Protect Claims Experience for Salaried Employees and Increase the Coverage Rates of Hourly Workers

For self-funded companies with large classes of benefits eligible hourly workers, the Array solution is an exceptional fit. Our fixed-cost health benefits plan offers two powerful advantages to these companies: it increases employee insurance coverage rates and it protects the claims experience of the self-funded health plans.

Hourly workers are typically paid less than the rest of the employee population and often struggle to afford the 25 - 50% contribution to their health plans. Participation rates among hourly workers are generally very low. As a result, hourly workers who elect self-funded health plans are often unhealthy. As a consequence, severe adverse selection issues arise hurting the claims experience of the self-funded health plans. Meanwhile, those hourly workers who choose not to elect the health plan often remain uninsured.

The companies Array assists maintain their self-funded health plans for salaried workers and offer Array's fixed-cost health benefits plan to hourly employees.

This is a win-win solution for employees and companies.

• The percentage of hourly employees with health insurance increases dramatically through Array's service, because employees can generally find individual policies for less than their companies' contributions.
• The companies are able to fix healthcare costs for their hourly employees, while protecting the claims experience of their self-funded health plans, which remain in place for salaried workers.

Read some common questions companies have about Array.