Health Insurance Built Exclusively for NARFA Members

Your claims data drives your rates. Not community averages, not regional pools and not someone else’s problems.

ELIGIBILITY: Five or more vehicles on the road. Work trucks, vans, service rigs, trailers; any industry, any size. That’s it.

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Health Insurance For Businesses

Maximum file size: 516MB

REAL MEMBERS. REAL RESULTS.

$210,000 Saved

Car Dealership · 104 employees ·
annual savings

$14,000 Saved

Auto repair shop · 6 employees ·
annual savings

HSAs Fully Funded

Fuel company · 18 employees ·
funded via premium savings

 

Your numbers will be different. Let us show you what they look like.

Sound Familiar?

Renewal arrives. Rates went up again. The explanation? “It’s the market.” That answer costs you thousands every year. NARFA members get a different conversation; one built on their own claims data, real alternatives, and 95 years of industry expertise behind every decision. Love your current broker? Keep them. NARFA works alongside brokers. What changes is the program, the pricing, and the results.

The NARFA Difference

  • Your Experience. Your Rates. Most health insurance rates are built on geography. Your healthy workforce ends up subsidizing other companies’ problems. NARFA uses your actual claims history to determine your rates. Good years mean real savings.

  • Programs Not Available on the Open Market 500+ member locations and almost 100 years of negotiating for our members. The programs NARFA delivers can’t be found anywhere else, and it’s the reason members save millions.

  • Alternative Funding Strategies Fully insured isn’t your only option. Level funding lets you build surplus when claims run well and use it to offset future costs. We analyze every strategy available to find what works best for your business.

  • Built for Your Industry We’ve served our industries exclusively since 1929. Our programs reflect real workforce needs, not generic assumptions.

Plan Options That Fit Your Business

Fully Insured PPO Plans

National carrier networks and large-group rates through collective buying power. Maximum provider flexibility for employees spread across multiple locations.

High Deductible Health Plans with HSAs

Lower premiums, triple tax advantages allowing employees to build savings while employers reduce costs. A strategy that works for both sides.

Level Funded Health Plans

Fixed monthly costs with upside potential. When claims run favorably, you build surplus to offset future increases. Real control over your biggest variable expense.

Other Multiple Plan Options

Give employees real choice and attract skilled workers and retain the ones you’ve invested in.

Dental, EAP, Ancillary Benefits, and More

Better rates through our buying power. NARFA offers more when many are offering less.

The NARFA Benefit Center: Partnership That Goes Beyond Insurance

  • Real People. Real Answers. Call us and reach someone who knows your name, your business, and your employees.

  • We Show Up Your NARFA representative comes to your business for open enrollment. Face-to-face and every question is answered before it becomes a problem.

  • 365 Days of Strategy We’re analyzing your claims data in January, not just September. We take a year-long approach to employee benefits, not just at renewal time.

  • FREE COBRA Administration Complete compliance handling, at no additional cost. Done right, every time, so you can focus on running your business.

Health Insurance Made Easy

Testimonials

“From comprehensive health plans to seamless administrative support, NARFA has exceeded our expectations. Their dedication to addressing every concern has made a significant impact on our business.”

Andrew P., North Point Outdoors

“Making the switch to NARFA’s medical plan allowed us to lower employee costs, maintain premium coverage, and reduce overall company costs. We have 100% participation. It is one of the best moves our company ever made.”

Carolyn Clark Manchester, Carolyn's Transportation LLC

“NARFA has been an instrumental resource through many years of business. Everyone there is willing to go above and beyond what is expected from an association. I have never had a company work for me like they have in my many years in this industry.”

Matt Kranz, Longmeadow Garage

“Making the switch to NARFA allowed us to fund employee deductibles, lower costs, maintain premium coverage, and reduce overall company costs. We have 100% participation. It is one of the best moves our company ever made.”

Carolyn Clark, President, Carolyn's Transportation LLC, NARFA Board Member

“For more than 20 years we have trusted NARFA to provide the service and support we need. We have great medical plans that the NARFA team negotiates directly with the carrier. Programs we could never find on the open market.”

Chad Walier, Walier Chevrolet

Five Minutes. That’s All It Takes.

A census is a simple list of your employees’ names, dates of birth, zip codes, and dependents. Submit it, and within 24-48 hours, you’ll have real numbers based on YOUR workforce.

No commitment. No obligation. One conversation.

Health Insurance For Businesses

Maximum file size: 516MB

✓ 95+ Years Serving Your Industries ✓ 500+ Member Locations ✓ FREE COBRA Administration ✓ 24-48 Hour Quote Turnaround ✓ $0 Cost to Get Your Analysis

NARFA • National Automotive Roads Fuel Association • Exclusively Serving Your Industries Since 1929