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Coterie Advisory Group Favicon
program manager and consultative advisor who delivers Affordability-Based Medical Plan Strategies to help benefit brokers and employers in the benefits industry.
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ˈkōdərē,ˌ kōdəˈrē/ 

a close circle of people with a unifying common interest or purpose.

Your access to the inner circle. We live and breathe a partnership approach to business that leverages our long-term relationships in the insurance and benefits industry. Through our career experiences, we share deep expertise and knowledge of the unique needs of Part-Time and Full-Time Hourly workers and leverage our best-in-class vendor partnerships to deliver quality, affordable healthcare options of value.
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A disciplined approach to understanding market and business needs. We create Affordability-Based Medical Plan Strategies. From local small businesses to large national companies in the service industry… We understand the unique challenges that companies face across the different classes of their employee populations. We provide customized Statistical Modeling Reports to help guide decision support and determine the appropriate benefit levels and the right price-points for our potential clients' product offering.
Our Process
An integrated market approach. We create the most effective ways to bring proprietary and innovative products of value to market across multiple channels and distribution partners for niche-classes of eligible insureds.

Market Channels

  • Small Employer Groups

  • Large Employer Groups

  • Franchise Groups

  • Gig Economy

Distribution Partners

  • General Agents

  • Benefit Brokers

  • Consultants

  • TPAs

Eligible Classes

  • Part-Time

  • Full-Time Hourly

  • Temporary and Seasonal

  • Independent Contractors

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The needs of the market are constantly changing. We offer a nimble approach to procuring and developing proprietary products that our distribution partners and clients appreciate because they are relevant and meaningful to the needs of the marketplace -- specifically, affordability-based medical plan strategies. Our packages of consumer-centric insurance and non-insurance programs solve real-world problems, make a difference in consumers' lives, and have a track record of being market-leading and market-changing.
affordability-based medical plans uniquely designed to solve for niche and underserved needs in the marketplace
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An employer-sponsored, level-funded, Limited-Day Health Plan for small employers and carve-out classes of larger employers.  As a copay plan that pays at 100% with no deductible, the plan limits the number of coverage days, but offers near-comprehensive coverage at 30-40% less than the cost of traditional high-deductible health plans.​  Meets ACA requirements for MEC and bronze-level MVP.

Allows large employers the ability to offer voluntary, affordable, and unique Limited-Benefit Indemnity options to their uninsured, part-time, and hourly workers. The plans provide first-dollar coverage for basic medical expenses. MEC, MEC Enhanced, and MVP options are also available for employers who are looking for affordable plan options with value, to meet ACA requirements.​

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The Fundamental Care® programs are Affordability-Based Medical Plans which focus on plan value and are designed for various niche-markets, including: employees of small to mid-size business, part-time, full-time hourly, and seasonal employees at enterprise-level companies, independent contractors, and gig-economy workers. The affordability void in healthcare continues to be a major issue in the United States. With over 28 Million uninsured and 70% of workers living paycheck to paycheck, Fundamental Care is designed to meet the needs of the underserved, by providing access to unique and affordable health insurance benefits on a guaranteed issue basis. Limited-Day and Limited-Benefit Indemnity plans can be customized and structured with affordable premiums, little or no contribution requirements, and no deductibles. The plans offer coverage that is high in value and include upfront, day-one benefits – healthcare employees can actually use. Coterie Advisor's can also provide Minimal Essential Coverage (MEC), MEC Enhanced, and bronze-level Minimum Value Plan (MVP) options for client's needing a solution for their full-time equivalent employees. The combined offering of the Fundamental Care plans is unique to the marketplace. Through Coterie's Affordability-Based Medical Plan Strategy, the plans not only provide needed healthcare to the insured employees but also offer companies a strategy to improve recruiting and reduce turnover by rewarding a carve-out class or more-tenured employees.
Aaron Cook
Co-Founding Partner
Ben Rozum
Co-Founding Partner
Executive Vice President
Mike Lambert
EVP National Sales
Tim Cook
Co-Founding Partner
Coterie Advisory Group, Inc. is a National insurance program manager and consultative advisor who delivers Affordability-Based Medical Plan Strategies to help benefit brokers and employers in the benefits industry.
The founders of Coterie Advisors are comprised of a team of insurance and benefits professionals who since 1990, have dedicated their careers to Affordability-Based Medical Plans. They have held various Leadership and Executive roles at multiple insurance carriers, agencies, and platform administrators. They have decades of experience working with some of the nation’s largest service industry employers and understand the unique needs of a variable hour workforce made up of part-time, full-time hourly, and seasonal employees.
Coterie Advisors offers unique and proprietary Affordability-Based Medical Plans. Their Fundamental Care programs include fully-insured limited-benefit indemnity plans, level-funded limited-day plans, MEC, MEC Enhanced, and bronze-level MVP which solve real-world problems, make a meaningful difference in consumers' lives, and have a track record of being market-leading and market-changing. Their drive has helped thousands of employers and millions of individuals obtain quality, affordable care with value.

Want to join our team? Learn more at: Coterie Careers

Read more about us at: Coterie News
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