How Fundamental Care Helps Brokers Win More Employer Group Business with Affordable Employer Plans
- Fundamental Care
- Aug 8
- 4 min read

A Competitive Landscape That Demands More from Brokers
In today’s benefits market, brokers face unprecedented competition. Rising healthcare costs, shifting ACA regulations, and increasing employer demand for flexible coverage have created a perfect storm. According to the Kaiser Family Foundation, the average annual premium for employer-sponsored single coverage in 2023 was $7,911—roughly $440 per month—with an average single deductible of $1,763 for those with deductibles, and often much higher for high-deductible health plans (HDHPs).
For many employer groups, especially those with a large number of hourly or part-time workers, those numbers simply aren’t sustainable. Traditional BUCA (Blue Cross, United, Cigna, Aetna) plans may check compliance boxes, but they often price out a significant portion of the workforce.
That’s where Fundamental Care steps in. Our mission is simple: help brokers offer employers affordable, ACA-qualified plans that employees actually want to use—without sacrificing compliance, quality, or broker profitability.
Affordable, Compliant, and Broker-Friendly
At Fundamental Care, we specialize in two core plan types designed to meet the needs of both employers and employees while giving brokers a competitive sales edge:
Level-Funded Limited-Day Health Plans
Affordable premiums (often 30–40% lower than HDHP alternatives)
No deductibles
Guaranteed issue coverage—no medical underwriting
ACA-qualified MEC (Minimum Essential Coverage) and MVP (Minimum Value Plan) options
Predictable copays for office visits, urgent care, and prescriptions
Day-one coverage for essential services
Limited-Benefit Indemnity Plans
Voluntary or employer-paid options
Lump-sum payments for covered services
Great for part-time and hourly staff who wouldn’t otherwise have access to coverage
Because our plans are ACA-qualified, they satisfy the employer mandate and protect against penalties, while still offering an affordable monthly cost. For brokers, that means you can confidently propose a plan that hits compliance, budget, and employee satisfaction goals all at once.
And unlike some carriers that slow the sales process with complex underwriting, we’ve built a streamlined quoting and enrollment process that delivers quotes within 24 hours—helping you respond faster and close deals before your competition even sends their proposal.
The Broker Benefit: Stand Out and Close Faster
Speed matters in sales. In an environment where employers may be shopping multiple brokers at once, the ability to turn around a competitive, compliance-ready proposal in a single day can make the difference between winning and losing a client.
Our broker partners regularly tell us that one of the most valuable aspects of working with Fundamental Care is how easy it is to do business with us:
Quick Quotes:Â 24-hour turnaround on group quotes
Simple Plan Designs:Â Easy for employers to understand and compare
Broker Resources:Â Marketing collateral, plan overviews, and compliance guides ready to share with prospects
Dedicated Support:Â A responsive team that knows your market and helps tailor presentations for maximum impact
By offering a plan that addresses affordability without the trade-offs of limited coverage or non-compliance, you position yourself as a problem-solver, not just another salesperson.
Mercer’s Restaurants – A Broker Win with Lasting Impact
One of the best examples of our impact comes from Mercer’s Restaurants, a multi-location dining group in Arizona. Their workforce was predominantly hourly, and their previous traditional major medical plan saw low participation and high turnover due in part to cost and complexity.
The Challenge:
High monthly premiums
Low employee engagement with benefits
Rising turnover rates impacting operations
The Solution:A local broker partnered with Fundamental Care to introduce a Level-Funded Limited-Day Plan. The plan offered:
No deductibles
Predictable, low copays for office visits and prescriptions
Guaranteed issue for all employees
Affordable premiums that fit the budget of hourly workers
The Results:
30% drop in turnover within the first year of implementation
Increased benefits participation rate
A documented case where the plan’s coverage directly contributed to life-saving medical care for a head chef
Strengthened broker-client relationship, leading to renewal and expansion of coverage
This wasn’t just a win for the employer—it was a major win for the broker, who became the go-to resource for all future benefits discussions with the client.
The Market Context: A Massive Opportunity for Brokers
Employer-sponsored coverage remains the largest source of health insurance in the United States, with 60.4% of people under age 65—approximately 164.7 million people—covered through their job, according to CMS data.
Yet within that huge market, there’s a growing underserved segment: employers with a large share of hourly or part-time workers who can’t afford traditional plans. Brokers who tap into this segment with the right products stand to gain substantial new business while also filling a genuine market need.
The Call to Action: Let’s Win More Together
As a broker, your reputation is built on your ability to solve problems, deliver value, and build trust. With Fundamental Care, you can do all three—backed by real results, ACA compliance, and a sales process designed to help you close faster.
If you’re ready to differentiate yourself in the market, add Fundamental Care to your portfolio today. Let us show you how quick quoting, simple plan designs, and proven cost savings can help you win more employer group business this year.
📞 Contact us today for a personalized broker onboarding session and a quote you can take directly to your next client meeting.