You may have heard a lot about the rates for individual plans on exchanges and group plans through the Affordable Care Act. The rates continually increase and the benefits appear to get worse. The ACA plans are what are called community rated. Plan rates are based on the entire population. The thing about the craft beverage industry is that they are NOT representative of the population as a whole. The craft beverage industry is mostly made up of younger people and, for the most part, healthier people. Prior to the adoption of the ACA, all group plans were underwritten based on age and health of the members. After much thought, we market plans that take advantage of the fact that you are, in fact, younger and healthier than the general population. Our plans are underwritten. If you have a healthy group, your rates often will be 30% or more below those of the ACA and your benefits will be far superior*. You can rest assured, though, that our plans are both ACA and ERISA compliant. We only use A rated carriers or better. We also offer fully-insured plans for both large and small groups.