December 1, 2021

Changes are coming to the RAM Health Insurance Cooperative in 2022 

To learn more please join us for a free webinar on December 8th, 2021 at 10:00 AM (EST)  


RAMHIC’s new ACA-compliant offering is designed to add value to your health insurance purchase—helping your business attract and retain employees.
All Blue Cross Blue Shield small group plans remain available for purchase through RAMHIC.
Starting January 1, 2022, all members purchasing a health plan through RAMHIC will receive a free comprehensive package of ancillary benefits
The free ancillary benefits cover your eligible employees* and include: 

  • A Group Term Life Insurance Policyfrom USAble providing $10,000 in coverage
  • A Hospitalization Policy from USAble covering $2,100 for up to a 10 night hospital admission.
  • An Accident Policy from USAble providing off-the-job accident coverage
  • An Exam-Plus Vision Policy from Blue 20/20
  • An Employee Assistance Planfrom New Directions providing access to professional counselors, information and tools, designed to assist your employees with a variety of topics including mental health, substance abuse, domestic violence, child care, financial and legal concerns

In the new year, all new and renewing RAMHIC members will also have access to Health Financial Accounts (HRA, HSA, FSA) from Health Equity with all administrative fees waived -- participants are responsible for funding the accounts.  Pairing a health financial account with your health plan can help you control your company's costs while also supporting your employees in managing their health care dollars.
RAMHIC continues to provide members access important money saving Wellness Incentives

  • BCBS’s Healthy Actions offers employee incentives of up to $300 and a chance for you to earn 7.5% in backend employer incentives.
  • RAMHIC is also currently seeking approval from the Division of Insurance to provide cooperative participants with an additional backend financial incentive equal to 1% of premium paid based on wellness engagement.  

For more information, visit the RAMHIC webpage at or call us at 617-523-1900.
*Eligibility varies based on the program, please visit the RAMHIC page to learn more.

2022 Retail Holiday Calendar

  Click here to download a printable 2022 Retail Holiday Calendar.

How are your holiday sales progressing?

In an effort to adequately monitor and report on this year's retail holiday sales figures we periodically asked RAM members to provide us with sales gain/loss numbers over a same period one year ago.

This first 3 question survey is focused on November sales.  Please check back and provide us your updated numbers throughout the holiday season.

Thank you for taking the time to provide us your holiday sales results. Wishing you a prosperous holiday season.

Click here to answer this quick 3 question survey.

Thank you.