Know Your Options: Why Medical Mutual and COSE’s New Health Benefit Option Might Make Sense For Your Business


As a business owner, it’s important to know you have options to help grow your business. That’s why Medical Mutual—a long-time supporter of small businesses across Northeast Ohio—has partnered with the Council of Smaller Enterprises to present a new health benefit option for small business that is centered on the belief that small businesses should be able to provide the same benefits as a large company.

The COSE Health and Wellness Trust is a multiple employer welfare arrangement (MEWA) designed as a self-funded benefit option for businesses with 50 or fewer employees. Business owners with no employees are also eligible to apply. The COSE MEWA was developed to help small businesses and their employees manage the increasing costs of healthcare benefits.

The MEWA At A Glance

Characteristics of the COSE MEWA include:

  • 16 different plan options, including traditional co-pay plans and high-deductible health plans with varying deductibles and co-insurance.
  • By using such factors as medical history, gender, age and location to set rates, the costs of the COSE MEWA could be less expensive for your group than under similar plans offered by the Affordable Care Act (ACA).
  • The COSE MEWA is not subject to some of the ACA-mandated benefits and taxes and fees, so these savings are passed along to you.
  • The COSE MEWA maintains stop-loss coverage to provide plan sponsors with additional protection from large financial losses.

And because Medical Mutual is administering the benefits for participating COSE employers, all benefits and options are tied to the same Customer Care team, local assistance and network of doctors and hospitals that members have accessed for years.

Learn More at

Interested in learning more about how the COSE MEWA works and why it may be the right plan for you and your business? Access all the information you need on our education page at where you can view videos, access frequently asked questions, view plans and additional information and help make an informed and easy decision for your business.

For more information, contact the COSE Benefits Team at Medical Mutual at 440-878-5930. Or email the team at