Employee Benefits

Major Medical
Health Insurance

HRDelivered offers exclusive Master Medical plans as well as a rich selection of open market plan options to give small to mid-size businesses access to Fortune 500-level benefits. Lower your health premiums by 6-8% and offer better benefits to attract and keep great employees.

Get Started View All Benefits
6–8%
Average Premium Savings
Fortune 500
Level Benefits
Exclusive
Master Plans Not on Open Market
Stable
Predictable Annual Renewals

Discover Exclusive Plans Not Available on the Open Market

At HRDelivered, our Master Medical Plans offer a powerful, cost-effective health insurance solution available exclusively to our PEO clients. These plans are fully insured by leading national carriers and designed to deliver significant savings, enhanced benefits, and robust risk management.

  • Fortune-500-level benefits for small to mid-size businesses
  • Exclusive plan access through HRDelivered's EIN -not available via brokers
  • Lower premiums averaging 6–8% savings vs. market rates
  • Better rates for low-risk, healthy groups through aggressive underwriting
  • Stable, predictable renewals with direct carrier relationships
  • Real-time claims tracking and proactive benefits support
Check Plan Eligibility
Employees discussing their health insurance options

Learn How to Save 6–8% on Your Company's Benefits Today

HRDelivered's exclusive Master Medical plans and open market options give growing businesses access to carrier relationships and pricing power normally reserved for enterprise employers.

01

Big Benefits for Small Businesses

Access Fortune 500-level plans normally reserved for companies with hundreds of employees - all through our PEO platform.

02

Lower Premiums, Greater Savings

Our direct carrier relationships allow HRDelivered to share in claims responsibility, delivering 6-8% savings versus market rates.

03

Exclusive to HRDelivered

Our master plans are tied to our EIN - unavailable through brokers or third-party channels, creating a closed risk pool.

04

Real-Time Claims Tracking

Monitor your plan's performance at any time with transparent claims data and proactive reporting.

05

Boost Hiring Power

Competitive benefits help you attract top candidates and differentiate your offer from larger employers.

06

Stable, Predictable Renewals

Plan design and underwriting stability means fewer surprises at renewal time - better cash flow for everyone.

"Our master medical plans are available exclusively through HRDelivered, offering unmatched value and long-term stability for your business."
- Blake Odom, President, HRDelivered

Flexible Open Market Plans for a Broader Range of Businesses

At HRDelivered, we recognize that not every business will qualify for a Master Medical Plan. That's why we also offer Open Market Plan options -a versatile, accessible healthcare solution for companies requiring more individualized underwriting or plan flexibility.

  • Available to startups and transitioning businesses
  • Wide range of national and regional carriers
  • Highly customizable plan designs to fit your budget
  • Ideal for groups with fluctuating headcounts or higher-risk individuals
  • Personalized guidance to compare and select the right coverage
  • Expert help navigating the open market across multiple states
Explore Open Market Options
Employee health insurance meeting

Which PEO Health Plans Should You Choose?

Both Master Medical and open market plans deliver strong coverage, cost management, and trusted carrier access. Our team ensures you get the right plan based on where your business is today -and where it's headed.

PEO Only

Master Medical Plans

Master medical plans deliver the deepest savings and most stable pricing. We'll guide you through underwriting to determine eligibility and ensure the best fit for your team and budget.

  • PEO clients only; underwriting required
  • Pooled rates, often lower than market
  • Select carriers through HRDelivered
  • Standardized plan designs
  • Ideal for cost control and renewals
  • Best for stable headcounts and healthy groups
  • Long-term savings and rate stability
See If You Qualify

Open Market Plans

Open market plans are a great on-ramp for growing businesses. As your company matures, we'll help you determine when you're eligible to migrate to a master medical plan for even greater savings.

  • Open to most businesses
  • Individually underwritten
  • Wide selection of carriers
  • Highly customizable
  • Great for startups or transitioning businesses
  • Flexible multi-state options
  • Expert guidance throughout selection
Explore Plan Options

Frequently Asked Questions

Common questions about HRDelivered's health insurance plans and how they benefit your business.

A Master Medical Plan is an exclusive health insurance plan available only to HRDelivered PEO clients. It's tied to our Employer Identification Number (EIN), which means it's not available through brokers or open market channels. Because all clients share a pooled risk group managed directly with top carriers, we can offer lower premiums, more stable renewals, and superior plan design compared to what most small businesses can access independently.

On average, HRDelivered clients save 6–8% on health insurance premiums compared to market rates when enrolled in our Master Medical Plans. Businesses with healthier employee populations may qualify for even greater discounts through aggressive underwriting. Our benefits team will conduct a risk assessment and provide a personalized savings estimate before you commit to anything.

Yes. Master Medical Plans require underwriting, which evaluates your group's claims history and health profile. Not every group will qualify -but if you don't, our team will guide you to the best open market alternative. Many businesses start on an open market plan and transition to a Master Medical Plan as their company stabilizes and matures.

HRDelivered offers two pathways: (1) Exclusive Master Medical Plans available only through our PEO platform, featuring pooled rates and top-tier carriers; and (2) Open Market Plans that are individually underwritten and available to a broader range of businesses including startups, seasonal workforces, and companies in transition. Both options come with dedicated support from our benefits team.

Absolutely. Health insurance is one component of HRDelivered's full-service PEO platform. You can bundle medical coverage with our Wellness App, 401(k) retirement plans, payroll, HR support, compliance, and more -all managed through a single platform with one dedicated team. Bundling services often leads to greater administrative efficiencies and stronger overall savings.

Ready to request a demo?

Get a risk-free proposal and discover how HRDelivered can boost your business.

Get Started Today Call (833) 473-3548
Scroll to Top