Navigating employee benefits doesn’t have to mean overhauling primary health insurance plans. As employee needs shift in 2025—rising out-of-pocket costs, recruitment challenges, and retention woes—employers need flexible, effective solutions.

That’s where supplemental health benefits come in. Supplemental health insurance plans offer an innovative way to:

Enhance coverage without altering the primary plan
Boost compensation with a tax-smart approach*
Provide flexible implementation starting any month

This guide breaks down how you can help your clients tackle benefit challenges in 2025 without the complexities of primary plan changes. Show them how to give more and pay less with a tailored benefit solution, designed to fill the gaps and meet employees where they are.

*This is not local, state or federal tax advice as each person and each company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.

ArmadaCare’s supplemental health insurance policies are underwritten by SiriusPoint America Insurance Company and Transamerica Life Insurance Company. Insurance plans and coverages vary by state. Please contact us to confirm state availability.

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