ASBA Introduces New Nationwide Healthcare Benefit for Members Through CBIZ Partnership

In a significant move to support Arizona’s small business community, the Arizona Small Business Association (ASBA) has launched a new healthcare member benefit in partnership with CapCare, the Membership Manager. This initiative offers a streamlined, cost-effective healthcare solution tailored specifically to meet the needs of entrepreneurs, small business owners, independent contractors, and sole proprietors throughout the state—and beyond.

The new Member Benefit Program leverages a national PPO network available across all 50 states, including Washington, D.C. and Puerto Rico. By focusing on accessibility, affordability, and flexibility, this program is designed to remove many of the barriers that small businesses and independent professionals often face when trying to secure quality health coverage.

Key Features That Set the Program Apart

This isn’t just another group health plan. ASBA’s Member Benefit Program offers a suite of unique features rarely available to small business groups, such as:

Nationwide PPO Network Access: Members can access in-network healthcare services across the country, offering greater flexibility for those who travel frequently or operate across state lines.

Set Monthly Rates with No Deductibles on Core Services: The program provides fully funded, first-dollar coverage on specific services, which means predictable costs and minimal out-of-pocket expenses for participants. Select services may include low copays instead of deductibles.

Simplified Enrollment Structure: The plan offers four-tier rating nationwide with no age-banding and no requirement for census data—making it ideal for businesses of any size, including sole proprietors and 1099 contractors.

Guaranteed Acceptance: There are no pre-existing condition exclusions, ensuring that all qualified ASBA members can participate, regardless of health history.

Large Group Pricing for Small Businesses: Thanks to the structure of the plan, participants benefit from competitive large-group pricing, providing value typically unavailable to smaller teams.

Concierge-Level Support: Members receive dedicated account access and responsive customer service via a user-friendly digital platform and a specialized concierge team.

How It Works

To access the benefit, ASBA members become Associate Members of Local 426, which grants eligibility for the full suite of health-related benefits. In addition to medical and prescription coverage, participants may receive life insurance, accident coverage, and access to educational resources.

For ASBA’s CEO, Debbie Hann, the new benefit underscores ASBA’s mission. “Our goal has always been to create more value for Arizona’s small business community. This healthcare offering is a direct response to what our members have told us they need—flexible, affordable coverage options that don't compromise quality,” said Hann.

Why This Matters for Small Business

Health insurance remains one of the top challenges for small business owners seeking to attract and retain talent while managing costs. Traditional plans often exclude sole proprietors or come with high premiums and limited flexibility. ASBA’s new benefit changes that equation, creating a viable, scalable solution for Arizona’s diverse business landscape.

With healthcare costs continuing to rise and employer expectations evolving, this offering could prove to be a game-changer for small businesses looking to offer competitive benefits without the administrative or financial burden of traditional insurance models.

Ready to Learn More?

Current ASBA members can log in today to receive a personalized proposal and explore how the plan fits their needs. Not yet a member? Now may be the perfect time to join ASBA and take advantage of this and other valuable business support offerings.

To learn more or request a proposal, visit www.asba.com and become a member today!