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Member Exclusive

The USBA Health & Wellness Plans

Looking for healthcare coverage you can actually afford?

Get Covered Immediately,  no questions asked, and choose from over a million providers nationwide.

MEC Plans


It takes only 5 minutes to sign up, and coverage starts at just $25/week!

  • 100% Approval: You are now compliant with government regulations
  • 100% tax deductable for most business owners (Learn More)
  • Immediate Coverage: Sign up today, see the doctor today
  • No Health Screening: No need to visit the doctor for approval
  • No Health Questionnaire: Your pre-existing conditions won’t affect your coverage
  • No Credit Check: Financial history doesn’t matter
  • No Social Security Number Required: We make it easy for you
  • Open to All: You don’t have to be a citizen, just pay for coverage

Managing your wellbeing should be easy - and affordable.

Each of the three Wellness Plans comes with a USBA Membership, and fully covers the expenses for federally mandated preventive services, with 100% coverage of eligible charges. No deductibles, copays, or annual lifetime limits apply. Refer to the approved list by the U.S. Preventive Services Task Force to ascertain the covered services.

Wellness Essentials

Starting at


Wellness Plus Silver

Starting at


Wellness Plus Gold

Starting at



What is an ACA-compliant MEC plan?

An ACA-compliant MEC plan is a health insurance plan that provides essential health benefits and fulfills the government’s mandate, ensuring that you are compliant.

What does “100% approval” mean?

“100% approval” means that anyone who applies for our MEC plan will be accepted, regardless of their health condition, age, or other factors. There are no rejections or denials.

How does this plan work without health screening?

Our MEC plan does not require applicants to undergo a health screening or medical examination. You do not need to visit a doctor to be approved for coverage, but once you're enrolled, you can see a doctor immediately.

Is there a health questionnaire to complete?

No, there is no health questionnaire to complete when applying for our MEC plan. We do not ask about pre-existing conditions or your medical history.

Do I need a good credit score to qualify for this plan?
No, a credit check is not necessary to qualify for our MEC plan. Your credit history does not affect your eligibility or coverage.
Is a Social Security number required to sign up?

We do not require a Social Security number for enrollment. We aim to make the sign-up process as accessible as possible.

How quickly am I covered after signing up?

Once you sign up for our MEC plan, your coverage begins immediately. You can access healthcare services, including visiting a doctor, without delay.

Can non-citizens enroll in this plan?

Yes, our MEC plan is open to individuals who are not U.S. citizens, as long as they meet the eligibility criteria and pay for coverage. Citizenship is not a requirement.

Be a Winner

What Our Clients Are Saying

★ ★ ★ ★ ★

“Our company has 75 employees and we do not provide health insurance coverage to our hourly employees because of the cost. Enginuity Administrators and their MEC and MEC Plus plans allowed us to provide coverage to 62 of our employees who could not afford coverage.  You guys are great”

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Angela - DPD

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