WHC is a “Must Have” for Unions & Trade Associations
Attn: Management & Board of Directors
We’d Like to Join Your Association
To Begin: Please read the “Table of Contents” that follows the Action Buttons.
Next: Click the “Action Button” to Contact Us or Request Your Healthcare Plan proposal.
Thanks for Your Continued Interest
Testimonial from a “Trade Association Official”
The most requested Trade Association program is for an affordable healthcare plan for our Association Member’s employees and staff.
That’s when we started offering the World Healthcare program. Our membership is excited and thankful. And, we’ve seen a significant increase in membership applications. >> M. Watts
Table of Contents
Section 1 – Why WHC is a Must Have for Your Association
Section 2 – Why WHC is a Must Have for Your Staff
Section 3 – Learn More – See Sample Pricing; Learn About WHC and a Business Model You should Adopt; Plus More!
Thanks for Your Continued Interest!
Why WHC is a “Must Have” for Your Association
Your Mission: Most Unions and Trade Associations are formed to provide services to their individual Members and Member Companies. In turn, to the staff of the Member Companies.
The lifeblood of any Association is the ability to offer programs, services and products that appeal to their Members. We are offering you a Member Services program that can save your Members money and lower their medical and healthcare costs.
In addition, we are offering you a significant, funding Subsidy program worth thousands of dollars.
To Learn More, Navigate our site!
✓ To Learn About the WHC Healthcare Plan:
- Read Below: “Why WHC is a “Must Have” for Your Staff”
- Go To WHC Plans: “Singles & Families”
- Go To WHC Plans: “Employers”
- Go to FAQs
✓ To Learn About Your Affiliation Subsidy Program: Read below – “Learn More”
Thanks for Your Continued Interest
The most sought-after employer benefit is affordable healthcare.
The Issue: Traditional Group healthcare insurance is completely unaffordable for you and your Staff. Yet, employees believe and want their employer to offer an affordable healthcare plan.
Employers are all looking for an alternative to expensive Group insurance. Your Staff are looking for ways save money and to lower their healthcare medical costs.
The Solution: Offer all your Staff an affordable WHC Healthcare Plan. The WHC Healthcare Plan is 50% or more less expensive than any Group Plan. So much so there is no need for you to subsidize the monthly cost.
Give your Staff financial help that saves them money and lowers their medical and healthcare costs and you’ll have a satisfied Staff who will want to stay with you.
The more your Staff seeing you helping them, the more likely they will remain with your company.
For the first time you can use an employee benefit program to recruit new Staff Members without it costing you anything.
Take Look …..
✓ Any Staff Member can purchase a WHC Healthcare Plan. Part-timers, 1099s, volunteers and affiliates. If you want them on your WHC Plan, they can be included!
✓ Your Staff can easily add family members, even their pets. To add is affordable. Not so with a Group insurance plan.
✓ WHC Healthcare plans are 50% less expensive than any Group insurance plan. No need to subsidize!
✓ There are no Deductibles or Co-insurance costs. Just a single, affordable Co-Pay.
✓ Out-of-Pocket costs are limited to only $1,000 per medical claim. Not an $9,000 Annual Out-of-Pocket Cost like most Group plans.
Start Offering a New and Great Employee Benefits Program Today!
Introduction: Your Affiliation Subsidy is a cash payment sent to you from WHC. Depending on the Option you select, your cash payments could be several thousands of dollars and last for multiple years.
Your Annuity Subsidy is being paid to reimburse you for your efforts associated with offering WHC to your Members.
You receive an Annuity Subsidy for each Member you sponsor and who joins WHC. The amount of your Subsidy is based on the type of services you perform.
Explanation: First, we’re going to use some financial terms. Then give you some examples. You’ll see how the Affiliation Subsidy relates to your Association and to your WHC Affiliation Subsidy.
Types of Income:
Transactional Income is when a business receives payment when they sell a product or a service. With Transactional Income the business gets paid once per transaction. For example, a real estate broker’s commission is a form of Transactional Income.
For purposes of your Proposal, we’ll call this your “Transactional Subsidy”.
Annuity Income is when a business receives on-going income from a sale, usually without doing any additional activities. A monthly Membership Fee is a form of Annuity Income.
For purposes of your Proposal, we’ll call this your “Annuity Subsidy”.
Your Affiliation Subsidy has Two Options:
✓ Option 1 – Transactional Subsidy: Simply introduce WHC to your Members and staff. For those who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.
For those who do not have insurance, ask them if they would be interested in having an affordable healthcare plan.
Collect some basic information and forward to WHC. We will follow-up with each Member with a no cost WHC Healthcare Affordability Review.
WHC will pay you a $100 Transactional Subsidy for each Member you assist to purchase a WHC Healthcare Plan.
✓ Option 2 – Annuity Subsidy: With this Option, your staff person counsels your Members, does their Quote and takes their application to purchase their WHC Healthcare Plan. If you prefer, a WHC Staff Person will be assigned to your Association to perform these functions.
WHC Annuity Subsidy Example: Let’s take a typical 30 year old who has purchased a WHC Healthcare Plan. The monthly price is about $230. The monthly Annuity Subsidy would be $23.00, $276 per year.
Next, by only adding 10 new Members per month would produce an initial, annual Annuity Subsidy for you of about $18,000. In year 2, your annual compensation jumps to over $50,000. And this Annuity Subsidy could continue to multiply for many years.
Summary: The Annuity Subsidy has the greatest cash amount and is the longest paying. The Annuity Subsidy is much better than the one-time, Transactional Subsidy. The Annuity Subsidy is paid monthly.
With either Option it will be a great Service offered by your Association to all your Members and their staff.
Employees, Part-Timers, 1099s, Volunteers, Affiliates
✓ No Classification or Age Limitations: If they work for you, they can be included.
✓ Include Family Members: Your Staff can have anyone on their WHC Healthcare Plan; Spouse/Partner, Dependants, even Relatives and their Pets all at an affordable price. Unlike Group plans.
✓ No “Open-Enrollment”: Your Staff can “Opt-In” at any time.
✓ WHC Healthcare Plans are Portable: Each Staff Member can take their WHC Healthcare with them when they leave. No need for COBRA!
✓ WHC Healthcare Plans are usually Approved and Effective in 24 Hours
Everyone Needs an Affordable Healthcare Plan that can be tailored to their needs and budget!
Your Staff’s Dilemma: Traditional and Group healthcare insurance have become completely unaffordable for everyone, including your Staff.
Here’s How We Can Help: We can provide your Staff Members with an affordable Healthcare Plan that will save them up to 50% on their monthly cost. More importantly, savings of up to 80% on their deductible and co-insurance costs. WHC also provides financial assistance, low income subsidies, healthy and family discounts.
Take a Look
✓ Lower Your Staff’s Monthly Healthcare Plan Cost by 50%: Your Staff choose and pay only for the coverages they want. Each Medical Service is subsidized by WHC. Each Staff Member can receive discounts for being Healthy, having a Family, being a Senior, or having a Lower Income.
✓ Lower your Staff’s Out-of-Pocket Costs by 80%: A typical Group plan’s Out-of-Pocket cost is over $8,000. Likely, most of your Staff can’t pay this cost. This means you are offering, and they are buying, a healthcare plan they can’t afford to use.
With WHC, there are no Deductibles or Co-Insurance costs. Just one, affordable Co-Pay.
✓ Give Your Staff More Benefits & Coverages: Many Group plan’s do not include important Coverages. Dental, Vision, Hearing usually must be purchased separately. Holistic and other types of wellness and medical treatments are not covered or even available.
All are included with WHC !
✓ Each Staff Member can personalize their own WHC Healthcare Plan: Not so with a Group plan. An 18 year-old, single person, has far different healthcare requirements than a 50 year-old with a family of 4. Unlike a Group plan, which is “one-size-fits-all”, a WHC Plan is personalized by each Staff Member to meet their needs and budget.
✓ Each Staff Member can receive Prescription Medications Reimbursed 100%: No so with a Group plan. With WHC, No Co-Pay, No Deductible, No Co-Insurance.
Suggestion: If you have a Group plan, take a few minutes to read it. Take a close look at the monthly and the annual Out-of-Pocket cost. We think you’ll be surprised at the costs! Then, compare to WHC.
WHC can provide your Staff with an affordable Healthcare Plan that will save them up to 50% on their monthly cost. More importantly, savings of 80% or more on their Out-of-Pocket costs.
To Learn More: See other areas of the Website. Use the “Header Selections” to Access
✓ Read About “For Singles & Families”
✓ Read About “For Employers”
✓ Go to “FAQs”
CHC is Giving Your Staff Discounts and Financial Subsidies So You Don’t Have To
Your Dilemma: If you are offering a healthcare plan, you are likely subsidizing your Staff’s monthly cost. Also, likely you have a low take-rate. This is usually because of your Group Plan’s cost is too expensive for your Staff.
Solution: Give your Staff a more affordable healthcare plan option and you’ll see a higher Take-Rate AND you won’t need to subsidize their Group Plan’s cost.
WHC is Better Than a Raise: Consider this, lowering your Staff’s healthcare cost is just like giving them a raise, only better. WHC doesn’t cost you anything to offer an affordable Healthcare Plan to everyone. A raise does!
Your Opportunity: If you are not offering a healthcare plan, now is the time! With WHC you can offer a great healthcare plan without it costing you any money.
How to Proceed: Offer the WHC Healthcare Plan as a Stand-Alone healthcare plan or along with a Group healthcare plan. Let your Staff decide which plan they want.
WHC Healthcare Plans are Affordable for You and All Your Staff !
Get out of the Healthcare Hassle and Back to Running Your Business.
Your Dilemma: When offering a healthcare plan, your staff have many questions. How does it work? What’s my options? What medical providers can I use? Where do I send my bills? These are just a few.
My guess is you can add to this list.
Your Response: You either have an HR person answer the questions or you have to do it yourself. Now is the time to add another option that gets rid of the previous issues.
Your WHC Option: Have us manage your entire healthcare plan for you.
How? Each of your Staff Members has access to their own personal WHC Healthcare Concierge.
The WHC Concierge will:
✓ Manages your and their entire healthcare program. So You don’t have to!
✓ Helps your Staff with general healthcare questions. That’s our business. Not likely yours!
✓ Reviews your Staff’s medical bills for possible billing errors. Most medical bills have Billing errors and missing discounts.
✓ Reviews to see if your Staff Member is getting medical service discounts. Lowers their Medical Services cost.
✓ Negotiates payment terms with Medical Providers. Another method to lower medical service costs.
✓ Helps your Staff locate cost effective Medical Providers. We have suggestions on which Medical Providers will give good discounts.
WHC is Your HR Healthcare Service
To Learn More: Navigate to other areas using the “Header – Menu Selections”. Visit “Healthcare Plans” and “FAQs” to get answers to many common questions.
To Have Us Contact You: Have questions? Want to see a Healthcare plan for your Staff and Association Members?
Click “Contact World Healthcare”. Select the “Request Type”. Enter your “Requests / Questions”. Then “Submit”. We’ll be back to shortly.
To Request a Healthcare Quote: Click “Quote – Price Request”.
Thanks for Your Continued Interest
Why WHC is a “Must Have” for Your Staff
✓ No “In-Network” Requirement or Limitations
✓ Use any Medical Provider: Even Specialists and “Holistic” Medical Providers.
✓ Included Popular Coverages: Dental, Vision, Hearing, Holistic, Acupuncture & Chiropractic.
✓ Prescription Medications are Reimbursed 100%: Buy Anywhere. No Co-Pay or Deductible.
✓ Coverage anywhere in the U,S. and World-Wide
✓ No Co-Pays
✓ No Co-Insurance
✓ No Deductibles
✓ Reimbursements up to $1,000 per year
From Medical Providers:
✓ Primary Care and Urgent Care facilities: 5% to 50%.
✓ Medical Specialists: 5% to 50%.
✓ Hospitals: Up to 90%.
From WHC:
✓ Healthy Discount: For persons in good health.
✓ For Families. The larger the family, the greater the Discount.
✓ Senior Discount. For persons over 55.
✓ Income Subsidy: For persons with a lower income.
✓ Loss of Income Subsidy: When you loose your income due to a medical event, we’ll pay your Healthcare Plan’s monthly price.
✓ ACA or Group Plan Subsidy: When you have a significant medical condition, and purchase an ACA or Group insurance plan, we’ll pay your monthly cost,
✓ Include Any Family Member: Adopted & Extended families, grandparents, aunts, uncles all at an affordable price. Unlike Group plans.
✓ Include Their Pets: They are Family Too!
✓ No Age or Other Limitations: If they want someone on their WHC Plan, they can be included. No cost to you!
WHC Eliminated Deductibles & Co-Insurance costs
Replaced with a Single, Affordable Co-Pay
Most Group insurance plans have an annual Out-of-Pocket cost of $9,000 or more.
Think about this: Can any Staff Member afford to pay a Group Plan’s $9,000 Deductible & Co-Insurance cost when they need to use their Group insurance plan? Likely not!
So why have a Group insurance plan they can’t afford to use?
That’s the question!
Your Staff’s Personal Healthcare Advocate
✓ Helps your Staff manage their entire healthcare program. So You don’t have to!
✓ Reviews your Staff’s medical bills for billing errors. Most medical bills have Billing errors that must be discovered and addressed.
✓ Reviews Billing Statements to see if your Staff Member is getting medical discounts. Lowers your Staff’s Medical Service costs.
✓ Negotiates payment terms with Medical Providers. Another method to lower medical service costs.
✓ Sends Your Staff Cash Reimbursements. To reimburse your Staff’s Out-of-Pocket medical service costs.
✓ Helps your Staff locate cost effective Medical Providers. We have suggestions on which Medical Providers will give good discounts.
✓ Helps your Staff with general healthcare questions. So you don’t have to.
To Learn More
Reports show fewer companies offer an employee health insurance plan because of the cost. Many employers resort to subsidizing their Staff’s monthly insurance costs, but take-rates remain very low.
Further, not all staff members can purchase a Group insurance plan because they are part-timers or volunteers.
Here is the bigger problem. Staff subsidies are rarely provided to pay the Group plan’s most expensive cost; their Group plan’s Deductible and Co-Insurance costs.
In 2026 these Out-of-Pocket costs average about $9,000 or more. Double this amount for a family.
Here’s the Question. “How many staff members can pay $9,000?” Likely none, maybe just a few.
So, the bottom-line is this. Even after the employer pays the subsidy cost, their staff still can’t afford to use their Group insurance plan. This doesn’t make sense. Does it?
We Can Fix All of the Above Problems for You. Contact Us Now.
How Car Dealerships Make More Money than Selling Cars
Their Business Model: Long ago car dealerships learned that just selling cars was not enough. They began offering insurance and financing, which allowed them to sell more cars and significantly increase their dealership’s income.
Dealerships created the Finance and Insurance (F&I) department. After the “Car Sale” the F&I person sells Finance and Insurance. F&I created a major income stream for the dealership.
In many cases, the FYI “Annuity Income” is greater than the “Transactional Income” from the sale of the car.
How Your Association can use this Successful Business Model
Create a “Member Services” Office: The same business model can be adopted by your Association. Offer the WHC Healthcare Plan to every Association Member. Add a dedicated staff person or have WHC provide the staff person.
Your Opportunity: Your Association has thousands, maybe even hundreds of thousands, of dollars of potential income you not receiving today.
Every resident in your Community needs affordable healthcare. Your position in the Community is excellent to offer everyone in your Community an affordable WHC Healthcare Plan.
We’ll show you how to turn this potential income into actual cash
✓ Any Staff Person can be on your WHC Healthcare Plan; No limitations, Full-Time, Part-Time, 1099s, Legal Aliens, Affiliates, Volunteers and their family members and pets
✓ WHC Healthcare Plans are about 50% less expensive per month
✓ Out-of-Pocket Costs are limited to only $1,000 per medical claim; Not the $9,000 cost of Group health insurance.
✓ No Deductibles or Co-Insurance; Only a single, affordable Co-Pay
✓ Prescription Medications are Reimbursed 100%; No Deductibles or Co-Pays
✓ All Medical Services are Included; Dental, Vision, Hearing, and Holistic Medical Services
✓ Your Staff Can Use Any Medical Provider, Any Medical Service, Anywhere in the World; No “In-Network” requirement. No limitations!
✓ You Staff Can Receive Discounts & Subsidies; For Being Healthy, Having a Family, Being a Senior, Having a Low Income
✓ Your Staff Can Receive Financial Subsidies:
Loss of Income Subsidy – If and when a Staff Person loses their income due to a medical event, WHC will pay your Staff Person’s WHC Healthcare Plan’s monthly Membership Contribution.
ACA & Group Plan Financial Subsidy – If a Staff Person is diagnosed with a major medical illness, and they have an ACA or Group plan, WHC will pay their insurance plan’s monthly premium cost.
✓ Each Staff Person Receives the WHC Concierge Service; Helps you manage your entire Healthcare Program. Including reviewing your medical bills for billing errors, duplicate charges, and available discounts. Your Concierge helps you locate cost-effective Medical Providers and answers your healthcare questions.
✓ Each Staff Person Receives a Community Healthcare Savings Account (CHSA); The WHC CHSA is similar to a federal HSA with greater benefits. WHC matches the Staff Person’s CHSA Contributions and pays 5% interest on their CHSA balances.
✓ You Receive Sponsorship Bonuses: $100 for each Staff Person you Sponsor who becomes a Member and purchases a WHC Healthcare Plan
To see typical WHC Healthcare Plan Prices: Look at the following table.
To do get a Quick Quote: Click “Quote – Price Request”. On the Quote Request form, enter who you want included on your Healthcare Plan. You’ll see your special, affordable Member price.
To do a “Bid Request”: Click “Quote – Price Request”. On the Quote Request form, enter the price you will pay for your Healthcare Plan. We’ll send your “Bid” World-Wide to get Quotes. Let’s see the best price we can get!
To request a Custom Healthcare Plan: Click “Quote – Price Request”. On the Quote Request form, tell us the coverages you want, your budget and any special needs. We’ll design a custom Healthcare Plan for you.
WHC Healthcare Plan Pricing
Age – Weekly Price
< 20: $31.20
20: $36.34
25: $37.61
30: $42.52
35: $45.78
40: $47.87
45: $54.09
50: $66.90
55: $83.54
60: $99.41
65: $109.88
For a Pet Dog or Cat: $21.81
The World Healthcare Cooperative is a member-funded, community-focused, Healthcare Cooperative, providing affordable Healthcare and Financial Services for Singles, Families and Employers, in the U.S. and World-Wide.
We are similar to an Agricultural Cooperative, which provides a “One-Stop” community business service for farmers.
WHC is a “One-Stop” community healthcare service, providing affordable healthcare services and plans for you, and all members of your community.
Our Mission is to make your healthcare affordable, less financially risky and easier to manage.
Our Cooperative Members:
✓ Singles, Families and Employers.
✓ Medical Providers
✓ Union & Trade Associations
✓ Non-Profit Organizations
✓ Rural Hospitals
✓ Towns & Communities
Your Local Healthcare Cooperative: WHC offers its Healthcare and Financial Services via local Community Healthcare Cooperatives. Each CHC gives all community residents and companies local access to affordable Healthcare Services.
Contact Us for a directory and more information about your local Community Healthcare Cooperative. MemberServices@WHCHealthcare.com
Members Self-Insuring Members
If you are offering a healthcare plan:
✓ Why are you offering a healthcare plan that the majority of your Staff can’t afford to use? How many of your Staff can pay an $9,000 Out-of-Pocket cost?
✓ If you have a Group plan, why is your Staff Participation rate so low? Cost is the usual reason !
If you are not offering a healthcare plan:
✓ If you have not offered a Company Healthcare plan, why not? With WHC you now can because you don’t need to subsidize the plan.
✓ If you offered an affordable healthcare plan do you believe you could retain and recruit top-notch staff ? Likely !
✓ If you could eliminate the need to subsidize your healthcare plan, would you ? Increase your income. Use for other purposes.
✓ Reports show that fewer companies offer a health plan. Yet, their employees believe and want their employer to offer an affordable healthcare plan.
What do you want to do?
To Learn More: Navigate to other areas using the “Header – Menu Selections”. Visit “Healthcare Plans” and “FAQs” to get answers to many common questions.
To Have Us Contact You: Have questions? Want to see a Healthcare plan for your Staff and your Association Members?
Click “Contact World Healthcare”. Select the “Request Type”. Enter your “Requests / Questions”. Then “Submit”. We’ll be back to shortly.
To Request a Healthcare Quote: Click “Quote – Price Request”.
Thanks for Your Continued Interest
Testimonials
What Our Customers Are Saying!
I didn’t know I had to pay a $9,000 deductible before my insurance would pay my medical bills. What good is insurance if you can’t pay the deductible?
I bought an affordable World Healthcare plan that has no deductibles. Just a simple and affordable Co-Pay. You should too!
I was on a state ACA plan and got a big federal subsidy to lower my cost. That was great until I lost my federal subsidy and my premium went from $123.29 to $895.87.
No more health insurance for me. I now have an affordable World Healthcare plan.
We were paying $825.42 per month for our health insurance. Then we got our 2026 price of $1,656.60. We had no choice. We had to go without healthcare insurance.
Then my neighbor told me about World Health. $672.13 per month and it includes dental, vision, hearing, even holistic. What a relief. Thanks for being there for us! !
I received $38,000 in medical bills from a hospital and four different doctors I didn't even know. My World Health Concierge sorted out the bills, found errors and negotiated them down to $4,000.
Then, my Concierge helped me setup a payment plan I could afford. I couldn’t have done this by myself. Thanks World Health!
I needed help paying my medical bills. World Health referred me to the local Community Healthcare Cooperative's Benevolent Fund. Now I have a community of people helping me pay my medical bills.
I'm a waitress. My company has a healthcare plan, but I can't afford it. World Health got me a healthcare plan for only $38 a week. I showed it to my boss and he now wants to offer World Health to all our workers!
We did offer a Group Healthcare plan to our employees until we got hit with those 2026 prices. We had to cancel our employee Group plan.
Then, we heard about World Healthcare and we’re back offering a company healthcare plan that our staff can afford and without us having to pay a subsidy.
We had to decide between our healthcare insurance and our favorite doctor who wasn't "In-Network". We stayed with our doctor and purchased a World Healthcare plan.
I got my cat and dog included on my World Healthcare Plan. Sweet!
I'm a 61 year old male. I don't need to pay for maternity coverage! My insurance company said I did. That's when I said “ENOUGH” and went with World Health.
I was an insurance broker until my commissions stopped. I purchased the World Healthcare "Business In a Box".
I now have my own company with a great income. I'm back to helping people get an affordable Healthcare Plan.
