MODERN EMPLOYEE BENEFITS
The Future of Employer Health Benefits Starts Here
Smarter Healthcare Strategies for Employers and Brokers
ATMA PMF helps organizations take control of rising healthcare costs by combining modern benefit strategies like ICHRA, traditional insurance solutions, and a curated ecosystem of wellness and voluntary benefits.
• Control healthcare budgets with defined contribution strategies
• Offer employees more choice and flexibility
• Access innovative benefit solutions alongside traditional plans
• Partner with a modern General Agency built for the future of healthcare
30–50M
Employees expected to migrate from traditional group insurance
12–25%
Average annual renewal increases under traditional group plans
3
Step process from discovery to sustainable benefits
MODERN EMPLOYEE BENEFITS
The Future of Employer Health Benefits Starts Here
Smarter Healthcare Strategies for Employers and Brokers
ATMA PMF helps organizations take control of rising healthcare costs by combining modern benefit strategies like ICHRA, traditional insurance solutions, and a curated ecosystem of wellness and voluntary benefits.
• Control healthcare budgets with defined contribution strategies
• Offer employees more choice and flexibility
• Access innovative benefit solutions alongside traditional plans
• Partner with a modern General Agency built for the future of healthcare
30–50M
Employees expected to migrate from traditional group insurance
12–25%
Average annual renewal increases under traditional group plans
3
Step process from discovery to sustainable benefits
Benefits Transformation Journey
From Rising Costs to Sustainable Benefits
Healthcare is changing. ATMA PMF helps brokers and employers transition to a smarter benefits model that combines modern funding strategies, expanded employee choice, and a full ecosystem of solutions.
Step 1
Traditional Group Plans
The standard for decades — now becoming increasingly difficult to sustain.
✗ Annual renewal increases of 12–25%+
✗ Limited carrier & network options
✗ One-size-fits-all employee plans
✗ Unpredictable healthcare budgets
Step 2
ATMA PMF Strategy
We design the right strategy — ICHRA, hybrid, traditional, or level-funded.
✓ ICHRA defined contribution models
✓ Traditional group strategies
✓ Level-funded & hybrid models
✓ General Agency partnership
Step 3
Modern Benefits Ecosystem
Employers gain access to a comprehensive platform supporting employees at every level.
✓ Individual health plans via ICHRA
✓ Supplemental & voluntary benefits
✓ Direct Primary Care & telemedicine
✓ Rx savings & wellness programs
Why ATMA PMF
A Modern Platform Built for the Next Generation of Health Benefits
Most benefit platforms focus on a single solution. ATMA PMF takes a different approach — combining the best of traditional insurance with modern healthcare funding models.
Strategy Before Products
We evaluate every organization's unique needs and design the right strategy — not push a single plan.
A True Benefits Ecosystem
From medical coverage to DPC, telemedicine, Rx savings, and wellness — all under one strategy.
A General Agency for the Future
Product access, benefit design, implementation, enrollment, and ongoing optimization support.
ATMA PMF Advantage
Employers gain:
Predictable healthcare budgets
Greater flexibility in benefit design
Improved employee satisfaction
Brokers gain:
A strategic partner and General Agency
Access to innovative product solutions
New revenue opportunities and client retention
ATMA PMF Advantage
Strategic Benefit Solutions for Brokers and Employers
Employers
Take control of your healthcare budget. Design modern benefits strategies that provide predictable costs while supporting employee wellbeing.
Brokers
Expand your strategy. Partner with ATMA PMF to deliver innovative solutions, protect client relationships, and grow your revenue opportunities.
Agencies & Distribution Partners
Access our General Agency platform combining ICHRA, traditional benefits, supplemental products, and wellness solutions in one unified ecosystem.
The 30–50 Million Migration
A Historic Shift in Employer Health Benefits
Industry analysts increasingly believe that 30–50 million employees may transition away from traditional group insurance toward individual coverage models over the coming decade.
As millions of employees move toward new coverage models, ATMA PMF is helping brokers and employers lead the way.
30M+
Employees projected to migrate from group insurance
ICHRA
Employees projected to migrate from group insurance
$0
Minimum employer size for ICHRA eligibility
100%
Budget control — employers set the contribution amount
The Future of Health Benefits Is Already Here
ATMA PMF helps brokers and employers lead the transformation.
Helping organizations modernize healthcare benefits while empowering employees with meaningful coverage choices.
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