The Missing Piece in Your Retirement Benefits Package
Offer your retirees a group Medicare health plan at absolutely zero cost to your company — backed by Medicare, fully managed by licensed experts.
- $0 employer cost
- Available in all 50 states
- Fully managed for HR
See How Employers Are Adding a Zero-Cost Medicare Benefit in Under 15 Minutes
Jason Mackey walks you through exactly how the Group Medicare MSA plan works, why it costs employers nothing, and what it means for your retirees — in plain English.
The Gap No One Talks About
Most companies offer a 401(k), but very few provide retiree Medicare plans. As a result, retirees are often left confused and underserved — turning to HR for answers they’re not licensed to provide.
Retirees aged 65+ are left to navigate Medicare alone
The Medicare system is complex. Without guidance, retirees overpay or choose the wrong coverage.
HR fields Medicare questions they can’t legally answer
Liability exposure grows every time HR advises on Medicare — even informally.
Group Medicare plans consistently deliver better value
Group Medicare plans consistently deliver better value than individual Medicare plans.
A Group Medicare MSA Plan — Only Available Through Employers
The Medicare Blueprint plan is a group retiree health plan funded entirely by Medicare. There is no cost to the employer, no monthly premiums for retirees, and it comes with an annual Medicare deposit directly into each retiree’s health savings account.
$0 employer costNavigate Medicare Confidently
Retirees 65+ get expert guidance through every Medicare decision.
Lower Retiree Healthcare Costs
Group plan economics deliver better value than individual coverage.
Remove Medicare Liability from HR
All Medicare questions and guidance handled by licensed professionals.
Protect Employer Reputation
Build lasting goodwill with the people who helped build your company.
How the Program Works
- 01
Employer Introduction
You introduce the program as an optional retiree benefit. A single communication to your retirees. That’s your entire role.
- 02
Retiree Education
We explain Medicare options in plain English — no jargon, no pressure, no HR involvement required.
- 03
Enrollment Support
Retirees choose the coverage that fits their needs, guided by licensed Medicare experts.
- 04
Ongoing Service
We become the permanent point of contact for all retiree Medicare questions and service needs.
After the introduction, your team steps out entirely. We take full responsibility from there — for every retiree, every question, every year.
What This Means for Your Organization
Zero Cost to the Employer
No premiums. No subsidies. No future financial exposure. Group MSA plans are $0 for the employer — cost is fully covered by Medicare.
No Legal or Compliance Risk
All education and enrollment handled by licensed Medicare professionals. Most Group MSA plans are not subject to ERISA. HR stays protected.
Completely Hands-Off for HR
We handle retiree questions, enrollments, and ongoing support. Your team introduces the program — then steps out entirely.
Fewer Complaints, More Confidence
Retirees get clarity instead of confusion. $0 monthly premiums by law, annual deposits from Medicare, and access to any Medicare provider nationwide.
Stronger Employer Brand
You’re seen as a company that supports employees even after retirement. Current employees gain peace of mind about their own future.
Available Nationwide, Year-Round
Available in all 50 states plus D.C. Retirees can enroll any month of the year — no waiting for open enrollment.
The Numbers Are Simple
Of most workforces are retirees aged 65+ eligible for this benefit.
Employer cost. No premiums, subsidies, or long-term financial liability.
Same plan designs available across all U.S. counties plus D.C.
Retirees can enroll year-round. No open enrollment window required.
Example: A company with 1,000 employees typically has ~150 retirees aged 65+. Offering this plan costs the employer $0 — while providing each retiree a better plan than they could find on their own.
“Doing the right thing doesn’t have to cost more. In this case, it costs nothing.”
Backed by the Authors of the Definitive Guide
Jason Mackey and his co-authors wrote the book — literally — on Group Medicare MSA plans. Their books have helped hundreds of employers and thousands of retirees find clarity in an otherwise confusing Medicare landscape.
Common Questions from Employers
Is participation mandatory for retirees?
No. This is entirely voluntary. Retirees choose whether or not to participate. There are no participation minimums or requirements.
Does this replace our existing benefits?
No. It complements your retirement and offboarding process. There is no change whatsoever to your current group benefits.
Does HR have to give Medicare advice?
Absolutely not. All guidance, education, and enrollment support is handled externally by licensed Medicare professionals. HR’s only role is a single introduction.
Will HR get more calls from retirees?
The opposite. We become the retiree’s permanent point of contact for all Medicare questions and service issues, taking that burden entirely off your team.
Is there a long-term commitment?
No employer lock-in, no financial obligation. You can discontinue the program at any time.
We’ve never offered retiree benefits — can we still do this?
Yes. Group MSA plans are a great way to offer a meaningful Medicare group benefit for the first time — at zero cost.
What if we have retirees in multiple states?
No issue. The plan is available in all 50 states plus D.C. with consistent plan designs across all counties.
This Is a Good Fit If You:
- Have retirees or former employees aged 65+
- Want a voluntary, zero-cost retiree benefit
- Care about employer brand and long-term goodwill
- Don’t want HR fielding Medicare questions
- Want current employees to feel secure about their future healthcare
- Have never offered a retiree Medicare benefit before
This Is NOT a Fit If You:
- Want to directly subsidize retiree premiums
- Expect HR to handle Medicare guidance internally
- Prefer to leave retirees entirely on their own
- Are looking for a short-term or one-time solution
Let’s Find the Right Coverage — Together
Tell us a little about what you need. A licensed advisor will follow up, answer your questions, and put together options — at no cost to you.
- How the employer-sponsored retiree plan works
- What it means for your retirees and current employees
- How HR and leadership stay fully protected
- Whether it’s a genuine fit for your organization
Support your retirees. Protect your team. Avoid unnecessary cost. That’s the Medicare Blueprint approach.
Benefits Horizon is an independent licensed Medicare advisory firm. This page is for informational purposes only and does not constitute legal, financial, or medical advice.