INDUSTRY
TECHNOLOGY INDUSTRY
Health plans built for innovators, developers, and gig-economy teams
A Memberly-designed health plan gives educators, staff, and training professionals affordable coverage that supports their work and well-being.
Technology professionals, freelancers, and gig workers power innovation and keep the modern economy running, yet they often face the same inflated insurance costs as higher-risk industries. Memberly changes that with health plans built for the realities of flexible, project-based work, supporting remote teams, independent contractors, and distributed companies. 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 tech companies and gig platforms save up to 40 percent compared to traditional insurance.
Why Self-Funding Works for Technology and Gig Teams
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 technology companies and gig platforms, this model provides flexibility, transparency, and long-term cost control.
Key Advantages:
- Dynamic, lower-risk workforces lead to fewer claims and reduced overall costs
- Flexible plan designs support remote workers, freelancers, and hybrid teams
- 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
Technology and gig-economy organizations share common traits: flexible teams, project-based work, and a mix of full-time, part-time, and independent professionals. These characteristics align perfectly with how self-funded and level-funded health plans are rated and priced, allowing employers and platforms to save significantly compared to traditional insurance.
Memberly’s health plan designs are ideal for:
- Technology Companies: Developers, engineers, designers, and remote staff
- Gig Platforms and Marketplaces: Freelancers, delivery professionals, and on-demand service providers
- Creative and Digital Agencies: Content creators, marketers, and production crews
How Technology and Gig Employers Save Up to 40%
Traditional insurance blends your flexible, lower-risk workforce with higher-cost groups. Memberly changes that by customizing plan design and pricing around the unique needs of technology companies and gig platforms.
By combining:
- Self-Funded PPO or RBP design
- Preventive-only MEC coverage for part-time or project-based workers
- MVP (Minimum Value Plan) options for full-time employees
- Integrated pharmacy and telehealth savings
Technology and gig employers typically reduce total healthcare costs by 30 to 40%
