Insurance carrier

HEALTH OPTION, INC

health: 1drug: 1

Funding-model mix

The strategic axis. Fully-insured carriers underwrite the risk; ASO/self-funded carriers admin only. MEWA = multi-employer welfare arrangement.

Benefit-line mix

Contract counts by benefit type. Monoline carriers concentrate in one wedge; full-suite carriers spread across many.

Top states · with penetration index

Plan count by state. Index > 1.0 means over-indexed vs the national share; the carrier dominates that state.

State	Plans	Premium	State share	Index
FL	2	$4.7M	0.0%	25.39x

Top industries by premium

NAICS-2 sectors where this carrier writes the most welfare premium.

Sponsor-size mix

Plan count by total participants. Mid-market sales motion vs jumbo enterprise looks completely different.

Prospect-flag exposure · vs market baseline

Share of HEALTH OPTION, INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where HEALTH OPTION, INC is the primary carrier (latest filing per plan)

Sponsor	Loc	Premium	Covered	Funding	Broker
RULON COMPANY RULON COMPANY HEALTH AND WELFARE BENEFIT PLAN	FL	$2.9M	186	fully insured	MFB FINANCIAL INC
CARDIOVASCULAR MEDICINE ASSOCIATES, P.A. HEALTH	FL	$1.8M	111	fully insured	WORLD INSURANCE ASSOCIATES