Premium stability · BCBS PPO network

Your premium doesn't move when your team ages or gets sick.

Six consecutive renewals at 3% or less. Taft-Hartley trust law pools underwriting risk across thousands of members — so your per-employee rate doesn't track your team's age, claims, or headcount changes. Health, dental, vision, life, and accident on the BCBS PPO network.

Get your quote → See 2026 rates ↓
5+ EE Groups with 5 or more enrolled employees · 50% minimum participation · waived employees need proof of other coverage
Backed by the Blue Cross Blue Shield PPO network · largest in America
Protects you more than standard plans

Three differences from a standard small-group plan.

Standard plans optimize for the carrier's risk pool. The Taft-Hartley plan optimizes for the member.

Human-centered claims management

A real person walks every claim. Fewer denials, faster approvals, less back-and-forth with your provider's billing office.

Your premiums work for you

ERISA-protected trust structure means underwriting gains stay with the plan instead of becoming carrier profit. Predictable renewals year-over-year.

Cost transparency & affordable renewals

Plan reports show every dollar — claims paid, admin, reserves, network discounts. Six consecutive renewals of 3% or less is the track record.

Who it's for

Built for small businesses in high-cost states.

Small businesses with 5–500 employees

A path out of the fully-insured small-group market with its 8-12% annual renewal increases. Taft-Hartley pricing scales with the trust's experience, not just your group.

  • Same plan, same network, regardless of headcount
  • Per-employee rates that renew the same whether your group stays healthy or becomes sick
2021 — 2026 small group market

2026 renewal vs the Small Group market.

Six years of compounding rate increases on the Small Group market — the segment most small-business owners actually live in. The Trust pooled with PEO4YOU has held members under one-fifth of that, and just 2% in 2026.

PEO4YOU · the trust pool
2% · 2026
Six consecutive years averaging ~2.5%. Cumulative six-year increase < 19%.
Small group market · 2026 range
3.5 – 17.6%
2026 approved & requested small-group renewals across 16 reporting states.
Small group market · 6-yr total
38 – 59%
Compound increase 2021→2026 across the same state set.

2026 renewal vs 6-year cumulative total — by state

Sources: KFF · CMS · state DOI filings
2026 renewal 6-year cumulative total (2021→2026)
* MA = merged Ind./SG market. "Req." = filing requested but not yet approved.
Disclosure. Based on publicly available insurer filings, state insurance department releases, and independent research (e.g., KFF, CMS). Figures reflect either approved or requested rate filings as noted. Six-year averages and totals are calculated using compound growth and may include estimates where historical data is incomplete. While we strive for accuracy, actual rates may differ by carrier, state, or plan, and all information is subject to change. This content is for informational purposes only and should not be relied upon as legal, tax, or financial advice.
2026 rates

All-in monthly premium — per coverage tier.

Includes Health & Welfare (medical), Dental, Vision, $10K Life, $100K Accident, plan admin, and the Trust union fee. No hidden riders.

Members today
~10,000 subscribers
Active members across the trust right now — your group joins a pool that's already absorbing risk at scale.
Trust founded
1950s
The trust operating this health plan has run continuously since the mid-1950s — 70+ years of plan-year experience under Taft-Hartley law.
BCBS PPO network
Since 2012
Members have been on the Blue Cross Blue Shield PPO network since 2012 — the largest provider network in America, 13+ years deep.

H&W 125 — enhanced coverage

Per month, all coverages bundled. Dental and vision can flex independently if your headcount or family mix changes.

Tier H&W Dental Vision Life 10K Accident 100K Admin Union Total / mo
Fine print:
  • Accident coverage is for Employee / Member only.
  • Groups above 10 have custom ancillary rates.
  • First-year Dental max is $1,000; second year increases to $2,000.
  • Surcharge for 4 or more dependent children — Dental $50, Vision $15 per child.

Important plan details for all members

5+ employees enrolled. Minimum 50% participation required to qualify for group coverage.
Full-time, actively working employees. No part-time, no 1099 (unless qualifying as sole proprietor).
Documentation required: Marriage licenses and birth certificates for dependent coverage.
In-network only (except for emergency care). See SBC for full details.
1-year minimum contract. Plan stability — no monthly opt-out.
No BCBS member portal. EOBs mailed directly to your address.
Waived-employee path for spouses on a separate plan — must submit proof of other coverage.
Full disclosure documents available below — review before enrollment.
Instant quote calculator

Drop in your headcount — see your monthly premium.

Counts by coverage tier. Math uses the H&W 125 schedule above. Same per-employee rate regardless of age or claims.

Headcount by tier
Employee onlysingle coverage
Employee + spousecouple coverage
Employee + child(ren)single parent + kids
Employee + familyspouse + kids
Waiversdeclined, has other coverage
Estimated monthly premium
H&W 125 — all coverages bundled
$0
/ month
$0 / year
Subscribers 0
Total enrolled 0
Breakdown by tier
10+ subscribers — custom ancillary Groups above 10 enrolled get custom rates on dental, vision, life, and accident. The number above shows H&W + admin + union only. Add your ancillary line items separately — they'll come in less than the standard per-tier rates (employee-only $75 dental / $15 vision / $10 life / $12 accident; couple & children $150 / $30 / $10 / $12; family $220 / $45 / $10 / $12).
Estimate only. Final premium follows underwriting + carrier confirmation. Quote requires declarations + census.
Get a binding quote →
Benefits side-by-side

Health, dental, vision & life — what's actually in the plan.

The headline numbers off the 2026 plan documents. Full SBC + carrier outlines linked below.

Medical

BCBS PPO National Network
Deductible$1,000
Coinsurance80 / 20
Out-of-Pocket$3,800
Primary Care Co-pay$25
Specialist Co-Pay$50
MedicationsGeneric 10% / Brand 35%
Wellness & TeledocNo Charge
(In-network only) See Health Plan Outline for more details.
Find a BCBS provider →

Vision + Life

VSP Vision
  • Exams: $10 copay, 1 exam every 12 mo
  • Glasses: $25 copay for single lenses
  • Frames: Up to $250 every 24 mo
  • Contacts: Up to $250 every 12 mo
Life
$10K Death Benefit
VSP network · out-of-network coverage available
Plan documents & resources

Everything you need to enroll, claim, or change coverage.

All plan documents, provider lookups, and external tools in one place — direct from PEO4YOU, the carriers, and our 2026 filings.

Plan outlines & summaries
2026 Taft Hartley Health Plan Outline
Health · Full plan summary 334 KB
2026 SBC
Federal Summary of Benefits & Coverage
Dental Plan Summary
Dental · Principal PPO 107 KB
Vision Plan Summary
Vision · VSP 495 KB
Basic Life Benefit Summary
$10K group term life
Accident Summary
$100K coverage outline · Employee only
EAP Brochure
Employee Assistance Program
Plan Features Flyer
One-page overview
HealthiestYou Teledoc Overview
Wellness · Teledoc 1.0 MB
Provider lookups & external tools
Find a Health Plan Provider
BCBS PPO network lookup · external tool
Find a Dental Provider
Principal PPO Dental network · external tool
How to Find a Doctor (Video)
Walkthrough · BCBS provider lookup
Rx Mail Order — Evernorth
Express Scripts mail-order pharmacy
Legal & compliance
Plan Disclosures
Compliance · Full disclosure package 68 KB
Notice of Privacy Practices
HIPAA privacy notice
No Surprises Act
Federal protection notice
Claim references
Out-of-Network Cleanings & X-Ray Claim Example
Dental · Claim reference 80 KB

See if your group qualifies for the Taft-Hartley trust.

Eligibility check takes ~5 min. We confirm your 5+ enrolled count, pull the BCBS PPO provider lookup for your zip codes, model your group at the H&W 125 vs 175 tier, and surface what you'd pay vs your current plan.

Schedule a 15-min eligibility call → Read how Taft-Hartley works ↓