Posted August 22, 2025 by Steve Chrzanowski Director, Group Retention
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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.
Share the cost with other businesses. MEWAs often offer lower monthly premiums compared to traditional small group plans.
MEWAs can include more flexible health plan options from basic coverage to plans with extras like vision dental and HSAs.
Get access to competitive group rates which usually mean better coverage at a better price.
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.
The Chamber Health Benefits Plan, in partnership with SummaCare, gives your employees access to 14 different PPO health plans—including ones that work with Health Savings Accounts (HSAs). Plus, coverage for provider visits, hospital care plus prescriptions.
Plus, as a member you’ll enjoy an exclusive network of providers and hospitals, including:
Plus, helpful health perks, like:
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 888.956.5718 or visit summacare.com/chamberhealth to learn more.