SBMA delivers best-in-class Minimum Essential Coverage built to meet ACA requirements and provide real, usable benefits your employees can count on.
Designed for Qualified Applicable Large Employers, our MEC plans strike the perfect balance between compliance, cost control, and care.
MEC plans are designed to meet the federal standard for coverage under the Affordable Care Act (ACA), helping employers avoid costly IRS penalties while giving employees access to critical wellness and preventive services. But not all MEC plans are created equal.
SBMA offers customized levels of MEC coverage to meet your workforce needs:
Our modular approach means plans can be customized to your budget, workforce structure, and retention strategy, without sacrificing compliance or service quality.
Offering Minimum Essential Coverage isn’t just about compliance—it’s a strategic cost-saving decision for Qualified Applicable Large Employers. By meeting ACA requirements, you avoid IRS penalties while providing benefits employees actually use.
Here’s what MEC plans deliver:
Avoid costly IRS fines by covering at least 95% of full-time employees
Control healthcare spending with predictable monthly premiums
Protect your workforce with high-utility benefits like preventive care, telehealth, and wellness services
Reduce administrative burden through SBMA’s centralized, automated platform
Boost retention with plans that show your commitment to real employee needs
Use our MEC Calculator to estimate how much your business can save—and gain the confidence that comes with full ACA compliance.
What’s the difference between voluntary and worksite benefits?
Voluntary and worksite benefits are often used interchangeably. Both refer to employee-paid or cost-shared benefits offered through the workplace, such as accident, critical illness, or hospital indemnity coverage, that supplement core health plans and provide financial protection.
How much do voluntary benefits cost employers?
Typically, these benefits are 100% employee-paid. Employers can offer them with no direct cost, while still expanding the value of their overall benefits package. When cost-sharing is chosen, employers maintain full control over contribution levels.
Are voluntary benefits hard to administer?
Not with SBMA. We provide fully integrated systems that streamline enrollment, simplify payroll deductions, and automate eligibility management. Our platform minimizes the administrative lift while ensuring accuracy and compliance.
What kinds of benefits are typically offered?
Common offerings include dental, vision, life, disability, accident, hospital indemnity, critical illness, and identity theft protection. These benefits provide added security and flexibility to employees, helping to close gaps left by high-deductible health plans.
Why should I offer voluntary benefits if employees pay for them?
Because they increase job satisfaction, improve retention, and help your business compete for talent, without impacting your bottom line. Offering these benefits also positions you as an employer that cares about total employee wellness.
How do brokers benefit from offering voluntary benefits through SBMA?
We support brokers with clean data integrations, marketing resources, and U.S.-based service. Voluntary benefits also generate commissions that can offset admin fees or fund additional services, adding value to your client relationships.
Can these benefits be bundled with MEC or major medical plans?
Yes. We streamline enrollment by offering voluntary benefits alongside MEC or other core plans. This ensures a unified employee experience and reduces administrative friction for HR teams and brokers.
How do employees enroll and manage their benefits?
Through our centralized platform and mobile tools. Employees can self-serve, make informed decisions, and manage their coverage year-round, supported by SBMA’s live, U.S.-based customer service team.
What makes SBMA the gold standard in voluntary benefits administration?
Experience, scale, and execution. We bring together expert teams, real-time technology, and unmatched service to deliver benefits that work, for employers, employees, and brokers alike.