Three ways to cover your crew.
You’ve got choices when it comes to benefits. The AFP Benefits Center make it simple by offering three healthcare paths — each built to keep you compliant with Amazon requirements while giving your team quality coverage.
OPTION 1
AFP Individual (ICHRA)
You fund. Your employees shop.
AFP Individual is an ICHRA (Individual Coverage Health Reimbursement Arrangement). You set a budget, and your employees use it to shop for their own coverage in our online marketplace.
AFP Individual is best for:
AFPs that can’t meet participation requirements for group plans.
Owners who want a flexible, budget-friendly option.
AFP Individual highlights:
- No minimum participation required.
- No underwriting needed.
- Simple pricing tied to number of employees participating.
- Employees can shop for coverage in all 50 states.
- Integrated options for dental, vision, life, disability, and 401(k).
- Fully compliant with Amazon requirements and ACA standards.
OPTION 2
AFP Preferred
Harness the power of numbers.
AFP Preferred pools the buying power of AFPs nationwide to bring down costs and broaden coverage.
AFP Preferred is best for:
AFPs with enough eligible employees to qualify for association-based programs.
Owners looking to save 15–30% per employee compared to traditional group or individual plans.
AFP Preferred highlights:
- Fully meets Amazon benefits compliance requirements.
- Menu of medical plans designed for Driver Associates.
- Options for dental, vision, and more.
OPTION 3
AFP Group
Traditional group insurance made easy.
We shop hundreds of national and regional carriers so you don’t have to. With AFP Group, you get access to quality, traditional plans for your full-time employees.
AFP Group is best for:
AFPs operators that want a familiar or traditional group plan structure.
Owners looking for broad plan options tailored to their team demographics and location.
AFP Group highlights:
- Compare plans from major carriers in all 50 states.
- More expansive coverage than individual insurance.
- Additional options like dental, vision, life, and disability.
- Usually requires 50% employee participation and basic health applications.
Compare plan options.
Not sure which plan is the best fit for your business?
We’ve laid out the key differences between the three programs to help you make the best choice.
| Feature | AFP Individual | AFP Preferred | AFP Group |
|---|---|---|---|
| Minimum # of Enrolled Employees | 2+ | 5–25+ (varies by option) | In most cases 2+ |
| Minimum Employee Participation Requirement | At least 1 employee | Varies by option (50%+ in general) | 50–75% of full-time eligible |
| Average Monthly Premium* | $450 | Generally 15–20% less than Individual & Group | $450 |
| Carrier (Health Insurer) Options | All individual insurers | UnitedHealthcare, Cigna, and others | State & national insurers (small group options) |
| Benefit Plan Options | All ACA-compliant products | All ACA-compliant products | All ACA-compliant products |
| Employer (ER) or Employee (EE) Decision | EE shops for individual health insurance | ER chooses 1–2 plans to offer EE | ER chooses 1–2 plans to offer EE |
| Employee Enrollment | Online shopping & enrollment | Online enrollment | Online enrollment |
| Who Pays? | EE pays, ER reimburses contribution | ER pays, ER deducts EE cost via payroll | ER pays, ER deducts EE cost via payroll |
| Dental, Vision, Other Options | Yes | Yes | Yes |
Why choose the AFP Benefits Center?
Get affordable, Amazon-compliant health solutions backed by the collective power of AFPs. We take care of compliance, administration, and renewals so you can focus on growing your business.
Explore All Solutions
Healthcare Solutions
Learn more about AFP Group, Individual and Preferred options
Compliance Services
Protect your business from risks and penalties
Voluntary Benefits
Give employees extra protection when they need it the most
Accessible Care
Provide seasonal employees with basic care for basic medical needs
Technology
Helpful HR solutions and tools needed to manage your employees
Be Well At Work (EAP)
Support your employees’ mental and emotional health