Why Small Businesses in Ohio, Kentucky, and Indiana Are Switching to MEWA Plans in 2025
- sam84347
- May 16
- 2 min read
Updated: Aug 11
As health insurance premiums continue to rise, small businesses in Ohio, Kentucky, and Indiana are searching for smarter, more cost-effective solutions. That’s where MEWA health plans come in.
A MEWA (Multiple Employer Welfare Arrangement) allows small businesses to join together and access group health insurance – offering lower rates, better benefits, and more flexibility than traditional ACA plans.
In 2025, MEWA plans are quickly becoming the preferred health insurance solution for companies with 1 to 50 employees.
What Exactly is a MEWA Plan?
A MEWA pools small businesses together so they can share risk and access group health benefits typically reserved for large employers. With MEWA Medical Plans, each company is individually underwritten – so if your team is generally healthy, you could see substantial savings compared to ACA plans.
Can MEWA plans really save my business money in 2025?
Yes - many businesses are seeing up to 50% savings on monthly premiums through MEWAs, because the rates are medically underwritten and reflect the health of your enrolling census. On the other hand, group ACA plans are not medically underwritten. Their rates are based on factors like age and location, not the actual health of employees and dependents. In a time when inflation continues to affect overhead, reducing health insurance costs is one of the biggest wins for small business owners.
With a MEWA, you're also getting:
Access to broader provider networks
More flexible plan options
Lower out-of-pocket costs for employees
Competitive benefits to attract and retain top talent
Why Ohio, Kentucky, and Indiana Are a Perfect Fit
Wilson Insurance offers MEWA Medical Plans purpose-built for small businesses in Ohio, Kentucky, and Indiana – three states where MEWAs thrive and deliver exceptional value.
From Cincinnati to Louisville to Indianapolis, small businesses in the Midwest are using MEWAs to stay competitive in today's hiring market by offering real benefits without high costs.
Who Qualifies for a MEWA Plan?
If you have at least one full-time employee, you may qualify for a MEWA plan. These are perfect for:
Family-owned businesses
Startups and growing small businesses
Professional Services (law, accounting, consulting, etc.)
Restaurants and hospitality businesses
Construction and skilled trades companies
Retail shops and boutiques
Almost all small businesses can qualify! MEWAs are often more accessible and flexible than traditional group health plans offered under the ACA.
Who Can Help You Choose the Right MEWA?
Finding the right MEWA plan doesn’t have to be complicated. At Wilson Insurance, our licensed brokers specialize in helping small businesses in Ohio, Kentucky, and Indiana navigate their options.
We'll walk you through:
Whether your business qualifies
What kind of savings you could see
Which provider networks and plans fit your needs
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