A Modern Way to Support Worker Access to Individual Health CoverageWithout the Headache
TMH Group is an employer arranged workforce support program that helps employers connect their workers, including full-time, part-time, seasonal, variable-hour, and 1099 contractors, with licensed professionals for ACA Marketplace assistance. TMH Group itself does not sell insurance or provide plan recommendations.
Many employers struggle to provide affordable health coverage to every worker.
TMH Group changes that.
The Solution
Our national framework allows employers of any size to offer a structured workforce support program that connects workers with licensed professionals who assist with individual ACA Marketplace coverage, without sponsoring a traditional group health plan or funding premiums.
Licensed Professionals
Workers work directly with licensed professionals who handle enrollment and renewals. Premiums are paid directly to the carrier. TMH Group does not handle payroll, premium funding, or enrollment activities.
Flexible Options
Employers may also use TMH Group alongside an existing group health plan to extend access to full-time, part-time, seasonal, variable-hour, and 1099 workers.
How the Program Works
Affordable coverage access and support for every worker with no red tape.
Offer the Program
Employers add TMH Group as an employer arranged workforce support program for full-time, part-time, seasonal, variable-hour, and 1099 workers.
Licensed Guidance
Workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors connect with licensed professionals who review ACA Marketplace options and help workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors understand potential eligibility. TMH Group does not provide plan comparisons or eligibility recommendations.
Direct Payment
Workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors pay premiums directly to the carrier. TMH Group does not handle premiums or payroll. Employers may offer optional taxable stipend per worker class.
Year-Round Support
Licensed professionals handle renewals and servicing. TMH Group coordinates communication and access behind the scenes and does not service insurance policies.
Who It Is For
TMH Group fits perfectly for:
- Employers of any size, including small and mid-sized businesses
- Organizations with full-time, part-time, seasonal, variable-hour, and 1099 workers
- Staffing firms, franchises, retail, hospitality, and service-based industries
- Employers supplementing existing group health plans
- Employers who want to complement an existing group plan for non-benefited staff
Why Employers and Partners Like It
Real benefits that make a difference every day
No employer premium funding required. Structured to limit ERISA and administrative burden.
Predictable monthly Workforce Support Access Fees instead of group plan premiums or reimbursements. TMH Group does not reimburse claims or administer medical benefits. Employers should confirm ERISA and tax treatment with their advisors.
Works across multiple worker types
Ideal for full-time, part-time, seasonal, variable-hour, and 1099 workers as defined by the employer.
Structured to support potential ACA subsidy eligibility depending on income and Marketplace rules.
Workers may access premium tax credits and cost-sharing reductions depending on income and household size. TMH Group does not determine subsidy eligibility.
Licensed professionals handle all servicing
Dedicated agents manage enrollment, renewals, and year-round support for workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors. TMH Group does not enroll workers in coverage or provide insurance advice.
Scales nationwide with one consistent framework through licensed professionals
Nationwide availability with a unified approach that simplifies multi-location management.
Ready to Learn More?
Connect with our team to see how TMH Group can work for your organization.
Important Disclaimer
TMH Group is an employer arranged workforce support program that does not sell insurance, reimburse medical expenses, administer group health plans, handle premiums or funds, or process claims. Workers own their coverage and pay carriers directly. Workforce Support Access Fee applies. Employers remain responsible for their own legal, tax, and ERISA compliance and should consult their advisors.