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Frequently Asked Questions

Affordable Healthcare Services from HomePort
Affordable Healthcare Services from HomePort

You have Questions. We have Answers.

Let's face it, healthcare is confusing. You have questions. That's understandable and it is also good, because that means you are taking your healthcare seriously.

Starting below are the questions we are frequently asked. Simply select the question and you will see our answer. If you have any question that is not answered here, please enter your question in the space provided.

Affordable Healthcare Services from HomePort

Healthcare Plan Question

Please click on the question you have to get your answer

1 Can I offer CHP plans along with my Group plan?

Answer: Yes. Let your employees choose which is best for them.

2 Can I offer CHP to non-full time employees?

Answer: Yes. Even to 1099s, part-timers and volunteers

3 Can I subsidize the CHP plan for my employees?

Answer: Yes. Call for details.

4 Does my employee lose coverage if they leave the company?

Answer: No. CHP is completely portable and there is no need for COBRA. The employee would lose your subsidy, but not their policy or their Pool Credits.

5 Is there an “Open-Enrollment” requirement?

Answer: No. Any employee or other affiliate of your company can “Opt-In” or “Opt-Out” at any time.

6 Can my employee get the benefit of an HSA with any CHP Plan.

Answer: Yes and No. CHP is not a qualified plan to allow setting-up an HSA with a bank. However, we can do one better. Your employee can get the tax benefit like an HSA when using CHP. And there are no deposit cap or medical limitations as with HSAs. Call for details.

7 Can my employees use any doctor?

Answer: Yes. There are no “In-Network” or “Out of Network” limitations.

8 Can CHP be used with a Group plan to lower my employees' deductible and other Out-of-Pocket costs.

Answer: Yes. Call for details.

9 Do I have to pay an employee subsidy to offer CHP.

Answer: No

10 Do CHP plans qualify so I don't have to pay an ACA Penalty Tax.

Answer: Under ERISA, a CHP plan is considered an Employee Welfare Benefits Program. As such, any CHP plan should be exempt from the tax. However, we have no idea what the feds will ultimately decide. The current administration appears to want to do away with such mandates and taxes.

11 Why are the CHP plans so much less expensive than a Group plan.

Answer: CHP doesn't incur the costs or legal requirements insurance companies incur. Not to mention the staffing, expensive salaries and profits of insurance companies.

You can view more frequently asked questions from individuals and families here: