A Modern Way to Support Worker Access to Individual Health CoverageWithout the Headache
TMH Group is a broker-enabled access and coordination platform that helps you offer employers a structured way to connect workers with a designated licensed enrollment partner for ACA Marketplace assistance.
TMH Group does not sell insurance, provide plan recommendations, enroll workers, or handle premiums.
Separated roles by design so brokers are not pulled into enrollment or premium administration.
Built for Brokers and General Agencies
If you advise employers on benefits strategy, TMH Group gives you a pre-built access & coordination model you can offer without creating insurance licensing conflicts or ERISA obligations on your part.
A Clean Model That Employers Understand
TMH Group is not insurance, not ICHRA, and not an HRA. It is a structured access & coordination platform that connects workers with licensed enrollment professionals for ACA Marketplace assistance. The employer arranges access. The worker owns the coverage.
Not insurance — no ERISA plan
Not ICHRA — no reimbursement mechanism
Not an HRA — no employer-funded claims
Separated Roles by Design
The platform works because responsibilities stay separated.
TMH Group (Platform)
Broker onboarding, class configuration, company-code routing, and coordination. TMH Group does not discuss plans, determine eligibility, enroll employees, or handle premiums.
Broker/GA
Services the employer relationship and onboards the employer to TMH Group. Brokers and GAs do not provide plan recommendations, do not enroll employees, and do not operate enrollment teams for this platform.
Designated Licensed Enrollment Partner
Provides employee education, plan comparison support, recommendations, and enrollment services. Enrollment and plan recommendations are performed only by this licensed partner.
Designated Administrator
Handles premium administration functions where applicable and provides administrative participation reporting outside of TMH Group.
Enrollment and plan recommendations are performed only by the designated licensed enrollment partner. TMH Group and brokers do not perform enrollment activities.
Broker FAQs
No. TMH Group is a platform that coordinates access and routing. It does not sell insurance.
A designated licensed enrollment partner provides education, plan comparison support, recommendations, and enrollment. Brokers and TMH Group do not.
No. TMH Group does not receive, transmit, or hold premiums. Premium payment occurs outside TMH Group.
No. The structure is designed to avoid group health plan sponsorship constructs.
Yes, when structured as taxable compensation and not conditioned on enrollment or tied to premium amounts.
No. Enrollment activity is centralized with the designated licensed enrollment partner.
No. The broker is not the Agent of Record for individual Marketplace coverage. Enrollment and plan selection are handled by the designated licensed enrollment partner.
Ready to Add a Cleaner Access Model for Your Employer Groups?
Partner with TMH Group to offer a structured access & coordination platform that keeps enrollment, plan recommendations, and premium handling outside your agency.
Important Disclosure
TMH Group is a platform access and coordination provider. TMH Group does not sell insurance, make plan recommendations, perform enrollment, or handle premiums. Coverage is employee-owned. Marketplace eligibility and any premium tax credit determination are made by the Marketplace and may vary by individual and state.