Large groups are required to offer ACA qualified health plans or face government punishment. Here’s a plan designed to pass government inspection while keeping plan costs as low as possible.
| Plan Component | Design |
| Deductible | $10,000 individual / $20,000 family |
| Coinsurance | 100% of Medicare allowable |
| Copays | None |
| Rx | Generic only |
| Network | None |
| ER Coverage | Hospital ER only; free‑standing ER excluded |
| Transplants | Not covered |
| Dependent Eligibility | Excluded if they have access to other insurance |
| OOP Max | Same as deductible; balance billing excluded |
Average expected employee only rate = $275-350
