Major Medical Health Insurance for Employees
Medical coverage is a valuable benefit that helps cover the cost of care when your employees become sick or injured. Coverage also inspires employees to maintain their health and wellness by providing preventative care.
You Could Save 6-8% On Annual Health Premiums
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. Available only through our PEO platform, these plans include real-time claims tracking, proactive support, and stable, predictable renewals. Lower premiums mean better cash flow for both employers and employees—make your benefits a competitive advantage.
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Big Benefits for Small Businesses
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Lower Premiums, Greater Savings
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Exclusive to HRDelivered Clients
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Smarter Risk Management
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Boost Hiring Power
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Increase Employee Loyalty
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Better Cash Flow for Everyone
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Stable, Predictable Renewals
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Explore Exclusive Master Medical 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 are designed to deliver significant savings, enhanced benefits, and robust risk management not available in the open market.
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Fortune-500 level benefits: Small to mid-size businesses can access plans normally reserved for companies with hundreds of employees.
What Makes Our Master Medical Plans Unique?
Medical coverage is a valuable benefit that helps cover the cost of care when your employees become sick or injured. Coverage also inspires employees to maintain their health and wellness by providing preventative care.
Exclusive Plan Access
HRDelivered’s master plans are uniquely tied to our Employer Identification Number (EIN), making them unavailable through brokers or third-party channels. This exclusive access creates a closed risk pool and leverages our direct carrier relationships to deliver superior plan stability and consistent savings for our clients.
Lower Premiums
Our unique partnership model with top carriers allows HRDelivered to share in claims responsibility—reducing volatility and enabling more favorable pricing. As a result, our clients enjoy lower premiums—averaging 6%–8% savings compared to market rates—with even greater discounts available for qualifying groups.
Better Rates for Healthy Groups
We reward low-risk groups with aggressive underwriting that translates into even more competitive renewal pricing. When your team is assessed as a healthier population, we can offer below-market rates—giving you an edge when it comes to attracting talent and controlling benefits costs.
“Our master medical plans are available exclusively through HRDelivered, offering unmatched value and long-term stability for your business.”
Blake Odom
President, HRDelivered
Do You Qualify For a Master Medical Plan?
Discover how HRDelivered simplifies team management with easy tools and expert support.
Open Market Plans: Flexible Coverage for a Broader Range of Businesses
At HRDelivered, we recognize that not every business will qualify for or benefit from a Master Medical Plan. That’s why we also offer Open Market Plan options—a versatile, accessible healthcare solution for companies that require more individualized underwriting or plan flexibility.
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Which plans best fit your employees healthcare criteria
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Offering employees extensive networks of participating providers
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How your healthcare coverage compares with similar market plans
Why Open Market Plans Work for Growing Teams
Open Market Plans are ideal for businesses that need flexibility without the strict eligibility of a master plan. Whether you’re a startup, managing seasonal turnover, or navigating organizational change, these plans offer more accessible underwriting and broader availability. Choose from top national and regional carriers, tailor your plan design to your budget, and lean on our benefits experts to help you compare and select the right coverage for your team.
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Available to startups and transitioning businesses
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Wide range of carriers and customizable coverage options
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Personalized guidance to help you make informed decisions
Which PEO Health Plans Should You Choose?
Both Master Medical plans and open market plans offer strategic solutions that deliver strong coverage, valuable cost management, and trusted carrier access. Our team ensures you get the right plan, at the right time, based on where your business is today—and where it’s headed tomorrow.
Master Medical Plans
Key Features
PEO clients only; underwriting required
Pooled rates, often lower
Select carriers through HRDelivered
Standardized plan designs
Ideal for cost control and renewals
When It Make Sense
You have a stable headcount and healthy group
You want long-term savings and rate stability
You need access to exclusive, high-value plans
You want proactive, strategic benefits support
PEO Only
Open Market Plans
Open market plans are a great on-ramp for growing businesses. As your company matures or stabilizes, we’ll help you determine when you’re eligible to migrate to a master medical plan for even greater savings.
Key Features
Open to most businesses
Individually underwritten
Wide selection of carriers
Highly customizable
Great for startups or transitioning businesses
When It Make Sense
You’re a new company without a claims history
Your group includes higher-risk individuals or fluctuating headcounts
You want to offer flexible plan options across multiple states
You want expert help navigating the open market
Ready to Get Better Health Insurance?
Partner with HRDelivered to improve health insurance benefits for your company’s employees.