Lock your rate 'til 2028.
Sign up for Chambers Plan before January 1 to lock your Health and Dental rates until April 1, 2028.*
Lock in my rateSteady rates, year after year.
Illustration only, not a rate projection.
32,000+
Businesses share the risk in the Chambers Plan pool, so no single claim sets your rate.
Under 5%
National average annual renewal over the last decade.
10+
Grow past ten employees without being moved to a different plan.
1971
Not-for-profit since the start. Surpluses stay in the plan instead of going to shareholders.
Class is in session. Greg's teaching.
One big claim can send a small plan's renewal through the roof. Greg from Hive grabs the chalk and shows why that doesn't happen in the Chambers Plan pool.
Press play below. Greg keeps it short.
Schooling on Pooling
How much value could you get from Chambers Plan?
See the estimated annual value of five services included at no additional cost with eligible coverage.
A suite of no-cost services.
Select a service to see its estimated annual value.
Estimated annual value
Estimated annual replacement value of all five included services.
*This is not a quote.
How Hive calculated this estimate
The estimate combines $265 per person with $750 for the Business Assistance Service. Each figure is a conservative annual replacement-cost estimate for a comparable service. Actual use and market prices vary. This is an estimate for discussion, not a premium credit or guarantee.
Sign up before the new year.
Hive is a group benefits brokerage in St. John's. We'll set up your plan and do the paperwork with you.
- Tell us about your teamTwo minutes. No employee health information.
- Hive prepares your rateBased on your claims history, or competitive base rates if this is your first plan.
- Sign up and lock it inYour Health and Dental rates are held until April 1, 2028.
*Health and Dental rates held until April 1, 2028 for new Chambers Plan firms of 3–9 employees that purchase before April 1, 2027. Rates may be adjusted at the 2027 renewal for demographic changes. Other benefits are not included in the rate hold. Chamber membership and medical underwriting apply. Figures and plan structure from Chambers Plan.