Multiple Employer Welfare Arrangement (MEWA)

What is a "Multiple Employer Welfare Arrangement?”

The term "multiple employer welfare arrangement" (MEWA) is defined in ERISA as: 

  • An employee welfare benefit plan, or any other arrangement which is established or maintained for the purpose of offering or providing welfare plan benefits to the employees of two (2) or more employers (including one or more self-employed individuals), or to their beneficiaries.  MEWAs do not include plans established or maintained under or pursuant to collective bargaining agreements, or by rural electric cooperatives or rural telephone cooperative associations.     

As reflected above, the definition of MEWA includes both ERISA-covered employee welfare benefit plans and other arrangements which offer or provide medical, surgical, hospital care or benefits, or benefits in the event of sickness, accident, disability, or any other benefit described in ERISA (See: definition of "employee welfare benefit plan" for a complete list of benefits). Therefore, whether a particular arrangement is or is not an employee welfare benefit plan subject to ERISA is irrelevant for purposes of determining whether the arrangement is a MEWA. In order to constitute a MEWA, however, a determination must be made that:

  • The arrangement offers or provides welfare benefits to the employees of two (2) or more employers or to the beneficiaries of such employees (i.e., the arrangement is not a single employer plan); and
  • The arrangement is not excepted from the definition of MEWA as established or maintained under or pursuant to one or more collective bargaining agreements, or by a rural electric cooperative, or by a rural telephone cooperative association.

Is there a MEWA in my Area?

The Troy, Ohio and Dayton Ohio region have three very popular MEWA's available to companies with less than 50 employees:

  • Southern Ohio Chamber Alliance: Anthem Blue Cross and Blue Shield
  • Council of Smaller Enterprises: Medical Mutual of Ohio
  • Ohio Chamber: United Healthcare

Please contact one of our Brokers at Benefits Analysis Corporation to find out more about Multiple Employer Welfare Arrangements (MEWA's) for companies in Troy, Ohio, Dayton, Ohio or all of Ohio and Kentucky!


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Troy, Ohio 45373

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Louisville, KY 40205
(502) 242-3569
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