ACA Plans

ACA2

Minimum Essential Coverage (MEC), MEC+, and Minimum Value Plans (MVP)

PAI offers cost‑effective health coverage solutions specifically designed for temporary, part‑time, and variable‑hour employees who are not eligible for traditional major medical plans. 

These plans help employers meet ACA requirements while giving employees access to essential preventive care and expanded benefits where available.
 
 
Covered Preventive Health Services

All MEC plans must include preventive services mandated by the ACA. These services fall into three categories:

For Adults

For Women

For Children

NOTE: A Fixed Indemnity Medical plan must be offered in order to obtain stop loss coverage.

Minimum Essential Coverage (MEC) & MEC+ Plans

MEC Wellness and Preventive Benefit Plans provide an affordable alternative to high healthcare costs by covering the preventive services required under the Affordable Care Act (ACA). MEC+ plans include all MEC‑required preventive benefits plus additional healthcare services for a slightly higher monthly cost. These plans are ideal for employers seeking to offer meaningful coverage without the expense of major medical insurance.

ACA Plan
Large Group

Minimum Value Plans (MVP) — For Large Groups

Minimum Value Plans meet key employer and employee requirements under the ACA. Enrollment in an MVP helps employees satisfy the Individual Tax Mandate and provides coverage for all essential health benefits required by federal law. MVPs also include expanded benefits for doctor visits, prescriptions, and hospitalizations.
 

Note: An MVP must be offered alongside a Fixed Indemnity Medical Plan.