RAMHIC Eligibility

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  • Three  Year  Waiting  Period - must not have withdrawn from or have been terminated from RAMHIC or another state-certified cooperative in the past 3 years.