Small Businesses Are Turning to MEWAs—Here’s Why

Last Updated on May 18, 2026

If you own or manage a small business, you’ve probably felt the pressure of offering your employees comprehensive and affordable health insurance that covers them when it counts. The challenges? For most small businesses, it can be expensive and complicated. And if you have fewer than 50 employees, the options may feel underwhelming.

So here’s the question: Is there a way to offer big-time benefits without the big-time budget?

Yes. And it starts with a MEWA.

Wait—what’s a MEWA?

MEWA stands for Multiple Employer Welfare Arrangement. Sounds like a mouthful but it’s actually a smart idea: Small businesses band together, pooling resources, to buy health insurance as one big group.

That means lower costs, more options and stronger negotiating power--all while keeping your business small and nimble.

Why consider a MEWA? Let’s break it down.

Cost Savings

Share the cost with other businesses. MEWAs often offer lower monthly premiums compared to traditional small group plans.

More Choices

MEWAs can include more flexible health plan options from basic coverage to plans with extras like vision dental and HSAs.

Big Group Power

Get access to competitive group rates which usually mean better coverage at a better price.

Better Deals

Pooling together gives MEWAs stronger negotiation power with providers and insurance companies. That can lead to more savings for everyone—and SummaCare’s Chamber Health Benefits Plan can help.

Chamber Health Benefits Plan

The Chamber Health Benefits Plan, in partnership with SummaCare, gives your employees access to 14 different PPO health plans, including options compatible with Health Savings Accounts (HSAs). Plans include coverage for provider visits, hospital care and prescription medications. Through our partnership with Humana, groups with one employee may purchase either a dental or vision plan. Groups with 2-50 employees may purchase dental, vision, life insurance and disability coverage.

Plus, as a member, you’ll enjoy an exclusive network of providers and hospitals, including:

• Summa Health
• Cleveland Clinic
• University Hospitals
• Akron Children’s Hospital
• Aultman Hospital
• And more!

Plus, helpful health perks, like:

• Pharmacy benefits at Walgreens, CVS, Walmart and more
• Three network options to access more than 60 participating hospitals
• Friendly and knowledgeable Member Services team
• Health and wellness benefits like gym membership discounts, health coaching and preventive health reminders

Find out more about how the Chamber Health Benefits Plan can save you money, help you attract and keep top talent and keep you competitive.

Call 330.996.8955 or visit summacare.com/employer-group-products/small-group-plans to learn more.