Health Plans for Small Businesses 2023

 Common Ground Healthcare Cooperative Small Business Health Plans are available to businesses with 2-50 employees. 


We are a local, member-governed health insurer dedicated to providing our members with affordable health insurance options.
We offer you:


    • As a local, non-profit, we’re priced for coverage not profit
    • Continuously seeking cost saving opportunities and added benefit options
    • Putting Members First, always


    • We’re local, and so is our team
    • Personalized on-boarding experience
    • An integrated sales team that works efficiently and seamlessly to provide you with World Class Service every step of the way


    • A network of high quality providers with access to over 5000 Specialist and PCPs.
    • Our plans are Exclusive Provider Organization (EPO) plan’s – no referrals required
    • Access to 24/7 care through Virtuwell, and wellness benefit options through Active&Fit Direct

To learn more, please contact your agent, call the Common Ground Healthcare Cooperative Sales team at 855.494.2667, or fill out a quote request by clicking the link below.


Click here to fill out a Small Group Quote Request Form

2023 Group Health Plans

In Service Area Plan Options

Bicycle Mechanic With Notebook In Bike Shop

Out of Service Area Plan Options

Supermarket Female Employee

1 PCP = Primary Care Provider (includes general pediatrics, internal medicine, OB/GYN, family practice, general medicine, chiropractor and geriatrics) Urgent = Urgent Care Services Emergency = Emergency Room Care Services


2 Services that meet the definition of emergency are paid at the in-network rate even when care is delivered in a non-network ER. Because we do not have a contract with out of network ER facilities, we cannot prevent these facilities from billing our members for the balance of the charge. The copay applies to the facility charge only. All other charges related to ER visit are subject to deductible/coinsurance.


3 Preventive Care received out of network is not covered


Our Deductibles, Explained: All plans have a January 1 to December 31 deductible. All deductibles, coinsurance, and copayments accumulate toward the out-of-pocket maximum. In-network and out-of-network deductibles and out-of-pocket maximums must be satisfied separately. All plans described on this page have embedded deductibles for family coverage. This means that if you are enrolled in 2-person or family coverage, an individual family member only has to satisfy the single person deductible before the plan begins to make payment for covered services for that family member. 


To view the Summary of Benefits and Coverage (SBC) for your employer plan, click here.


Common Ground Healthcare Cooperative does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.


This page provides summary information.  Please refer to the certificate of coverage and schedule of benefits for a complete listing of benefits and terms of coverage.