⚙️The TMH Group Framework: Simple Access, Individual Ownership✨
An employer arranged, post-tax support program that keeps workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors in control of their individual coverage while giving employers predictable costs and minimal administration. TMH Group does not operate as an insurance agency or group health plan.
🔄How Access Works
A streamlined 4-step process that provides a unified experience and is structured as a post-tax access program intended to reduce ERISA involvement. Employers should confirm classification with legal and tax advisors.
👤Worker Enrollment
Workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors connect with licensed professionals who review ACA Marketplace options and help them enroll. TMH Group does not perform enrollment or provide plan recommendations.
💰Employer Participation
Employer participates in TMH Group by paying a Workforce Support Access Fee per eligible worker. This fee is for access to the workforce support program and is not an insurance premium or plan contribution.
💳Premium Payment
Workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors pay their health insurance premiums directly to the carrier.
📊Ongoing Management
TMH Group coordinates renewal reminders and reporting for the employer while licensed professionals handle all insurance related servicing.
🛡️Compliance by Design
Built from the ground up to help keep employers protected and workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors empowered. Employers should review the program structure with their legal and tax advisors.
🙋Individual Ownership
Each policy is individually owned, voluntary, and issued through licensed professionals.
💵Post-Tax Structure
The program is structured on a post tax basis to help preserve workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors' potential ACA subsidy eligibility. TMH Group does not administer pre tax plans.
🔒No Premium or Claim Handling
TMH Group never processes worker premiums, claim payments, or PHI. Premiums are paid directly from workers including full-time, part-time, seasonal, variable-hour, and 1099 contractors to carriers.
👨⚕️Licensed Professionals
Licensed professionals handle enrollment and servicing.
🏢Employer Protection
Designed to reduce employer administrative burden; employers should consult advisors.
💼Employer Cost Structure
Employers pay a fixed Workforce Support Access Fee rather than funding premiums or claims, and receive a streamlined workforce support program. TMH Group does not reimburse premiums or medical expenses.
🤝Works With or Without a Group Plan
TMH Group can operate as a stand-alone workforce support program or alongside an existing group health plan.
Full-time workers can stay on the group plan, and part-time or 1099 workers can use TMH Group to connect with licensed professionals for ACA Marketplace coverage and year-round support.
⚖️Compliance Reminder
Each program must remain distinct. TMH Group is voluntary, individually owned, and post-tax.