 | Across the country—and right here in the Toledo region—small businesses and self-employed professionals are feeling the strain of rising health insurance costs. Premiums on the Affordable Care Act (ACA) marketplace continue to increase, and changes to federal subsidies are making coverage less predictable and, in many cases, significantly more expensive. Nearly half of adults with ACA marketplace coverage are small-business employees, owners, or self-employed individuals. |
For entrepreneurs, independent contractors, and small employers already managing tight margins, healthcare costs have become a growing challenge that impacts more than just the bottom line. That’s where a Chamber-supported solution can make a difference.
Why Small Businesses Need Another Option
Healthcare shouldn’t be a barrier to growth. Yet for many small employers and independent professionals, the individual marketplace often means navigating health insurance alone—without the purchasing power, stability, or flexibility larger organizations enjoy.
The COSE Benefit Plan: A Smarter Alternative
Through the Toledo Regional Chamber of Commerce, eligible members can access the COSE Benefit Plan, offered in partnership with Medical Mutual. Designed specifically for small businesses (with 1-50 employees) and self-employed individuals, the COSE Benefit Plan offers:
A Better Fit for How Small Businesses Actually Operate
For self-employed professionals—like realtors, consultants, and independent contractors—the COSE Benefit Plan can provide access to coverage that feels more like what larger employers offer, without having to navigate the ACA marketplace alone.
For small businesses, it can be a way to offer meaningful benefits to employees while maintaining greater control over costs and long-term planning.
The Chamber Advantage
At the Toledo Regional Chamber of Commerce, our role is to help businesses thrive. That means connecting members to solutions that reduce barriers, support workforce stability, and strengthen the region’s business climate.
Health insurance is one of the most complex—and important—decisions small businesses face. By partnering with trusted organizations like Medical Mutual and COSE, the Chamber helps create access to options designed with small employers in mind.
Learn More
If rising ACA premiums are impacting your business or your personal coverage as a self-employed professional, the COSE Benefit Plan may be worth exploring.
To learn more, connect with a licensed insurance broker or reach out to Jeff Lonsbrough, VP of Membership at [email protected] or 567.420.1234 to see whether the COSE Benefit Plan in partnership with Medical Mutual could be a fit for you.
Healthcare shouldn’t be a barrier to growth. Yet for many small employers and independent professionals, the individual marketplace often means navigating health insurance alone—without the purchasing power, stability, or flexibility larger organizations enjoy.
The COSE Benefit Plan: A Smarter Alternative
Through the Toledo Regional Chamber of Commerce, eligible members can access the COSE Benefit Plan, offered in partnership with Medical Mutual. Designed specifically for small businesses (with 1-50 employees) and self-employed individuals, the COSE Benefit Plan offers:
- Shared risk across many small employers, which can help control costs
- More predictable monthly expenses compared to individual ACA plans
- Access to comprehensive, ACA-compliant coverage
- Broad local provider networks, including doctors and hospitals trusted by Toledo-area residents
- Options for medical, dental, vision, life, and disability coverage
- Learn more here.
A Better Fit for How Small Businesses Actually Operate
For self-employed professionals—like realtors, consultants, and independent contractors—the COSE Benefit Plan can provide access to coverage that feels more like what larger employers offer, without having to navigate the ACA marketplace alone.
For small businesses, it can be a way to offer meaningful benefits to employees while maintaining greater control over costs and long-term planning.
The Chamber Advantage
At the Toledo Regional Chamber of Commerce, our role is to help businesses thrive. That means connecting members to solutions that reduce barriers, support workforce stability, and strengthen the region’s business climate.
Health insurance is one of the most complex—and important—decisions small businesses face. By partnering with trusted organizations like Medical Mutual and COSE, the Chamber helps create access to options designed with small employers in mind.
Learn More
If rising ACA premiums are impacting your business or your personal coverage as a self-employed professional, the COSE Benefit Plan may be worth exploring.
To learn more, connect with a licensed insurance broker or reach out to Jeff Lonsbrough, VP of Membership at [email protected] or 567.420.1234 to see whether the COSE Benefit Plan in partnership with Medical Mutual could be a fit for you.
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