INDUSTRY
CONTRACTING INDUSTRY
Health plans built for contractors, trades, and field crews who get the job done
A Memberly-constructed health plan gives union and non-union contractors quality coverage at a cost that works for every crew.
Contractors and skilled tradespeople, including builders, electricians, plumbers, painters, and field crews, keep America’s infrastructure strong, yet they often pay the same inflated insurance rates as higher-risk, sedentary industries. Memberly changes that with health plans built for the realities of construction work, supporting active employees, multiple job sites, and union or non-union crews. Our self-funded and level-funded PPO and Reference-Based Pricing (RBP) plans provide affordable, ACA-compliant coverage with nationwide access and predictable costs that help employers save up to 40% compared to traditional insurance.
Why Self-Funding Works for the Construction Industry
In self-funded or level-funded health plans, employers pay only for the healthcare their teams actually use, not the inflated pooled premiums of traditional insurance. For contractors and construction companies, this model provides greater control, flexibility, and long-term savings.
Key Advantages:
- Active, skilled workforces mean fewer claims and lower overall costs
- Physically demanding roles help reduce long-term health risks and chronic conditions
- Transparent PPO or RBP pricing eliminates inflated billed rates and hidden markups
- Potential refunds or surplus credits when annual claims come in below projections
Who Memberly’s Health Plans Are Built For
Contractors and construction companies share common traits: field-based teams, physically demanding roles, and skilled, hands-on employees. These characteristics align perfectly with how self-funded and level-funded health plans are rated and priced, allowing employers to save significantly compared to traditional insurance. Memberly’s health plan designs are ideal for:
- General Contractors: Project managers, foremen, and field supervisors
- Skilled Trades: Electricians, plumbers, painters, welders, and HVAC technicians
- Construction Crews: Laborers, operators, and site workers
- Specialty Contractors: Roofing, masonry, flooring, and mechanical service teams
How Contractors Save Up to 50%
Traditional insurance blends your lower-risk, physically active workforce with higher-cost groups. Memberly changes that by customizing plan design and pricing around the unique needs of contractors and construction employers.
By combining:
- Self-Funded PPO or RBP design
- Preventive-only MEC coverage for part-time staff
- MVP (Minimum Value Plan) options for full-time employees
- Integrated pharmacy and telehealth savings
Contractors typically reduce total healthcare costs by 30 to 40%.
