MIG NETWORK · 4 PROGRAM LINES ONLINE
We connect national associations, TPAs, and general agents to health-plan programs that actually fit their books — MEC/MVP, ACA Marketplace, ICHRA, and Guaranteed-Issue — and we make it our business to stay ahead of the market.
The signature system
▸ Scroll to route the network. Groups come in on the left. Coverage comes out on the right. We run the middle.
Program lines
Every program below is live on the rail today. Pick the one that fits the group in front of you — or ask Bella to pick for you.
Minimum Essential Coverage and Minimum Value Plans priced on composite rates — one clean rate per tier, no individual underwriting drama, and participation floors low enough that real-world groups actually qualify.
A staffed fast lane into ACA Marketplace coverage. When a group plan isn't the right fit, members get routed to subsidized individual plans by a human on a line — not abandoned to healthcare.gov at 11pm.
The employer sets a tax-advantaged monthly allowance; each employee picks the individual plan that fits their life. We handle the plumbing between the two so defined-contribution benefits feel simple, not experimental.
No health questionnaires. No underwriting. No pre-existing-condition exclusions. If they're on the census, they're covered — which makes MIG-04 the fallback line that keeps hard-to-place lives off your desk.
Meet DAVE
Bella is not just another automation tool. Running on the TMH Group Platform, she reads a census, matches it to a program line, and drafts the proposal while the kettle's still on — reducing friction, improving consistency, and supporting better outcomes.
Illustrative console. Live quoting runs on the TMH Group Platform.
Who plugs into the rail
We don't sell to employers directly — we power the people who do. Find your lane and we'll wire you in.
CHANNEL / 01
Turn membership into a benefit worth renewing for.
CHANNEL / 02
Administer more, chase less.
CHANNEL / 03
A wider shelf without a wider payroll.
How we work
Millennial Insurance Group is infrastructure. Carriers issue the coverage. Partners own the relationship. We build and run the routing between them — and being the neutral layer is exactly why the model works.
Read this first — it's the point
“Millennial Insurance Group does not issue, underwrite, or provide insurance coverage.”
That's not small print — it's the architecture. Because we hold no risk, we can route every group to whichever program genuinely fits, with no thumb on the scale.
Get wired in
Tell us which channel you're in and what your book looks like. A human replies — Bella just makes sure nothing falls between the rails.