For Business Owners
From solo agents to growing teams, the ONE Healthcare System delivers full-featured ACA-qualified medical plans and add-ons like dental, vision, and disability — designed to protect your health and your business.
Quick Help
Tap a question and we'll take you straight to the answer.
Step 01 · Core Coverage
Cigna Major Medical · Powered by Triad
Nationwide Cigna PPO access, predictable costs, and straightforward benefits — no networks to guess, no surprises to budget for.
Richest Coverage - Lowest OOP Max
Monthly Premium
~$900/mo
~$10,900 annually
Annual Deductible
$1,000
Out-of-Pocket Max
$5,000
Incl. deductibles, copays, etc.
Best case: $10,900 (no utilization)
Worst case: $15,900 (high utilization)
Lowest Monthly Premium
Monthly Premium
~$600/mo
~$7,300 annually
Annual Deductible
$7,350
Equal to OOP maximum
Out-of-Pocket Max
$7,350
Best case: $7,300 (no utilization)
Worst case: $14,650 (high utilization)
HSA Eligible - Best Tax Advantage
Monthly Premium
~$630/mo
~$7,600 annually
Annual Deductible
$5,000
No copays until met
Out-of-Pocket Max
$6,550
Best case: $6,280 (no util. + HSA)
Worst case: $12,900 (high util. + HSA)
*Illustrated rates reflect Tier 4 of 13. Final rates are set after underwriting (approx. 10 days). All plans are Cigna PPO network plans underwritten by Triad. Complete the enrollment form for a personalized quote.
Cigna Major Medical · Powered by Triad
Realty ONE Group network members with a registered:
Year-round enrollment. Coverage begins the first of the month of your choosing. Plans cover pre-existing conditions and are underwritten — businesses with fewer than 25 enrolled employees complete a health questionnaire; 25+ businesses provide a census only.
Step 02 · Additional Insurance
Dental & Vision
MetLife · PDP Plus Network
MetLife · VSP Vision Network
Step 03 · Income Protection
Life & Disability
$10,000 base life per eligible employee — 1x salary for a company of 10, higher amounts available for owners and leadership.
Employees up to $450K, spouse & child life available. Guaranteed issue $150K employee / $10K spouse at first eligibility.
Weekly benefits begin after 2 weeks, payable for 11 weeks. Employer-paid or employee-paid options.
Up to 60% of income to $10,000/mo payable to retirement age. Own-occupation protected for 24 months.
Step 04 · Round It Out
Additional Benefits
Low or High plan options that pay in addition to your medical coverage for covered events.
Review SummaryLump-sum benefits to use as you see fit, including expenses your medical plan doesn't cover.
Review SummaryLump-sum cash payments for covered hospital events, regardless of other medical plan payments.
Coverage for common legal issues — estate planning, home sales, tax audits, and more.
Identity monitoring and fraud protection to help keep your information private.
Step 05 · Final Step
Start Here!
When you hit submit, you will receive an email with two instructions. First, as the plan administrator, to add your employees' names and email addresses; second, to complete your own Personal Health Questionnaire (PHQ) for enrollment. When this is completed, your employees will receive an email to complete their own PHQ. Once the applications are complete, underwriting will take about a week.
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