Life Is Complicated. Your Health Benefits Don’t Have To Be.

Personal Benefits Plan

What is the Personal Benefits Plan?

The Personal Benefits Plan Is An Alternative to Group Health Insurance.

Employer funds the benefit plan.

Each employee is given a Benefits Savings Account.

You can use the money to buy whatever health insurance and other benefits that you want and need.

You choose your own benefits package. It’s

that simple!

It’s so much better than group health insurance!

Tailored to Your Needs

Plan Stability & Simplicity

Cost Efficiency

& Effectiveness

It’s no surprise that people overwhelmingly prefer to choose their own personal benefits packages than have a ‘one size fits all’ group health insurance policy.

With a Personal Benefits Plan, your insurance becomes your insurance. It’s your policy, and you never have to worry about your employer changing your group health insurance again.

Personal Benefits Plans are more cost efficient, & provide insulation against insurance rate increases. Most employees end up with better coverage & increase their take home pay!

Best Benefits

Just For you

You get Personalized ‘Concierge’ help when choosing your benefits

Expert, personal help makes choosing insurance easy. Your Personal Benefits Advocate will help you choose your optimal coverage, based on your own unique wants and needs:

Out-of-pocket expense & premium limits

Special kinds of coverage you may need

The doctors & hospitals you want

The insurance companies you prefer

It’s health insurance with a human touch, makes your benefits choices simple, pleasant and easy.

Your health benefits are designed to meet your needs.

A variety of compliant & highly qualified health plans to choose from with the help of Personal Benefits expert to make it all very simple for you.

Starting with your Benefits Savings Account, they can include:

HSA’s and FSA’s Life, Disability, Income Protection Free Wellness Planning for a

healthier life

…And you get better benefits.

A Benefits Savings Account lets you choose the plan you want, so of course you will be more satisfied! Not only do you get health insurance, you may decide to choose less expensive coverage and have money left over for:

Co-pays and deductibles, & anything not covered by your insurance

Life, accident, disability, dental, critical illness policies

Gym memberships or home exercise equipment

Any kind of health, recreational or nutritional product or service

Tuition and educational expenses

You can save your money for retirement, a new car, a down-payment on a home, emergencies or any other use.

Or not. It’s your choice.

See why Benefits Savings Accounts make so much sense?

..And may make you eligible for federal subsidies.

Having a plan that is eligible for those subsidies may make the difference between being able to afford your insurance, or losing it.

Group Health Insurance prevents you from getting subsidies & other perks! But a Personal Benefits Plan makes you eligible for them.

You could get reduced rates on your premiums

Cost-sharing reductions to reduce your out of pocket expenses

Group health insurance often costs more than individual policies

Even if you don’t qualify for subsidies now, what if you lose your job or get sick and can’t work?

Let AHR Get You Out of This Dynamic and increase your take home pay

Have increased over 172% over the last 15 years.

Increased faster than inflation.

It’s the fastest growing expense faced by employees to date.

Group Health Insurance Premiums:

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2012. Bureau of Labor Statistics, Consumer Price Index, U.S. City Average of Annual Inflation (Apr. To Apr.), 1999-2012; Bureau of Labor Statistics, Seasonally Adjusted Data from the Current Employment Statistics Survey, 1999-2012 (Apr. to Apr.).

Individual Insurance is better than Group Insurance

Understanding why individual health insurance is better for you and your family……

Group Insurance Individual Insurance

Guaranteed Issue

Coverage of Pre-Existing Condition

Continuity Between Jobs

Access to FREE preventativeHealth Care Services

Individual Insurance is better than Group Insurance

Group Insurance Individual Insurance

Average Number of Plan Choices

Life Time Capped Limits

Who is Empoweredto Decide?

Access to Subsidies

Average Monthly Premium Cost

(For Individual)

Human Resources Employee & Family

1-3 10+

$450 $82

#MyChoice

…And Simplify Your Life.

Have a pro manage your benefits. It’s even easier than choosing between group health options because you get individualized help. Your personal Benefits Expert will explain your coverage choices, answer your questions & help you find your optimal coverage.

Reduce or eliminate future rate increases.

Never go through the turmoil of changing health plans again!

And most important: It’s your money. Your benefits Savings Account is yours, and you get to spend it however you wish.

AHR takes more care of employees than any other provider, offering a personalized ‘concierge’ benefits experience that includes a unique combination of technology innovation, expert advice (from specially trained independent insurance brokers) & dedicated customer service. This gives you the freedom to choose the benefits that are right for you.

We’ve been helping people with their benefits for over 20 years, and our passion is making benefit choices simple, pleasant and easy for both you and your family.

AHR Is Committed To Our Clients

Thank You!

Broker Contact Information

Health Insurance with a Human Touch.