Business and supplemental coverage

Owners covering themselves

If you're the only person on the plan, the decision looks like an individual one, shaped by how variable your income is and how often you use care. Predictability often matters more when revenue is uneven.

Owners covering a team

Once other people are on the plan, cost sharing becomes something you're choosing on their behalf. We look at what employees will actually experience at the point of care, not just the monthly figure on your side.

• How simple the cost sharing is for someone reading it for the first time.
• Whether the network covers where your staff actually live.
• What happens when someone joins or leaves mid-year.

Supplemental policies

Supplemental coverage sits alongside a medical plan and pays toward specific events or costs. It can be useful when a medical plan leaves a gap you'd rather not carry, and unnecessary when it duplicates cover you already have. We say which of the two applies.