), can purchase a plan through NAM Health Care. Please note that in order to participate in the plan, you must have a minimum of two employees enrolled. You will need 50% of your eligible employees to participate in the plan.
If your business is located in an Affinity Small Group state, the minimum participation requirements will vary. In order to be eligible for the Affinity Small Group plans, you need to have a minimum of either 2 or 5 enrolled employees. Please see the map to determine what the minimum is for your state. The Affinity Small Group plans are only available to employers with a maximum of 50 employees, except for California which allows up to a maximum of 100 employees. Many states require a minimum of 50% of your eligible employees to enroll in medical coverage, however, some states do have higher requirements. Please reach out if you have questions.
Can NAM Health Care help my business save money?
Do I have to be a member to get a quote?
What coverage will be available?
When will the plan be available to my business?
How do I roll out these plans to my employees?
Who will operate the plans?
Who underwrites coverage?
Can I offer NAM Health Care in addition to existing health insurance?
How long are my rates guaranteed?
What if I am not the employer, but an employee of a member organization?
What is an AHP?
What is an ASG?
Who is Mercer?
I already have a broker, can I obtain a quote?
*Your health insurance broker must be licensed in Michigan and appointed with UnitedHealthcare in order to obtain a quote. Alternatively, you can work with a Mercer broker to obtain a quote. Simply click the "Get a Quote" button above.
**Your company must join NAM, or one of their affiliates, prior to enrolling in a plan.
NAM Health Care is fully ACA-compliant, administered by Mercer and sponsored by the National Association of Manufacturers (NAM). Medical, Dental, Vision and Life insurance are underwritten by the selected carriers. Plans and carriers available vary by state. All licensed and appointed agents with the selected carriers have the ability to sell the NAM Health Care offering through an open-distribution model.