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.