Delivering affordable health benefits
A level-funded health plan for employers with as few as 25 employees.
Great health benefits shouldn't be a luxury only big companies can afford.
Whether you're running a family-owned business, scaling a fast-growing startup, or managing employees across multiple states, Zuniga Health helps you deliver health benefits your team will actually value—without blowing your budget. Our full suite of level-funded plans—MEC (Minimum Essential Coverage), MVP (Minimum Value Plan), PPO, and HDHP—gives you the flexibility to find the right fit, backed by a robust network of national and regional providers in all 50 states. Zuniga Health's premiums are typically 15–20% lower than fully-insured carriers.
Exclusive partnership with Advocate Health Care.
Find care near you at Advocate Health Care, one of the leading health systems in the Chicago area.
Zuniga Health has an exclusive partnership with Advocate Health Care, part of Advocate Health — the 3rd largest nonprofit integrated health system in the United States.
Zuniga Health co-developed with Advocate Health Care 3 PPO plans (Bronze, Silver, Gold) and 7 HDHP level-funded medical benefits.
Access to providers is easier than ever before because employees can choose from hundreds of Advocate Health Care providers through one of the largest primary and specialty networks.
Multiple plan options: PPO and HDHP
Multiple plan options can be used by the same employer group
Access to Advocate Health Care hospitals, primary care physicians, specialists, and ancillary services
Advocate's telehealth services for urgent care, primary care, and select specialties
Rebates from PBMs deposited into the client's claim account
At contract end, 100% of the account balance is the employer's money
AI-powered virtual health assistant that answers employees' questions about benefits, providers, copays, coverage, and more — instantly and accurately. Saves HR an average of 9 hours every week on benefits-related tasks
The plans also include a comprehensive pharmacy benefit strategy that offers specialty medication oversight, rebate transparency, and cost-conscious formulary management
Coverage options
Pick the level of coverage that fits your agency
Six level-funded plans, all ACA-compliant, so you can match coverage to your budget and your caregivers' needs.
Your caregivers keep your clients safe at home, but their hours shift week to week, their paychecks move with them, and most health plans were designed for 9-to-5 salaried staff. When coverage comes with deductibles and copays they can't afford, they don't enroll, and they don't stay.
Why hourly teams are hard to cover
- Shifting schedules. Variable hours make it tough to track who's eligible and keep your offers of coverage accurate.
- Paychecks that swing. A large fixed monthly premium is hard to budget on an hourly wage, so many caregivers simply opt out.
- Care that costs a shift. For an hourly worker, a doctor visit can mean a copay and lost wages, so small problems go untreated.
- A real affordability gap. Mercer found only 63% of hourly workers can afford the care they need without hardship, versus 83% of salaried employees.
Affordability data: Mercer.
What your caregivers get for $0
Zuniga Health's MEC and MVP plans remove the copay from the care hourly workers use most.
Every plan, in network
$0 copay, $0 deductible
- Preventive care, annual physicals, screenings and immunizations
- Telemedicine visits, so care doesn't cost a shift
- Preventive maintenance prescriptions, retail (30-day) or mail order (90-day)
At Zuniga Select Zero providers
$0 copay and no deductible on covered services
- Primary care and behavioral health visits
- Specialist visits
- Urgent care
- Labs and X-rays
- CT, MRI and PET scans
- Surgery at ambulatory surgery centers
- Emergency room and hospital stays (Max MEC and all MVPs)
- Physical, occupational and speech therapy (all MVPs)
Available on Mid MEC, Max MEC and all MVP plans, up to each plan's annual visit limits, in non-hospital settings except ER and inpatient stays.
Addresses ACA Penalty A
Minimum Essential Coverage (MEC)
- Select MEC — $0 preventive care, telemedicine and maintenance prescriptions. The lowest-cost way to meet the mandate.
- Mid MEC — Adds 3 primary care and 3 specialist visits, urgent care, labs, imaging, outpatient surgery and $10 generics.
- Max MEC — Doubles visits to 6 each and adds ER coverage and up to 3 hospital days.
Addresses ACA Penalty B
Minimum Value Plans (MVP)
- Basic MVP — 8 primary care and 8 specialist visits, up to 5 hospital days, therapy visits, and generic and preferred-brand prescriptions.
- Mid MVP — 10 visits each, up to 7 hospital days, and a lower $5,000 in-network out-of-pocket max.
- Max MVP — 12 visits each, up to 10 hospital days, and the lowest copays in the lineup.
Why agencies choose Zuniga Health
- Lower, predictable cost. Level-funded premiums typically run 15–20% below fully insured carriers, with potential savings back if claims come in low.
- Bilingual support. A high-touch English/Spanish service team plus an AI-powered app for finding care and understanding benefits.
- Nationwide. National and regional provider networks in all 50 states, for groups of 25 employees and up.
Level-Funded Health Plans for Employers with 25 to 2,000+ Employees
A better story to bring to every renewal.
Your employer clients are overpaying for their fully insured coverage — and getting nothing back in return
We partner with forward-thinking brokers to deliver cost-effective, high-quality benefit solutions that help clients reduce costs without sacrificing care. Zuniga Health empowers your clients with smarter health plans that improve outcomes, enhance the employee experience, and provide greater value for employers, employees, and their families.
Innovative Level-Funded Plan Design
Deliver a health plan employees will value and use. Our innovative level-funded plan design removes financial barriers to care, encourages preventive treatment, and helps employees get the care they need without unexpected costs.
National & Regional Provider Networks
Give your clients' employees unmatched access to quality, in-network care through national and regional provider networks across all 50 states — wherever they live, work, or travel.
Employee Experience
Give your clients' employees an exceptional experience from day one. Our AI-powered digital app makes finding care, understanding benefits, and managing claims effortless — while our high-touch bilingual customer service team delivers real human support in the language members prefer. Happy employees mean fewer complaints, higher satisfaction scores, and a benefits program your clients actually brag about.
Zero Balance Billing Risk
No surprise bills for employees. Your clients get a clean PPO experience — not the RBP headaches that damage broker relationships.
Competitive Broker Compensation
You don't sacrifice comp to offer a better product. Earn competitively on par with fully insured, plus stronger retention year over year.
Stronger Renewal Position
Stop defending 30%–40% premium increases. Walk into renewal with a refund-check story and cost-trend data. That's retention — and referrals.
Our mission
Better Health Coverage for Employees and Their Families
At Zuniga Health, our mission is to help employers provide affordable, high-quality healthcare benefits that support the health and well-being of their employees and families.
We serve employers of all sizes and from every community with flexible health plan solutions, broad provider access, and personalized support. By helping employers manage healthcare costs without sacrificing the quality of their benefits, we strive to make dependable healthcare coverage more accessible to the people and families who rely on it.
Our commitment is simple: better access, greater affordability, and healthier outcomes for every community we serve.
FAQ
Frequently asked questions.
Zuniga Health is a level-funded health plan for employers with as few as 25 employees.
Level-Funded Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP) for hourly employees and to manage ACA penalties A and B, plus PPO, HDHP, Dental and Vision plans.
Yes. We meet all regulations surrounding the Affordable Care Act.
Zuniga Health operates in all 50 states.
Let's talk.
If you're an employer or broker focused on offering affordable health benefits, drop us a line. A member of our sales team will be in touch shortly.
Juan Martinez, Vice President