The Retailers Association of Massachusetts Health Insurance Cooperative (RAMHIC) is the Association’s health insurance solution for our small business members.  The program provides access to health benefit plans offered by BCBSMA, as well as a comprehensive package of free ancillary benefits typically reserved for larger businesses.  This not only adds value to purchased health benefits plan, but also allows members to compete for, and retain, employees.  RAMHIC also assists members and their employees reduce overall health care costs through wellness program financial incentives designed to create a healthier and more educated consumer of health care.

Member testimonials

 Become a RAMHIC Certified Broker



As a small business group purchasing cooperative regulated by the Massachusetts Division of Insurance, RAMHIC has established rules which reflect both the governing law, and our vision for success. To join and retain membership in RAMHIC, businesses must meet the following criteria:
  • Retail Industry Employer - must be an employer within the retail, restaurant or wholesale sectors of the retail industry,
  • Member of Participating Trade Association - must be a member of either the Retailers Association of Massachusetts, Massachusetts Package Store Association or Northeastern Retail Lumber Association,
  • Small Business - workforce must consist of 50 or fewer eligible employees.  Please note that this threshold does not necessarily refer to your total number of employees but rather your eligible employees only. Eligible employees are those who work 30 or more hours per week and who have been hired for an intended period of not less than five months.
  • Wellness Participation - must promote the RAMHIC wellness program to your employees and their families and agree that 50% of the individuals covered by RAMHIC will participate in the wellness program. (Failure to maintain a participation rate of 50% may result in non-renewal at the next plan year),
  • Sign Membership  Agreement - must sign a RAMHIC membership agreement, which outlines the rules and potential administration and wellness program fees required by RAMHIC,
  • Three  Year  Waiting  Period - must not have withdrawn from or have been terminated from RAMHIC or another state-certified cooperative in the past 3 years.

Plan Options

All Blue Cross Blue Shield small group health plans are available for purchase through the cooperative.   


How to Apply/ Request Quote

1. Contact Blue Cross Blue Shield or have your broker request a quote

  •  For groups of 2 or more with a broker call 1-888-723-4840 or email [email protected]
  • For groups of 1 or non-brokered accounts call 1-800-422-3545.

2. Fill out the RAMHIC membership enrollment forms

3. Submit completed documents to RAM

All documents must be completed and submitted back to RAM via email at [email protected], by fax: 617-523-4321 or standard mail to 18 Tremont Street, Suite 810, Boston, MA 02108.


Healthy Actions Wellness Participation

Businesses enrolled in RAMHIC are required to promote BCBS’s Healthy Actions Wellness Program to employees enrolled in their health benefits plan.  A wellness participation rate of 50% of the business’s covered employees is required to guarantee renewal.  Click here to get started.


Financial Incentives

The program offers covered employees up to $300 in financial incentives for participating in the program—making it easier for employers to participation requirements. In addition, the program provides employers the opportunity to earn additional year end savings (up to 7.5%) based on the percentage of covered employees participating in wellness. Click here to learn more.


Promotional Materials 

BCBSMA's Healthy Actions: instructional flyer for employee registration


Free Ancillary Products 

With purchase of a BCBS Health Plan through the cooperative, your eligible employees will also receive the following free benefits courtesy of RAM.  Note that program eligibility varies, please see below Benefit Summaries for details.   


Health Financial Accounts from Health Equity: pairing a health financial account with your health plan can help you control your company's costs while supporting your employees in managing their health care dollars. 

  • Available products include Health Savings Accounts, Health Reimbursement Arrangements, and Flexible Spending Accounts.  
  • RAMHIC covers all required administrative fees -- participants are responsible for funding the accounts.