Digital Insurance has expanded its product line to include non-traditional or 'limited medical and wellness' offerings.

The employee benefits broker said that the addition of the new plans is an enhancement to its INcompass suite of services, enabling it to provide a wider range of low-cost healthcare products to small employers.

In response to spiraling major medical premiums, an estimated 39% of employers don’t offer health insurance. In fact, less than half of small businesses with three to nine employees offer this benefit.

The limited medical and wellness benefit plans are designed for employees who may not have health insurance, whose coverage is being reduced or who can no longer afford family coverage. With price points of $100, $150 and $200 per employee per month, they help people gain access to basic medical care such as doctor visits, prescription drugs and wellness solutions.

Through a new strategic partnership with Cost Containment Group (CCG) and access to its limited medical products, Digital offers viable low-cost alternative limited medical and wellness benefit plans to expensive traditional healthcare plans. The relationship between Digital and CCG supports both organizations’ goal to bring the best products and value to the small business community.

Adam Bruckman, president and CEO of Digital Insurance, said: We believe small businesses would offer a benefits package to valuable employees if they could do so within their budget. Limited medical benefit plans – being used by more than a million Americans – may be an affordable option.