Employers

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ACA Compliant Coverage for Teams That Need Unique Solutions

Group Coverage That Scales With Your Team

Covessa builds group MEC plans for part-time, seasonal, and variable-hour employees, satisfying the ACA's minimum essential coverage requirement without the cost of a full major-medical commitment. Every Protector Plan tier carries MEC Certification, so it satisfies the ACA's minimum essential coverage requirement out of the gate. That means one less penalty to track and one less compliance gap to explain to your team.


  • MEC Certification on every tier, satisfying the employer shared responsibility requirement.
  • No waiting period. Coverage begins as soon as enrollment is confirmed.
  • Customizable packages available for groups of five or more primary participants.
  • A four-month minimum term rather than a full-year major-medical commitment.
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Five employees or five hundred, the structure adjusts. Groups of five or more primary participants can move into a customizable package instead of forcing every employee into an identical plan.

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Protector Essential

  • MEC Certification
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Protector Core

  • MEC Certification, telehealth, fully insured program access, Healthee.
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Protector Premier

  • MEC Certification, telehealth, network repricing, urgent care access, fully insured program access, first month reimbursement, Healthee

Ready to See What Fits Your Team?

Not sure which tier fits your headcount and budget? Our FAQ page breaks down what each tier includes.