What happens when a small business wants to offer health benefits—but simply can't afford traditional major medical coverage?

In this episode of The Noble Agent Podcast, Tom Stein, CEO of American Trust Administrators (ATA), sits down with Scott Martin of Coterie Advisors to discuss Fundamental Care, an innovative limited-benefit health plan designed for employers who need an affordable first step into offering employee benefits.

Scott explains how Fundamental Care fills an important gap in the marketplace by helping employers who have been priced out of traditional health insurance while also serving companies that want to offer different benefit options to different classes of employees. When appropriate, Cody Advisors also serves as a general agency for ATA's level-funded health plans, helping brokers transition clients into comprehensive self-funded solutions as their businesses grow.

In this episode you'll learn:

• Why many small employers never offer benefits—and how affordable alternatives can change that.
• The two types of employer groups that benefit most from Fundamental Care.
• How limited-benefit plans can serve as a bridge to traditional level-funded health plans.
• Why employee retention is often the driving force behind first-time benefit offerings.
• How employers can structure benefits for different employee classes.
• What reference-based pricing is and why education is so important when introducing innovative health plans.
• Why more brokers are moving away from traditional fully insured products and toward level-funded solutions.
• The characteristics Scott sees in brokers who successfully embrace innovation and better serve their clients.

Whether you're working with startup companies, first-time benefit buyers, or employers looking for a more affordable way to provide coverage, this conversation offers practical strategies for expanding your solutions and helping more businesses offer meaningful employee benefits.

If you're a broker looking to better serve employers at every stage of growth, this is an episode you won't want to miss.

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