An Association Plan is group plan of individual policies with the intent to take an advantage of the “rule of large numbers” which in simple insurance terms means that the more people you have in a group, the  the age and health risk factors of the individuals within the group are averaged out spreading out the risk and ultimately reducing the premiums compared to rating each person individually.

Association Plans typically have value added benefits to include supplemental accident, supplement critical illness coverage, other health-related goods and services such as telephonic/video conferencing with board certified physicians and other types of telemedicine. Doctor-on-Demand is an example of telemedicine.