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Frequently Asked Questions📚
🎯Quick answers before you call. Comprehensive information about TMH Group.
Employers of any size that have full-time, part-time, seasonal, variable-hour, or 1099 workers, and organizations that want to complement existing benefits or extend ACA Marketplace access support through licensed professionals to additional worker classes.
Yes. Many employers keep their group plan for full-timers and use TMH Group for other classes of workers. Each program is structured to remain separate. Employers should confirm ERISA and tax implications with their legal and tax advisors.
Workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors pay their ACA Marketplace premiums directly to the carrier. TMH Group and its partners do not handle worker premium payments, do not collect premiums, and do not reimburse premiums.
Post tax treatment helps preserve workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors' potential ACA subsidy eligibility and avoids pre tax HRA or cafeteria plan administration. TMH Group does not provide tax, legal, or insurance advice; employers should consult their advisors.
TMH Group is structured as a non insurance workforce support program. It does not provide insurance, reimburse medical expenses, administer group health plans, or provide insurance advice, and it operates on a post tax basis. Employers should review the structure with their legal, tax, and ERISA advisors to determine how it applies to their specific situation.
Licensed professionals working with TMH Group manage all ACA Marketplace interactions, renewals, and support. TMH Group itself does not service insurance policies or provide plan recommendations.
⚖️Traditional Group Plan vs TMH Group🎯
See the difference side-by-side 📊
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| 📌Category | 🏢Traditional Group Plan | 🚀TMH Group Program |
|---|---|---|
| 💰Employer Cost | Fixed monthly contribution | ✅ Workforce Support Access Fee per eligible worker |
| 👥Eligibility | Full-time only | ✅ Eligibility is defined by employers and may include full-time, part-time, seasonal, variable-hour, and 1099 workers. |
| 💵Worker Premiums | Fixed group rates | ✅ May qualify for ACA subsidies |
| 🔄Flexibility | Limited choices | ✅ Individual plans |
| 📋Administration | High | ✅ Minimal. Employers define eligibility classes while TMH Group coordinates access and licensed professionals provide support. TMH Group does not administer insurance plans. |
💰Employer Cost
🏢 Traditional Group Plan
Fixed monthly contribution
🚀 TMH Group Program
✅ Workforce Support Access Fee per eligible worker
👥Eligibility
🏢 Traditional Group Plan
Full-time only
🚀 TMH Group Program
✅ Eligibility is defined by employers and may include full-time, part-time, seasonal, variable-hour, and 1099 workers.
💵Worker Premiums
🏢 Traditional Group Plan
Fixed group rates
🚀 TMH Group Program
✅ May qualify for ACA subsidies
🔄Flexibility
🏢 Traditional Group Plan
Limited choices
🚀 TMH Group Program
✅ Individual plans
📋Administration
🏢 Traditional Group Plan
High
🚀 TMH Group Program
✅ Minimal. Employers define eligibility classes while TMH Group coordinates access and licensed professionals provide support. TMH Group does not administer insurance plans.
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