Insurance & Benefits Solutions Through Trusted Partners

Stay Compliant Without the Cash Flow Strain

Workers’ compensation coverage is required for most businesses—but paying a large lump sum premium up front can be a burden. With PayGo workers’ compensation, premiums are calculated and paid in real time based on your actual payroll. This ensures you stay compliant and protected without tying up valuable cash flow.

Why PayGo Workers’ Comp Works for Small Businesses:

• Cash Flow Flexibility – Spread payments throughout the year, avoiding large upfront premiums.
  
  
• More Accurate Premiums – Pay based on actual payroll data, not projections.
  
  
• Simplified Audits – Real-time reporting reduces the risk of costly year-end adjustments.
  
  
• Easier Budgeting & Forecasting – Payments fluctuate with your payroll, making costs more predictable.
  
  
• Ideal for Seasonal or Growing Businesses – Coverage adjusts automatically as your workforce changes.
  
  
• Integrated With Payroll – Premiums are calculated and submitted automatically through your payroll system.
  
  

What Makes PayGo Workers’ Comp Different:

• Premiums adjust in real time
• Fewer audit surprises
• Easier administration with automated payroll integration

Affordable, Compliant Health Coverage Through Trusted Partners

Exact Payroll partners with SB/A CoOp to offer ERISA-compliant, partially self-funded health plans tailored for small and mid-sized employers. These plans include Minimum Essential Coverage under the ACA and are designed to control costs while providing robust preventive care and pharmacy benefits.

MVP (Minimum Value Plans) are especially advantageous for lower-wage employees who may not be able to afford traditional health coverage. They offer essential benefits at a lower cost, meeting ACA requirements without compromising on care. Employers can provide meaningful health coverage while keeping both premiums and administrative costs manageable.

What You Can Expect:

• Access to Bronze, Silver, and Gold coverage tiers
• Preventive & Wellness Care covered at 100%
• No up-front deductibles on most plans
• Serve You Rx pharmacy benefits with 66,000+ pharmacies nationwide
• Telemedicine included at no additional cost
• Plan administration managed by a licensed Third Party Administrator (TPA)
• Aggregate Stop Loss Fund to protect employer claim exposure

These plans integrate with your payroll to reduce manual effort and ensure accuracy in deductions and reporting.

Flexible Add-On Benefits That Employees Can Choose

Voluntary benefits give employees the option to customize their coverage based on individual needs—without adding cost to the employer. These employee-paid benefits can enhance your overall offering and help attract and retain talent by supporting financial wellness, health security, and peace of mind.

Common Voluntary Benefits Include:

• Dental and vision plans
• Accident insurance
• Critical illness coverage
• Hospital indemnity
• Legal and identity theft protection
• Employee assistance programs (EAPs)

These offerings are fully optional, easy to administer, and can be integrated into your payroll deductions for seamless management.