UNIQUE Create the plan that is right for your needs. You purchase only the benefits you want. AFFORDABLE The plans offer a variety of affordable monthly premiums. The cost is determined by the benefits you select. INNOVATIVE The plans are a valuable, lower-cost alternative for those who do not want to participate in the expensive one-size-fits-all approach to employee health insurance plans. AVAILABLE The group plans are available to all employees, including part-time, seasonal and contract workers. The employer decides which benefits to offer and how much to contribute. The individual plans are available to all eligible members of an approved association. SIMPLE The plans are easy to enroll in and simple to use.