INDUSTRY
Health Plans That Reflect How Retail Teams Really Work
Retail runs on people — the associates, managers, and warehouse teams who keep shelves stocked, customers happy, and operations running. Yet when it comes to health benefits, most retail employers are still paying big-carrier premiums that don’t reflect how their workforce actually uses care. Your employees are on their feet, serving customers, stocking inventory, or managing transactions. They’re typically younger, active, and low-utilization, yet your company often pays insurance rates designed for older, higher-risk workforces.
Why Self-Funding Works for Retail Employers
In a self-funded or level-funded model, your company pays only for actual healthcare costs, not inflated pooled premiums. For retailers with younger, active employees, this model is a perfect fit.
Key Advantages:
- Younger, lower-risk workforce = fewer claims and lower premiums Flexible funding structure with predictable monthly costs
- Transparent PPO or RBP pricing replaces outdated network markups
- Refund potential when claims come in below projections
Built for the People Who Power Retail
Retail businesses share a common profile — fast-paced environments, active employees, and younger workforces — all of which align perfectly with how self-funded and level-funded health plans are rated and priced.
- Apparel & Specialty Stores: Fashion, home goods, and brand-name storefronts
- Supermarkets & Grocery Chains: Full-line and regional food retailers
- Convenience Stores & Gas Chains: Multi-location operators and franchise networks
- Franchise & Storefront Businesses: Local and national retail brands with hourly teams
- Fast Food & Quick-Service Restaurants: Counter staff, kitchen crews, and shift managers
How Retail Employers Save Up to 50%
Traditional insurance blends your younger, lower-risk retail employees with high-cost groups. Memberly customizes plan design and pricing around your workforce — delivering meaningful coverage at a fraction of the cost.
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
Retail employers typically cut healthcare costs by 30–40%.
