Group Medicare MSA
Reduce benefit burden
Shift risk and costs away from your organization by offering your Medicare-eligible members a new choice — an MSA plan. You reduce cost and risk without transferring the burden to your beneficiaries. It's a win-win you can feel good about.
For employers & sponsors
Why sponsoring an MSA makes sense
Here's why leading organizations choose to sponsor Group Medicare MSA plans for their eligible members.
$0 Cost to Offer
No upfront cost and no ongoing costs tied to medical risk or utilization — Medicare helps fund the plan.
No ERISA Exposure
These plans are not subject to ERISA, and enrollment and renewals require minimal effort on your part.
Available in All States
The same plans are accessible nationwide — great for geographically diverse employee or member populations.
Complements Existing Benefits
It doesn't have to replace the current medical benefits you already offer — introduce the MSA alongside your current benefits, since it's a voluntary benefit you can offer to your regular employees anyway.
Contribute if You Want To
Options are available for organizations that want to make contributions toward member costs — your choice.
Trusted by chambers & associations
Join the organizations already offering this benefit to their members.
What is ERISA?
In short: it's the federal law behind most employer benefit plans — and one your Group MSA is generally free of.
ERISA (the Employee Retirement Income Security Act of 1974) sets minimum standards for most private-industry retirement and health plans, protecting participants' assets and their right to clear information. Because Group MSA plans generally aren't subject to ERISA, the compliance burden on sponsors is significantly reduced.
Who can sponsor
Group Medicare MSA
Eligible employment-related groups
- Any size commercial business, including groups of 1
- Professional employment organizations (PEOs)
- Unions
- Local, state, and federal government
- Employment-related associations and chambers of commerce
Consider these types of groups:
- Groups offering Health Savings Account (HSA) plans
- Groups offering spendy MA or Medicare Supplement plans
Broad eligibility
CMS authorizes Group MSAs for employment-related groups across many industries and organization types.
You set the rules
Each group defines its eligible beneficiaries through its own HR policies — from the employee only to spouses and dependents.
Two simple requirements
To enroll, a person must be an eligible member of your group and eligible for Medicare.
Minimal legal burden
Most Group MSA plans aren't subject to ERISA, cutting administrative and legal complexity for sponsors.
Are you self-employed? You qualify too.
A self-employed individual is considered a group of one, which means you can sponsor and enroll in an MSA plan just like any other employer — with access to all available plans, including those designed for the self-employed.
Note for small businesses
If you are not self-employed, a small business may have access to the standard plan options (the Standard 200 or 300 plans) rather than the full range. Ask Donal to confirm which plans are available for your group.
Plan comparison
An MSA is better for your Medicare-eligibles
See how a Group Medicare MSA stacks up against the alternatives your members may be using today.
| Feature | Recommended Medicare Advantage Group MSA | Company Plan | Other Medicare Advantage | Medicare Supplement |
|---|---|---|---|---|
| $0 premium | ||||
| Annual deposit of money from Medicare | ||||
| Access to any Medicare-participating provider | ||||
| No additional prior authorization or referrals | ||||
| Financial support programs and tax advantages |
Are you self-employed? You qualify too.
A self-employed individual is considered a group of one, granting access to all plans — including those designed for the self-employed. If you are not self-employed, a small business may instead have access to the standard 200 or 300 plans. See plans for the self-employed.
No experience needed
We educate you first
Donal Smith personally walks sponsoring employers through how Medicare and MSA plans work — so you feel confident and informed before making the plan available to your group members. He can also educate your members directly as part of the rollout.
Getting started
Your next step
We make it easy. Most sponsors are set up and ready to go in just a few minutes.
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Step 1
Complete a Simple Form
Fill out a brief authorization form to approve your sponsorship of the plan. It takes about 5–7 minutes.
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Step 2
Get Educated
Donal walks you through how Medicare and MSA plans work so you can confidently answer questions from your members.
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Step 3
Reach Your Members
We build a marketing and outreach plan together to let your eligible members know this benefit is available.
For employers, chambers & associations
Have questions or ready to get started?
Contact Donal Smith directly. He'll walk you through everything so you have all the information you need — no pressure, no obligation. Sponsorship is free and signing up takes about 5 minutes.