Carolina HealthWorks
Medical, dental, and vision coverage at competitive rates for employers with 2 to 50 employees.
A New Health Insurance Option for Small Employers
2026 health insurance premiums have increased substantially over 2025 rates. On the ACA Healthcare Marketplace, individuals are seeing 30% increases on average, and employers purchasing small group insurance are seeing 15% increases .
Carolina HealthWorks, launched in November 2025, is a new health plan option for small businesses with 2-50 employees. CHW operates under a multiple employer welfare arrangement (MEWA) model, which allows businesses to share risk and access competitive rates and expanded benefits.
Carolina HealthWorks Partner Agencies
Is Carolina HealthWorks Right For Your Business?
Multiple employer welfare arrangements (MEWA) like Carolina HealthWorks spread risk across participating organizations, opening the door for small employers to access more competitive rates and better bargaining power than if they purchased insurance on their own. A wider risk pool often results in more competitive pricing across the entire MEWA. However, each employer’s rates will vary based on the demographics of their enrollees.
