Employers Choice Health Plans

Quality benefits for employers with 2 or more employees

About ECHP

ECHP is a single employer self insured program that is a cost effective alternative to a traditional health insurance plan. ECHP has been designed to comply with all State and Federal statutes as they relate to single employer self insured plans. ECHP allows employers of all sizes to take advantage of benefits, and cost efficiencies which heretofore have only been available to larger companies.



ECHP Benefits
  • Very Competitive Cost
  • Multiple Plan Designs (including HDHP / HSA plans)
  • Quality Health Care
  • Extensive Provider Network
  • Over 1500 Benefit Plan Options
  • Professional Benefit Administration

About Self-Funding

Basically, under a traditional fully insured plan, the insurer keeps the profits if there are no medical claims or few claims. Under a self insured health plan, the employer receives all or part of the employer owned account when claims are below the account balance.

When claims exceed the employers account balance, the insurance company pays all eligible claims for the reminder of the calendar year.

Additionally, self-funded plans are not subject to many of the state mandates which drive up the cost of health care.