Who We Are
CBIZ Alternative Benefit Solutions specialize in non-traditional healthcare options. We act as a master brokerage, bridging the gap between innovative solutions and brokers across the United States.
Serving as an intermediary between our carrier partners and brokers, we enable brokers to offer their clients innovative health plans that stand apart from conventional options and address the unique challenges of high-turnover, low-wage industries. Our options are affordable and feature zero dollar, low-deductible, copay-based structured plans, making essential healthcare accessible and cost-effective for your clients. Our seamless support lets brokers do what they do best: build relationships, deliver value, and stand out in the market.
Our Solutions
Our comprehensive portfolio addresses today’s toughest healthcare needs, simplifying your job while meeting your clients’ unique demands.
MEC plans provide the basic level of health coverage required under the ACA. These plans cover preventive services such as annual checkups, screenings, immunizations and certain wellness visits without cost-sharing.
Limited Day Medical Plans are designed to provide affordable health benefits by offering coverage for a defined number of days and services annually. Employees can access care for common medical needs while employers keep healthcare costs predictable.
Unlimited Medical Plans are self-funded health benefit structures that align closely with traditional health insurance. These plans provide comprehensive coverage without caps on the number of days or services and are designed to meet the needs of employees seeking extensive medical benefits.
Ancillary benefits provide employees with additional financial protection beyond standard medical coverage. These benefits help cover unexpected expenses, enhance overall financial wellbeing and make healthcare more accessible and affordable.
Our PEO Solutions offer all-in-one HR, payroll and benefits platforms for clients needing streamlined administration.
Compliance services ensure that businesses remain compliant with federal regulations while reducing administrative burdens. Our solutions include ACA reporting and COBRA administration, both seamlessly embedded within our health plans to simplify benefits management and minimize compliance risks.
Minimum Essential Coverage (MEC) Plans
MEC plans provide the basic level of health coverage required under the ACA. These plans cover preventive services such as annual checkups, screenings, immunizations and certain wellness visits without cost-sharing.
About MEC Plans
MEC Plans are an affordable option for employers who need to comply with the ACA and avoid penalties, and meet the needs of employees requiring preventive care and basic coverage at a low cost.
These plans work best for employers with large part-time or hourly workforces, as well as those seeking an alternative to more comprehensive, expensive health plans. Industries with high turnover or low-wage earners, such as restaurants, retail, trucking, construction and hospitality, are also a good fit.
Limited Day Medical Plans
Limited Day Medical Plans are designed to provide affordable health benefits by offering coverage for a defined number of days and services annually. Employees can access care for common medical needs while employers keep healthcare costs predictable.
About Limited Day Medical Plans
Limited Day Medical Plans help employers provide comprehensive, cost-effective health benefits and connect employees with affordable, copay-based access to routine and minor medical care.
These plans work best for employers who want to provide meaningful, cost-effective coverage, businesses in industries like hospitality, retail, or construction, wherein employees benefit from accessible healthcare options, and organizations seeking a middle ground between ACA compliance and affordable offerings.
Unlimited Medical Plans
Unlimited Medical Plans are self-funded health benefit structures that align closely with traditional health insurance. These plans provide comprehensive coverage without caps on the number of days or services and are designed to meet the needs of employees seeking extensive medical benefits.
About Unlimited Medical Plans
For employers who want to offer robust health benefits that feel familiar and comprehensive, consider Unlimited Medical Plans. These plans appeal to employees who require coverage for a wide range of medical services and appreciate the flexibility of pairing HDHP options with an HSA.
These plans can help attract and retain talent and serve the unique needs of organizations in industries with full-time employees who value extensive coverage and access to a broad network of providers. Plan options include PPOs and HDHPs, which can be paired with an HSA to give employees tax-advantaged savings opportunities.
Ancillary Benefits
Ancillary benefits provide employees with additional financial protection beyond standard medical coverage. These benefits help cover unexpected expenses, enhance overall financial wellbeing and make healthcare more accessible and affordable.
About Ancillary Benefits
Ancillary benefits help employers enhance their benefits package without significantly increasing costs and are best suited for industries in which employees may face high out-of-pocket expenses for unexpected medical events.
These benefits provide employees with added financial protection and coverage. Options include worksite benefits, which provide cash benefits to employees to help cover out-of-pocket costs related to serious medical events, and supplemental options, such as dental and vision, which ensure employees have access to essential care beyond medical insurance.
Professional Employer Organization (PEO) Solutions
Our PEO Solutions offer all-in-one HR, payroll and benefits platforms for clients needing streamlined administration.
About PEO Solutions
PEO Solutions provide HR services and benefits to a business’ workforce. Our PEO solutions can help brokers connect their employer clients with tools to simplify payroll and taxes, compliance, benefits administration, HR support, talent management and more.
Compliance Services
Compliance services ensure that businesses remain compliant with federal regulations while reducing administrative burdens. Our solutions include ACA reporting and COBRA administration, both seamlessly embedded within our health plans to simplify benefits management and minimize compliance risks.
About Compliance Services
Our Compliance Services include ACA reporting, which tracks and reports employee eligibility and coverage to meet Affordable Care Act (ACA) requirements and avoid costly penalties, and COBRA administration, which manages continuation coverage for employees and their dependents, ensuring compliance with federal COBRA regulations.
These services are ideal for employers who want a built-in, hassle-free approach to ACA and COBRA compliance, businesses looking to reduce administrative workload and HR teams seeking a seamless, integrated solution that simplifies benefits administration.
Delivering Solutions That Set Brokers Apart
With Alternative Benefit Solutions, we don’t just offer plans — we deliver solutions that set brokers apart. As a master brokerage, we provide exclusive access to health plans and services brokers can’t find anywhere else.
If rising costs, complex compliance demands, and the challenge of standing out in a competitive market are holding you back, we offer a different path. Our exclusive products and tools are designed for brokers ready to break away from the ordinary. From cost-effective minimum essential coverage (MEC) plans for high-turnover industries to innovative, non-traditional options, we provide the solutions you need to stand out, streamline your process, and drive business growth.
The Health Benefit Alliance (HBA)
The HBA designs ERISA and ACA-compliant plans for the millions of workers who have found it challenging to access healthcare. HBA plans appeal to a diverse labor force with varied needs, from employees seeking convenient, low-cost options to those who value the extensive coverage of a platinum plan.
Imagine360
Imagine360 combines the cost-cutting power of reference-based pricing and a fully supportive member experience into a complete full-service health plan solution, empowering employers to take control of their healthcare costs and take better care of their employees.
