Run your company, not a health plan.
Malta replaces your broker with a team that runs your benefits all year. We handle the carriers, enrollment and new hires, and prepare the filings you hand us, while the Malta Concierge answers your employees' questions. You only hear from us when there's a decision to make.
- 3 new hires enrolled in their first weekEmployee · Jan
- Plan year started, 118 of 125 enrolledRenewal · Jan
What a year with Malta looks like.
We handle the renewal, enrollment and the changes in between, and the Malta Concierge takes care of your employees, from finding a doctor to fixing a bill.
The right plan changes as your company grows.
We look at your options again at each turn, from your first hire to leaving a PEO or self-funding, and handle the move when it makes sense.
- Individual plan (open at this size)
- QSEHRA (not at this size)
- Small-group plan (not at this size)
- ICHRA (not at this size)
- PEO plan (not at this size)
- Level-funded plan (not at this size)
- Large-group plan (not at this size)
- Self-funded with stop-loss (not at this size)
Cover the founders first.
A group plan usually needs at least one employee who isn't an owner or an owner's spouse, so founders buy an individual plan or stay on a spouse's. We find the right one and set up what you'll need for your first offer.
Plans for founders and individualsSwitching to Malta takes four steps.
Send us what you have today, and we handle the rest, from the quotes and the paperwork to the move off your current broker.
- Plan summary.pdfReceived
- Employee list.xlsxReceived
- Last renewal letter.pdfReceived
- Day 1Your documents
- Plan summary.pdfReceived
- Employee list.xlsxReceived
- Last renewal letter.pdfReceived
Send us your current benefits.
Share your plan summary and a list of who's enrolled. A spreadsheet or a payroll export is fine.
- Same day to 2 weeksQuotesQuotingCarriers quoted0
We quote the plans available to you.
We quote every carrier and plan type available to your company, and show you what each one would cost before you decide.
- Your reviewExample optionsRenewal as offeredYour carrier, up 14%$52,400/moRecommendedComparable benefits, national network, 2-year rate guarantee$46,900/mo
We bring you options and a recommendation.
We walk you through each option and what it costs, recommend one, and you make the call.
- SignedBroker of record letterMalta is your brokerSigned
We take over from your broker.
You sign a broker of record letter that names Malta as your broker, and from then on the carriers, renewals and employee questions come to us.
FAQs
What employers ask before they switch.
When your company enrolls in a plan through Malta, the insurer pays us a commission, just like any other broker. You pay the same premium you would pay buying directly from the insurer. For self-funded and ICHRA plans, we clearly disclose any fees before you sign.
Malta is your outsourced benefits team, so we run the plan all year: enrollment, new hires, departures, compliance filings and your team's questions. If your broker already does all of that, stay.
Your part is a call with our team, your plan summary and a list of who's enrolled, and a signature on the broker of record letter. We handle the carriers, the paperwork and enrollment, and time the move to your renewal.
They talk to the Malta Concierge, which finds doctors, books visits, sorts out bills and answers plan questions, so none of it lands on you or your office manager.
We work with companies from the first hire onward. A group plan usually needs at least one employee who isn't an owner or an owner's spouse, so until then we help founders with individual plans, and as you grow we run the numbers again whenever the right structure might change.
Run your company. We'll run your benefits.
Send us your renewal or tell us what you offer today, and we'll come back with the options that fit and take it from there.