The Group Health Insurance Alternative

  • Lower Premiums
  • Multiple Carriers
  • Single Source
  • Superior Service

Programs Overview

For more than 30 years, PacFed has set the standard for the administration of fully insured group health insurance programs. We provide employers access to high quality, competitively priced Private Health Insurance Exchanges, Taft-Hartley Plans and Employer Plans.

Private Exchanges

Private Exchanges allow participating employers to use their collective purchasing power to obtain health insurance and other group coverage. Participation in one of PacFed’s administered Private Exchanges requires an employer to have a minimum of fifty (50) full-time employees.

Advantages to employers include lower premium cost, premium renewal stability, choice of carriers and coverage options, and reduced administration work. PacFed provides field, member and claims assistance, complete COBRA administration and the issuance of Certificates of Creditable Coverage.

Industries served

Taft-Hartley Plans

A Taft-Hartley Plan is a Private Exchange that provides group health insurance plans for employees covered under a Labor Collective Bargaining Agreement between an employer and a union. Eligibility for employees is determined according to the provisions of the collective bargaining agreement between the union and employer participating in the plan. Employees who work in and outside the state of California are eligible to participate.

Industries served
  • Bus & Transportation
  • Government Contractors
  • Logistics & Freight
  • Manufacturing
  • Sanitation

Single Employer Plans

For larger employers, an ERISA trust may be established with the Trust as the policyholder. The Administrator may take over the responsibility for COBRA, Compliance Notices, ACA and IRS reporting. Group insurance plans are issued to a single employer ERISA Trust providing coverage for employees and their dependents. Single employer plans may choose to purchase coverage from an insurer or managed care organization in return for a fixed premium. Larger employers may elect to self-insure some or all of the risk.