Delivering affordable health benefits
A level-funded health plan for employers with as few as 25 employees.
Zuniga Health offers a full suite of level-funded plans: MEC (Minimum Essential Coverage), MVP (Minimum Value Plan), PPO and HDHP, in all 50 states, with a robust network of national and regional providers.
Featured partnership
Exclusive partnership with Advocate Health Care.
Zuniga Health has an exclusive partnership with Advocate Health Care, part of Advocate Health — the 5th 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, physicians, specialists, and ancillary services
- Full-stack pharmacy solution
- Rebates from PBMs deposited into the client's claim account
- Mature contracts for Aggregate and Specific protection, on a 12/18 basis
- Guaranteed no-laser renewals, at request
- At contract end, 100% of the account balance is the employer's money
Why brokers choose Zuniga Health
A better story to bring to every renewal.
Your employer clients are overpaying for their fully insured coverage — and getting nothing back in return.
Zuniga Health's level-funded platform offers a full suite of level-funded plans: MEC/MVP, PPO, HDHP in all 50 states with a robust network of national and regional providers. Your clients will receive 100% of unused claims dollars returned at renewal. No balance billing...No RBP surprises...Just a product that wins renewals!
100% Claims Refund to Employer
Unused claims dollars go back to the employer — not the carrier. A tangible, provable win you can show at every renewal conversation.
Zero Balance Billing Risk
No surprise bills for employees. Your clients get a clean PPO experience — not the RBP headaches that damage broker relationships.
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.
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.
Our mission
Elevating the Hispanic business community through accessible health benefits.
Today, there are nearly 5 million Hispanic-owned businesses in the U.S., contributing more than $700 billion to the economy each year. In Chicago alone, 100,000 Hispanic-owned businesses account for 62% of employment.
Zuniga Health seeks to increase the number of Hispanic employees obtaining affordable, accessible health benefits. As a leader in inclusive health care, we provide multilingual support and culturally responsive services.
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