Your Options

Five realistic paths for Southeastern Massachusetts employers — explained plainly, in the order most employers should consider them.

Not an insurance product · Not an Association Health Plan · Not pooled risk · A trusted employer education and navigation resource

The fully insured, lead carrier option — broadly recognized, with the widest baseline network access in the state.

A small-group program structured like a fully insured plan from the employer's side, with national PPO network access.

A level-funded option combining a fixed monthly amount with stop-loss protection, for eligible groups.

A captive structure built for larger employers who want more control and visibility over their claims.

The Massachusetts Health Connector and other comparison paths — a legitimate option for very small employers or owners exploring individual coverage.

Decision Guide

Which option tends to fit which situation

This is a general starting point, not a guarantee — actual fit depends on your group's size, claims history, and underwriting at quote time.

Option	Group Size Fit	Funding Style	Typically Right For
BCBS Massachusetts	Any size, especially very small groups	Fully insured — a fixed, predictable premium set by the carrier	Employers who want the broadest name-recognition and network access with no claims exposure
Triad	Small groups	Structured like fully insured, on a national PPO network	Small employers with staff who travel or live across state lines, who still want fully insured-style predictability
Blue Funding	Small to mid-size groups	Level-funded — a fixed monthly amount plus stop-loss protection, with potential year-end settlement	Employers who want budget predictability with some upside if claims run favorably
InCap Captive	Larger groups	Captive — a pooled risk-sharing structure with more employer visibility into claims	Larger employers who want more control and transparency over their own claims experience
Alternatives & Health Connector	Very small groups or individual owners	Marketplace comparison — the Massachusetts Health Connector and similar options	Very small employers or owners comparing individual coverage against a group plan

Request a no-obligation review and a local advisor will walk through your size, renewal timeline, and priorities.