Your Health Insurance Options
There is no single right plan for every construction or manufacturing employer. Your best path depends on employee count, payroll structure, contribution strategy, claims history, hiring goals, geographic footprint, union/non-union dynamics, and risk tolerance. Suitability and final terms are always confirmed at quote time by underwriting.
BCBS Massachusetts
Broad network familiarity and nationwide access, plus member perks. One option among several — not immune to the current rate environment.
BCBS Blue Funding
A fixed monthly funded amount with stop-loss protection, and a year-end settlement that can return surplus if claims run under the funded amount.
Triad
A small-group program built on the CIGNA national PPO network, structured like a fully insured plan, with a bundled claims-steerage program included at no additional member cost.
InCap Captive
A health insurance pool where employers become owner-participants, with bundled services and potential profit distributions when the pool performs well. A fit for larger, more sophisticated employers.
Alternatives & the Health Connector
Harvard Pilgrim, Tufts, UnitedHealthcare, MGB Health Plan, Health New England, WellSense/Fallon, and the Massachusetts Health Connector — useful comparison points.
Not sure which fits?
That’s exactly what a review is for. We’ll walk through your group size, current carrier, and renewal timeline and map it to the realistic options above.
Important: None of the options above are Association Health Plans, pooled-risk programs, or insurance products in themselves — they are funding and network structures. Eligibility ranges, underwriting rules, and terms can change and must be confirmed at quote time.