Our Philosophy

The NAW Health Insurance Program was developed to assist member companies in aggressively pursuing strategies to manage their healthcare costs. This vision is delivered through the various medical plans available to member companies. A key component to these medical plans includes the option to incorporate a consumer-driven healthcare strategy.

Simply put, consumer-driven healthcare empowers consumers to take more control of their healthcare coverage. It typically includes lower premiums and puts the consumer (employee) in charge of first-dollar healthcare expenditures. Consumer-driven healthcare generally includes a high-deductible health plan and some combination of funds held in a tax-advantaged account (i.e., health savings account, health reimbursement arrangement, etc.) to fund a portion of the out-of-pocket costs.

With the NAW Health Insurance Program, each member company can develop their own consumer-driven healthcare strategy, choosing medical plans and tax-advantaged solutions to fit each member company’s needs and budget.