Group Benefits for Associations & Trade Organizations
Give Your Members
Benefits That Rival
Fortune 500 Companies
JS Benefits Group partners with professional and trade associations to deliver affordable, comprehensive group health benefits — giving your members access to coverage they could never find on their own.
★ Available for as few as 2 employees
★ 30+ carriers shopped for your members
★ Free to partner — no cost to the association
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30+
Insurance Carriers
We shop more than 30 top national carriers to find the best plan design and pricing exclusively for your association members.
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2-199
Insurance Carriers
Plans available for member organizations with as few as 2 employees up to 199 — the sweet spot where association buying power makes the biggest difference.
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$0
COST TO THE ASSOCIATION
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1
Dedicated Point of Contact
Every association partner gets a dedicated JS Benefits Group account manager — one person who knows your members and handles everything.
- Large-Group Buying Power
- No Cost to the Association
- Major Medical + Dental + Vision
- ACA & COBRA Compliance Included
- Full Member Education & Advocacy
Association Types We Partner With
Built for Every Type of Association
From trade groups to chambers of commerce, we design group health benefit programs for any association whose members include employers and their workers.
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Trade Associations
Plumbing, HVAC, electrical, construction, manufacturing — any trade association whose members employ workers who need quality, affordable health coverage.
e.g. PHCC
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Professional Associations
Attorneys, accountants, engineers, healthcare professionals, architects — professional associations where member firms compete for talent and need competitive benefits.
e.g. Bar Associations, CPA Societies
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Chambers of Commerce
Local and regional chambers seeking to deliver tangible member value beyond networking events. A group health benefit program is one of the highest-value perks a chamber can offer.
e.g. Bucks County Chamber
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Industry Groups & Guilds
Retailers, restaurants, nonprofits, real estate, agriculture — any industry group whose small-business members struggle to access affordable group health coverage individually.
e.g. Restaurant Associations
The Problem We Solve
Your Members Are Overpaying — or Going Without
Small businesses buying health insurance individually face a brutal reality: they pay the highest rates, get the fewest options, and have no negotiating leverage. A sole proprietor or 5-person shop simply cannot access the group pricing that a 500-person company gets automatically.
That’s where your association comes in. When JS Benefits Group aggregates your members into a purchasing group, everyone benefits from collective buying power — lower premiums, more plan options, and the same caliber of coverage large employers offer.
7–8%
Average annual premium increase for individual small-group buyers in 2025
42%
Small firms now exploring alternative plan types to control costs (KFF 2025)
60%
Of employees say benefits are a major factor in job acceptance decisions
$0
Cost to your association to offer this program to members
Simple Process
How the Partnership Works
From first conversation to member enrollment — here’s how JS Benefits Group builds and manages your association’s benefit program.
Free Consultation
We meet with your association leadership to understand your member base — industries, company sizes, geographic spread, and current benefit challenges.
No cost, no commitmentCustom Program Design
JS Benefits Group designs a benefit program tailored to your members — shopping 30+ carriers to find the right plan options at association-negotiated pricing.
~2–3 weeksMember Launch
We handle all member communications, enrollment support, education sessions, and onboarding — so your staff doesn't carry the administrative burden.
Full launch supportOngoing Management
Dedicated account management year-round — renewals, compliance updates, member questions, claims issues, and annual plan optimization for each member firm.
Year-round supportComprehensive Coverage
Everything Your Members Need to Compete
Association member plans include the same comprehensive coverage large employers offer — designed to help your members attract and retain top talent.
Major Medical Plans
- Primary care, specialist, and urgent care visits
- Hospital stays and surgical procedures
- Emergency room coverage
- 24/7 virtual care / telemedicine
- Behavioral health and mental health therapy
- Preventive care at 100% (ACA compliant)
- PPO, HMO, HDHP, and Level-Funded options
Dental & Vision Plans
- Preventive care: cleanings, exams, X-rays
- Basic restorative: fillings, extractions
- Major services: crowns, root canals, bridges
- Orthodontia coverage available
- Eye exams, frames, and contact lenses
- Extensive national provider networks
- Bundle with medical for combined savings
Compliance & Administration
- ACA employer mandate compliance
- COBRA administration and notices
- ERISA plan document support
- Annual enrollment support and communication
- Employee education and benefits advocacy
- 24/7 HR and compliance online portal access
- Dedicated account manager for every member
Why JS Benefits Group
What Makes Us the Right Partner for Your Association
Plenty of brokers will tell you they can handle association benefits. Few have the 30+ years of carrier relationships, the dedicated account team infrastructure, and the track record of actually launching and sustaining programs that keep members enrolled year after year.
30+ Carrier Relationships
We negotiate directly with more than 30 of the nation's top insurance carriers — giving your members more options and better pricing than any single-carrier association program.
Full-Service, Not Just a Quote
We create, launch, and manage your benefit program end-to-end. Enrollment support, member education, compliance, renewals, and ongoing advocacy — all included at no cost to your association.
Compliance Expertise Built In
ACA, COBRA, ERISA, state mandates — our team keeps every member's plan compliant without requiring your association staff to become benefits experts.
Member Retention Through Value
When your association delivers real, tangible savings on healthcare, membership retention goes up. JS Benefits Group turns your benefit program into a reason to stay in the association.
30+
Years of employee benefits expertise
30+
Top carriers in our network
1,200+
Employers already served
2–199
Employee groups served
$0
Cost to the association to partner
All 50
States — nationwide programs available
Live Partnership
Our Partnership with PHCC
JS Benefits Group is proud to be the exclusive health benefits partner for the Plumbing-Heating-Cooling Contractors Association (PHCC) in Pennsylvania. This partnership is a model for what a successful association benefit program looks like in practice.
PHCC members — small contractors in the trades who historically had little access to quality group health coverage — now have access to discounted group pricing on major medical, dental, and vision plans negotiated exclusively for their association.
- Available to PHCC member organizations with 2–199 employees
- Discounted group pricing negotiated exclusively for PHCC members
- Major medical, dental, and vision plan options
- Full compliance support — ACA, COBRA, ERISA
- Dedicated JS Benefits Group contact for all PHCC member questions
PHCC Partnership at a Glance
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Who It's For
Plumbing, Heating & Cooling Contractors (PHCC members & member organizations)
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Eligible Group Size
As few as 2 employees, as many as 199 — including owners and their families
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Coverage Types
Major medical, dental, vision — bundled or standalone
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Carriers Available
Multiple national carriers — full market comparison for every member group
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Compliance
ACA, COBRA, ERISA — fully managed by JS Benefits Group
Partnership Options
Choose the Right Partnership Level for Your Association
Whether you’re a small local trade group or a large statewide professional association, JS Benefits Group has a partnership structure that fits your member base and your goals.
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Starter Partnership
Best for associations with 10–50 member companies
- Full carrier market analysis for member base
- 1–3 recommended plan options per member
- Group enrollment support and communication
- ACA and COBRA compliance included
- Annual renewal management
- Dedicated JS Benefits account manager
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Most Popular
Growth Partnership
Best for associations with 50–200 member companies
- Everything in Starter, plus:
- Full market analysis — all 30+ carriers
- Custom branded member benefit portal
- Quarterly member webinars & education sessions
- Level-funded and self-funded options available
- Member wellness program options
- SHRM/HRCI credit webinars for HR contacts
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Enterprise Partnership
Best for statewide or national associations with 200+ member companies
- Everything in Growth, plus:
- Multi-state program design & compliance
- Custom association health plan (AHP) evaluation
- Dedicated team — multiple account managers
- Aggregate claims data & annual cost reports
- Conference, expo & event representation
- Co-branded marketing and outreach materials
Your Association Benefits Team
The People Who Build & Manage Your Program
When you partner with JS Benefits Group, you get a dedicated team — not a call center. These are the people your association and your members will work with.
Jennifer Schaefer
Founder & CEO
30+ years of employee benefits expertise. Jennifer leads every new association partnership personally, designing the program structure and ensuring it delivers real value to members.
- SHRM-SCP
- MBA
- CLU
- CHFC
- RHU
- REBC
Bill Capece
Director of Business Development
Bill is JS Benefits Group’s primary point of contact for association members and member organizations. He manages day-to-day relationship, enrollment, compliance, and ongoing member support for all association partners including PHCC.
- CFP®
- SHRM-CP
- CCWS™
What Association Members Say
Real Results from Real Member Organizations
Association members across trades, professional services, and nonprofits who now offer competitive benefits through the JS Benefits Group partnership program.
★★★★★
“
Before the PHCC partnership with JS Benefits, I couldn’t afford to offer my employees any health insurance. Now my 8-person crew has a real benefits package — medical, dental, vision — at rates I never would have found on my own. It’s changed how I recruit.
Mike D.
PHCC Member · Plumbing Contractor · Bucks County, PA
★★★★★
“
The biggest membership benefit we’ve ever offered. Our members were telling us they couldn’t find affordable coverage — now they call to tell us the group rates saved them thousands. Jennifer’s team handled the entire launch with almost no work on our end.
Teresa L.
Executive Director · Trade Association · Philadelphia Region
★★★★★
“
Our association had tried to offer a benefit program twice before and it fell apart both times. JS Benefits Group is different — they do the heavy lifting. Enrollment, compliance, renewals, member questions. We promote it; they run it. Membership retention has noticeably improved.
Robert K.
President · Professional Association · New Jersey
Common Questions
Association Benefits FAQs
Start the Conversation
Let's Build Your
Association Benefit Program
Tell us about your association and we’ll design a custom benefits program proposal — showing your members what coverage they can access and what it will cost. No obligation, no cost to the association.
- No cost to your association — ever
- Available for associations with 5 or more member companies
- 2–199 employees per member organization
- Full program design within 2 weeks
- Major medical, dental, vision, and more
- PA, NJ, DE, MD, NY and nationwide
- We handle launch, enrollment, and ongoing management
Already a PHCC Member?
Visit the PHCC Health Plan page for your specific plans, pricing, and enrollment information.
📄 Request Association Benefits Proposal
We respond promptly with initial program options for your member base.
