Define Your Own Plan

Defined contribution plans are an affordable alternative to employer-sponsored group health insurance plans, including PPOs and HMOs. Rather than paying the costs—which continue to increase substantially—employers can fix monthly costs by establishing a defined contribution plan. The plan is an accompaniment to other health insurance tools.

It works like this: Employers give each employee a fixed dollar amount (defined contribution) to spend. Employees can use the contribution to reimburse themselves for health insurance costs.


  • An cost-friendly option. The rising costs of health insurance are crippling to many businesses, and the defined contribution plan is a way to give employees a valuable benefit without the formal infrastructure of a PPO or HMO. The employer sets the defined contribution and gives employees the freedom to spend those healthcare dollars through vehicles such as a Health Savings Account (HSA).
  • Lighthouse plans. We’re a trusted source for accessing thousands of affordable health care plans, including Defined Contribution plans that fit your budget and benefits needs. Find out more, get a free quote, learn how you can have more choice. Just call 866-230-0222.