Group MSA Plans
MyGroupMSA helps businesses across the United States offer their Medicare-eligible employees, retirees, and their spouses and dependents a Group MSA opportunity — at zero cost to the employer or the employee.
Call 208-806-8887 Learn How It WorksA Group Medical Savings Account (Group MSA) is a type of Medicare Advantage plan — but with a powerful twist. Instead of paying a monthly premium, Medicare deposits money directly into a personal savings account that the employee owns and controls. To understand what makes a Group MSA special, it helps to see how it compares to other Medicare Advantage plan types.
Requires the use of a network of doctors and usually needs a referral to see a specialist. Generally lower out-of-pocket costs when staying in-network.
Offers flexibility to see any doctor, in or out of network, without a referral — though staying in-network typically costs less.
Allows you to see any Medicare-approved provider who accepts the plan's payment terms. Providers may choose whether to accept the plan for each visit.
Designed for people with specific diseases, conditions, or limited incomes. Provides tailored benefits and drug coverage for those who qualify.
A Medical Savings Account plan combines a high-deductible health plan with a personal bank account that Medicare funds annually. You use those funds to pay for qualified healthcare costs. This is the plan that MyGroupMSA specializes in — and it comes with distinct advantages for both employees and employers.
Most people have heard of an MSA — but a Group MSA is something different. MyGroupMSA specializes exclusively in Group MSAs — making this a benefit most employees have never had access to before.
Source: Medicare & You 2026 — The Official U.S. Government Medicare Handbook, Section 4. MyGroupMSA is not affiliated with Medicare or any government agency.
MyGroupMSA offers Fenyx Health Group MSA plans available in all 50 states plus D.C. There is a plan for every situation — whether you are a business owner, an employee, a retiree, or self-employed. Schedule a consultation with Chris and his team to find the right fit for you.
Available to groups of any size, in all 50 states plus D.C. $0 cost to the employer. $0 monthly premium for the enrollee. The employer's role is simply to make their Medicare-eligible employees and retirees aware of the option — the plan itself is between the enrollee and Medicare. We currently offer two Standard plans, Plan 200 and Plan 300, with most enrollees choosing Plan 300 for its larger annual deposit.
Business owners can enroll in a Self-Employed plan for themselves while also offering the Standard 200 or 300 plans to their employees and retirees. Self-Employed plans are funded by a monthly group fee paid by the business, in exchange for a larger annual Medicare deposit into the owner's MSA account.
All plan amounts shown are full-year figures. Deposits and deductibles are prorated for partial-year enrollments. Plan details are based on 2026 Summary of Benefits. Plans depend on contract renewal and are subject to change.
Getting started is simple. Chris and his team handle everything — from the initial conversation to enrollment. All it takes is one phone call or email to find out if your business qualifies.
It starts with a free, no-obligation conversation. All it takes is one phone call or email to find out if there is a fit for your business and your workforce. A MyGroupMSA agent meets with you — in person or by phone — to explain the program and answer every question.
A MyGroupMSA agent introduces the Group MSA option to eligible employees, retirees, and their Medicare-eligible spouses — clearly, personally, and with no pressure to enroll.
Interested participants enroll through MyGroupMSA. Your MyGroupMSA agent guides every enrollee through the plan enrollment process — making it simple and stress-free from start to finish.
Once enrolled, Medicare deposits the annual MSA funds at the start of each calendar year — or prorated from the enrollment month for partial-year enrollments. Participants have full coverage and cash in their account to put toward healthcare expenses.
Group MSA plans are available to a wider circle of people than most business owners realize — but Medicare's eligibility rules are specific. Here is who may qualify based on the Fenyx Health 2026 Summary of Benefits, and who likely will not.
Active employees enrolled in Medicare Parts A and B and who do not have other coverage that would pay toward the MSA deductible may be eligible. Because most active employees are still enrolled in their employer's group health plan — which would disqualify them — this is a narrower group than people often expect. We will help determine who qualifies in your specific situation.
Medicare-eligible retirees of your business who do not have other disqualifying coverage may be eligible. Their Medicare-eligible spouses may also be able to enroll in their own individual Group MSA plan, with their own annual Medicare deposit. Each enrollee has their own plan and their own MSA account — funds are not shared between spouses.
Former employees who are now Medicare-eligible may qualify as an "eligible beneficiary of the group" — even if they only worked for the company briefly or left years ago. Per the Fenyx Health 2026 Summary of Benefits, eligibility is based on Medicare enrollment and coverage status, not length of employment. We will confirm eligibility with each individual before any enrollment takes place.
From sole-proprietor and family-owned businesses to mid-sized companies, any business with Medicare-eligible owners, employees, or retirees may be a fit. Available in all 50 states plus D.C. Government employers, unions, and employment-related associations may also qualify.
Owner / Benefits Consultant
Chris Ingram is an independent insurance professional based in Idaho, with a passion for helping businesses do right by their employees. As the Owner and Benefits Consultant at MyGroupMSA, Chris specializes in Group Medical Savings Accounts — one of the most powerful and least-known Medicare Advantage options available today. MyGroupMSA connects businesses and individuals with Group MSA plans that can truly make a difference in the lives of their employees and retirees.
Chris has been helping businesses and individuals navigate Medicare since 2012. Experience counts. Whether he's sitting across the table from a CEO or explaining benefits to a long-tenured employee approaching retirement, Chris takes the time to make sure everyone understands their options — and feels confident in their choices.
About our logo: A medical cross combined with a dollar sign — because at MyGroupMSA, we believe great healthcare shouldn't cost you everything. In fact, with a Group MSA, it might just pay you.
No pressure. No commitment. Just a free conversation with Chris and his team — and a clear picture of what your employees and retirees could be receiving.
Monday–Thursday, 9am–5pm Mountain Time · Serving businesses throughout the United States
Whether you're a business owner exploring your options, an HR professional with questions, or a Medicare-eligible person wondering if you qualify — Chris is here for you. One conversation could change everything. And it's always free.
Chris and the MyGroupMSA team work with businesses throughout the United States — by phone, video, and in person where geography allows. The first conversation with MyGroupMSA is always free. You'll walk away knowing exactly where you stand — and what a Group MSA could mean for your business and your people.
Pick up the phone. Chris answers, listens, and gives you real information — not a sales pitch.
208-806-8887Monday–Thursday, 9am–5pm Mountain Time · Email anytime — Chris responds within one business day
