How to Offer Health Benefits With No Minimum Enrollment: The Zero Risk Business Plan
You want to offer your employees health benefits. But every option you have looked at demands a minimum number of enrollees, a census of your workforce, or setup costs that eat into your margin before anyone sees a doctor.
The Zero Risk Business Plan changes the equation entirely. Here is how it works, who it is for, and which plan family fits your situation.
What the Zero Risk Business Plan Actually Is
The Zero Risk Business Plan is the employer path through Benefit Airship — a zero-launch health benefits platform designed for small employers who want to offer real group coverage without the usual barriers.
Here is what it takes to get started:
- Zero cost to register. No setup fees, no monthly platform charges. You pay only for the plans you and your employees actually enroll in.
- No minimum enrollee count. Five employees or five hundred — or even a single self-employed owner operating as a one-person group. There is no floor.
- No census required. You do not need to hand over your workforce demographics before choosing plans. The plans are pre-approved.
- Enroll by the 15th of any month. Coverage kicks in on the 1st of the following month. The whole setup takes 15 to 30 minutes.
The employer contribution is optional. You can have employees pay the full premium, you can subsidize part of it, or you can cover it entirely. The platform is flexible enough to handle all three.
The Two Plan Families: Copay vs. HSA
Benefit Airship offers two distinct plan families. Understanding the difference helps you choose the right fit for your workforce.
Copay Family: Silver, Gold, Platinum
The Copay plans feel like traditional insurance. You pay a fixed copay at the point of service — no surprises, no guessing. These are HMO-style plans with fixed copays for doctor visits and predictable out-of-pocket costs.
Silver — The entry point for the Copay family.
- Deductible: $3,000 single / $6,000 family
- Monthly premium: $659 employee / $2,189 family
- PCP copay: $35
Gold — Richer benefits at a moderate price.
- Deductible: $1,000 single / $2,000 family
- Monthly premium: $729 employee / $2,579 family
- PCP copay: $15
Platinum — The flagship. Zero deductible.
- Deductible: $0 / $0
- Monthly premium: $799 employee / $2,759 family
- PCP copay: $25
- Max out-of-pocket: $1,250 single / $2,500 family
Platinum is the plan owners reach for when they are already paying $1,500 to $2,500 a month for group coverage and want to know exactly what their healthcare costs will be.
HSA Family: MVP, Bronze, HSA Silver
The HSA plans are high-deductible, HSA-qualified, and designed for tax-advantaged savings. The lower monthly premiums go hand-in-hand with a health savings account — money you set aside pre-tax to cover medical expenses.
MVP — The lowest cost of entry.
- Deductible: $5,000 single / $10,000 family
- Monthly premium: $269 employee / $679 family
- Network: PHCS Multiplan
MVP is the plan self-employed professionals and independent contractors lean into. The monthly cost is low, and the HSA tax shelter turns medical spending into a savings vehicle. Register as a one-person group — no employees required — and access the same plans as a Fortune 500 company.
Bronze — A middle ground.
- Deductible: $6,000 single / $12,000 family
- Monthly premium: $559 employee / $1,639 family
- Network: Cigna
HSA Silver — Lower deductible, still HSA-qualified.
- Deductible: $3,200 single / $6,400 family
- Monthly premium: $659 employee / $2,189 family
- Network: Cigna
Which Plan Family Fits Your Situation?
| Situation | Plan Family | Why It Works |
|---|---|---|
| You are already paying $1,500+/mo for group coverage | Copay — Platinum | Zero deductible, predictable costs, likely less than what you are paying now |
| You want lower monthly premiums and can handle a higher deductible | HSA — MVP or Bronze | Lower premiums, HSA tax benefits, real coverage at a lower cost of entry |
| You are a self-employed professional with no employees | HSA — MVP | Register as a one-person group, access group rates, HSA tax shelter on the side |
| You want the lowest possible monthly cost | HSA — MVP | $269/month with real coverage and an HSA tax advantage |
| You want rich copays and a low deductible | Copay — Gold | Low copays, affordable premiums, easiest yes for most teams |
What Every Plan Includes for Free
Every medical plan through Benefit Airship comes with these at no extra charge:
- Unlimited 24/7 telehealth. See a doctor anytime, from anywhere. No copay, no visit limit.
- $0 generic prescriptions. Over 1,000 medications at CVS, Walgreens, and major pharmacy chains.
- Annual wellness visit. A preventive checkup at no cost.
- Member concierge. A live human who helps you navigate doctors, appointments, and claims.
These are not add-ons or trial features. They are standard on every plan — Silver, Gold, Platinum, MVP, Bronze, and HSA Silver alike.
Add-Ons: Dental, Vision, and Accident Coverage
Beyond the core medical plans, you can bolt on additional coverage:
- Dental and Vision: $79 per employee / $189 per family. Cigna EPO network.
- Accident Insurance: $49.95 per employee / $99.95 per family. Cash paid directly to the member. Includes a $50,000 accidental death benefit.
- BASE: Starting at $59.95 per employee / $89.95 per family. BASE is not medical insurance — it is a benefit supplement that pairs with your core medical plan.
Getting Started
Setting up benefits through the Zero Risk Business Plan takes 15 to 30 minutes. Here is the path:
- Register your business. Zero cost, no minimum employee count, no census required.
- Choose your plans and contribution level. You decide how much to subsidize — or whether employees pay the full premium.
- Launch enrollment. Enroll by the 15th of any month for coverage effective the 1st of the next month.
Ready to get started? Register your business now or visit benefitairship.com to explore plans as a self-employed professional.
For more information, visit us at trekis.net or call 888-960-0442.