Help Your Clients Stay Ahead with

Pan-American Accident & Health

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As pandemic-era ACA subsidies expire in 2026, millions of Americans are losing eligibility or receiving reduced financial assistance for Marketplace coverage. That means more employees, especially hourly, part-time, and seasonal workers, are turning to employer-sponsored benefits for affordable access to care.

Pan-American Accident & Health offers cost-stable, compliance-aligned solutions that help brokers support clients facing these pressures.

ACA subsidies were designed to make Marketplace coverage affordable. With enhanced subsidies ending, Marketplace premiums are rising sharply, forcing many employees to explore employer plans--or out of coverage altogether. Pan-American Accident & Health provides benefit options that deliver preventive care, wellness care, sick care, and more at significantly lower out-of-pocket costs than most major medical plans. These plans help employers stay competitive while protecting their budgets.

Industries relying on variable-hour workforces face unique ACA compliance challenges. Shifting affordability thresholds mean more employees are seeking Marketplace options, increasing the risk of employer penalties. 

Our solutions help employers: 

• Meet ACA requirements affordably 
• Stabilize workforce planning 
• Attract and retain talent in high-turnover industries 

We offer customizable MEC plans, fixed indemnity options, short-term medical, and supplemental coverage tailored to non-traditional workforces.

Help your clients move forward with confidence:

• MEC Plans that do more than just meet ACA requirements 
• Access-Based Plan Designs (MEC + Fixed Indemnity) for enhanced affordability 
• Flexible, easy-issue solutions powered by Pan-American Accident & Health’s long-standing expertise

• Tailored benefits solutions for staffing, hospitality, retail, and other high turnover sectors 
• Predictable pricing to help offset premium pressure 
• Streamlined admin experience for brokers and employer groups 
• Fast, flexible plan deployments brokers can put in front of clients immediately

Major medical premiums are climbing, marketplace affordability is shrinking, and employers need new ways to keep coverage attainable. We’re here to help you introduce innovative, compliance-forward benefit strategies that meet today’s demands.

Set Up a Consultation!

Let’s build a smarter benefits strategy together.

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