Association Health Plans Tennessee

Association Health Plans from Tennessee Specialists

Unique Risks. Smart Solutions.

Learn more about the Association Health Plans policies available in Tennessee & across the US. One of our agents can help you find the policy that's right for you.

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TRM Insurance

Lower premiums. Better benefits. More control for your business.

If rising health insurance costs are squeezing your budget, you’re not alone. Many small and mid-sized employers feel stuck choosing between affordability and quality coverage. Association Health Plans (AHPs) help break that trade-off.

Through TRM Insurance, eligible businesses may reduce health insurance premiums by up to 40% while gaining access to richer benefit options than many traditional small-group plans. By leveraging association-based group purchasing power, employers can access broader networks, enhanced coverage, and more flexible plan designs—without the big-company price tag.

Association Health Plans Tennessee

What Are Association Health Plans?

Association Health Plans allow qualifying businesses and association members to band together to purchase health insurance as a single group. Instead of shopping alone in the small-group or individual market, employers join an association-sponsored plan that spreads risk across multiple organizations.

This larger risk pool often results in:

  • Lower overall premiums
  • More predictable rate increases
  • Access to benefits typically reserved for larger employers

AHPs are especially attractive to small businesses, trade groups, and professional organizations looking for affordable, stable health coverage options.

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Association Health Plans Tennessee

How Association Health Plans Work

Rather than each business negotiating coverage independently, an association sponsors a group health plan on behalf of its members. Participating employers then enroll their eligible employees into the plan.

Because risk is pooled across multiple employers, insurers can often offer:

  • More competitive pricing
  • Broader provider networks
  • Expanded benefit offerings

 

TRM Insurance helps employers evaluate available association plans, confirm eligibility, and select coverage that aligns with both budget and workforce needs.

  • Lower Monthly Premiums

    By combining purchasing power, AHPs often reduce premiums compared to traditional small-group or individual health plans.

    Richer, More Comprehensive Benefits

    Many Association Health Plans offer robust coverage options, which may include:

    • Preventive care and wellness services
    • Prescription drug coverage
    • Mental health and behavioral health services
    • Hospitalization and specialist care
    • Supplemental benefits such as dental, vision, and life insurance

    Greater Rate Stability

    Spreading risk across a larger group helps limit dramatic year-over-year premium increases, making budgeting easier for employers.

    Employer Flexibility

    Depending on the association and plan structure, employers may have flexibility in:

    • Plan design
    • Contribution levels
    • Coverage tiers

    This allows businesses to offer competitive benefits without overextending financially.

    Simplified Administration

    Association-sponsored plans often reduce administrative burdens, helping business owners spend less time on paperwork and more time running their company.

  • TRM Insurance is currently accepting applications for a wide range of association-based coverages, including:

    • Medical insurance
    • Dental insurance
    • Vision insurance
    • Cancer and critical illness coverage
    • Accident insurance
    • Life insurance
    • Short- and long-term disability
    • Long-term care insurance

     

    These plans can be structured as standalone benefits or bundled into a comprehensive employee benefits package.

  • Eligibility varies by association and plan, but AHPs are commonly available to:

    • Small business owners
    • Self-employed individuals (in qualifying associations)
    • Employers within the same industry or trade
    • Members of professional, trade, or business associations
    • Businesses meeting participation and employer contribution requirements

     

    Not sure if you qualify? That’s where we come in. TRM Insurance evaluates your business, association affiliations, and workforce to identify eligible AHP options in your area.

  • Feature Association Health Plans Traditional Small-Group Plans
    Premium Costs Often lower Typically higher
    Risk Pool Large, multi-employer Limited to one employer
    Benefit Options Broader and customizable Often limited
    Rate Stability More predictable More volatile
    Buying Power High Low

     

    For many employers, AHPs offer a smarter alternative to the traditional small-group market.

  • Association Health Plans aren’t one-size-fits-all—and not every plan is created equal. TRM Insurance helps you:

    • Determine AHP eligibility
    • Compare association plan options
    • Evaluate costs vs. benefits
    • Customize coverage for your workforce
    • Stay compliant with participation requirements

    We act as your advocate, not just your broker.

Get Started With Association Health Coverage Today

If you’re looking to reduce health insurance costs without sacrificing benefits, Association Health Plans may be the solution your business has been missing.

Contact TRM Insurance today to explore available Association Health Plans, confirm eligibility, and build a benefits strategy that works harder for your business—and your employees.

Lower costs. Better coverage. Smarter group health insurance.

Get a Quote

Share your details with us, and our team of friendly agents will be in touch with you soon!

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