Health insurance is one of the biggest financial challenges facing small businesses today. Premiums continue to rise, options are limited, and many plans simply aren’t designed with entrepreneurs, independent contractors or sole proprietors in mind. Recognizing this growing concern, the Arizona Small Business Association has partnered with CapCare to introduce a new ASBA member healthcare benefit designed to make quality coverage more accessible and affordable for small business owners.
This partnership represents a major step toward solving a persistent problem: How can small businesses compete with large corporations when it comes to offering healthcare benefits?
A Smarter, More Affordable Approach
ASBA’s new healthcare member benefit leverages a national PPO network available across all 50 states, and including Washington, D.C., and Puerto Rico. The program is structured to prioritize affordability, accessibility and flexibility — three things small businesses often struggle to find in traditional health insurance plans.
Key features include:
- Nationwide PPO network access: Members can visit in-network providers anywhere in the U.S., making it ideal for businesses with remote teams or those who frequently travel.
- Predictable monthly costs: Set monthly rates with no deductibles on core services help members avoid surprise medical bills. Many common services are covered with low or no copays.
- Simple enrollment: The plan offers a four-tier rating with no age-banding or census data requirements, which means even sole proprietors and 1099 contractors can enroll easily.
- Guaranteed acceptance: There are no pre-existing condition exclusions, ensuring all ASBA members have equal access to coverage.
- Large-group pricing power: By pooling members together, ASBA is able to offer competitive, large-group pricing typically unavailable to small teams or individuals.
- Concierge support: A dedicated service team and intuitive digital platform provide personal assistance and account management.
Designed for Real Small Business Needs
Health insurance can easily become one of the largest expenses for small business owners — often costing thousands of dollars per employee each year. Traditional plans frequently exclude self-employed individuals or come with high deductibles that make care unaffordable.
ASBA’s new program addresses these pain points head-on. Members gain access to predictable costs, flexibility and comprehensive benefits that help attract and retain employees without breaking the bank.
Participants also receive additional benefits such as life insurance, accident coverage and educational resources through ASBA’s partnership with Local 426, which enables full eligibility for the health-related offerings.
A Mission to Support Small Business
For Debbie Hann, CEO of ASBA, this initiative is a reflection of the organization’s long-standing mission to create meaningful value for Arizona’s business community.
“Our members have consistently told us that affordable healthcare is one of their biggest challenges,” said Hann. “This program provides a solution—flexible, cost-effective coverage that doesn’t compromise quality.”
Why It Matters
With healthcare costs continuing to rise nationwide, ASBA’s new benefit offers a lifeline for small business owners who want to remain competitive while keeping expenses under control. It’s an opportunity for entrepreneurs to protect their teams, plan confidently and focus on what matters most: growing their businesses.
Learn More
ASBA members can log in today to request a personalized proposal and explore how this program fits their needs. Not yet a member? Now is the perfect time to join and take advantage of this new healthcare benefit, along with ASBA’s many other tools, resources and advocacy efforts designed to help small businesses thrive.
Visit www.asba.com to learn more or request a quote.
