The COSE Benefit Plan:
Looking Out for Your
Small Business

Health Plans

Medical Mutual and COSE partner to offer big benefits no matter how small your business may be. The COSE Benefit Plan provides access to benefits and programs that help your employees along their health journey while you keep your business running.

Specialty Products

Offer a fully integrated benefits package to your employees by adding Dental, Vision, Life & Disability coverage and more to your plan. Help ensure your employees needs are taken care of no matter what.

Wellness Programs

Because a healthy workplace is a happy and productive workplace, our wellness programs are designed to provide health information and engagement opportunities to help your employees achieve their healthy living goals.

Join the COSE Benefit Plan

Join more than 7,500 small businesses who save on health benefits. Medical Mutual partners with the Council of Smaller Enterprises (COSE) and affiliate chambers to offer you the COSE Benefit Plan, also known as the COSE multiple employer welfare arrangement (MEWA). This is a self-funded benefit option that helps small business employers and their employees manage the increasing cost of healthcare benefits, while providing the same great health benefits that large corporations offer.

Download Our Brochure

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What the COSE Benefit Plan Offers

  • Coverage for businesses with 50 or fewer employees, including business owners with no employees
  • Various plan options, including traditional copay plans and high deductible plans
  • Potential cost savings - self-funded plans are not subject to some ACA-mandated taxes, fees and benefits, and your good health can be reflected in lower premiums
  • Stop-loss coverage to provide additional protection from large financial losses
  • Prescription drug benefits with all plans
  • A suite of wellness programs designed to promote healthy behaviors
  • Medical Mutual's local customer care team, available through phone or email nearly every day of the week

Bundle with Specialty Products

To help cover all your employees’ benefit needs, we provide a variety of specialty products, too. With access to local Sales and Customer Service teams, we make it easy to offer a fully integrated benefits package to your employees. Our offerings include:

  • Dental
  • Vision
  • Life & Disability
  • Accident, Critical Illness and Hospital Indemnity
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How to Sign-up

If you qualify for the COSE Benefit Plan, you must join COSE and/or one of the affiliate chamber partners before officially enrolling in the plan:

If interested, please contact your broker or request an online quote.

Request Quote