For Employers

Take Control of Your Healthcare Budget

ATMA PMF helps employers design benefits strategies that provide predictable costs while offering meaningful, flexible coverage to every employee.

For Employers

Take Control of Your Healthcare Budget

ATMA PMF helps employers design benefits strategies that provide predictable costs while offering meaningful, flexible coverage to every employee.

The Problem

Healthcare Costs Continue to Rise

Employers are increasingly looking for solutions that provide predictable budgets while still offering meaningful benefits to employees.

Traditional group health plans, while standard for decades, are becoming increasingly difficult to sustain. ATMA PMF offers a path forward.

Get An Employer Evaluation

Common Challenges with Traditional Plans

Annual renewal increases of 12–25%+

One of the largest and least predictable business expenses

Limited carrier and network options

Employees forced into plans that don't fit their needs

One-size-fits-all plan design

No flexibility for diverse workforces or life situations

Participation requirements

Exclude some employees and add administrative complexity

Employer Solutions

Benefits Strategies Built for Your Business

ATMA PMF helps employers design benefits strategies that may include any combination of the following approaches.

ICHRA & Defined Contribution

Set a defined monthly allowance for employees to purchase the individual health plan that best fits their needs. Full budget control, maximum employee flexibility.

Traditional Group Insurance

When a group plan is the right fit, ATMA PMF helps employers optimize their strategy for cost and coverage — with renewal planning and ongoing support.

Hybrid Benefit Models

When a group plan is the right fit, ATMA PMF helps employers optimize their strategy for cost and coverage — with renewal planning and ongoing support.

Wellness & Healthcare Access

Direct Primary Care, telemedicine, mental health services, Rx savings programs, and preventative wellness initiatives.

Supplemental & Voluntary Benefits

Accident, Critical Illness, Hospital Indemnity, gap coverage, and worksite benefits that round out any core benefits strategy.

Cost-Control Strategies

Level-funded plans, reference-based pricing, and other innovative approaches to managing healthcare costs while maintaining quality coverage.

Why ICHRA

Why Businesses Are Making the Shift

Across the U.S., employers are increasingly moving away from traditional group health plans. Industry projections suggest tens of millions of employees may transition to individual coverage models in the coming years.

ATMA PMF helps employers make that transition confidently — with expert guidance, full implementation support, and a comprehensive benefits ecosystem.