How Arizona Construction Companies Can Offer Great Health Insurance Without Breaking the Bank
Health insurance doesn’t have to be a headache—or a budget buster.
For construction companies, offering health benefits is more than just a compliance checkbox. It’s a powerful recruiting tool, a retention strategy, and a way to stay competitive on government contracts. But with seasonal workers, fluctuating hours, and rising costs, finding the right plan takes some creative thinking.
At Benefits Blueprints, we specialize in helping trades and construction employers design smart, affordable health plans. Here’s how to approach it.
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🔍 Start With the Realities of Construction
Construction firms face some unique challenges:
• Seasonal & hourly workforces mean inconsistent eligibility and enrollment.
• Prevailing wage projects often require benefits that meet strict requirements.
• Labor shortages make benefits a key factor in attracting and retaining skilled workers.
With these in mind, your health insurance strategy should be flexible, cost-conscious, and built for the jobsite—not just the HR office.
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💡 7 Creative Ways to Offer Better Benefits
1. Use Level-Funded Health Plans
These plans act like traditional insurance but give you claims data transparency and a chance at a refund if claims are low. They’re great for companies with 15+ full-time workers.
2. Design a Tiered Coverage Approach
Offer different benefit levels based on role, tenure, or hours worked:
• MEC plans for seasonal or part-time employees.
• Full PPO or HSA plans for full-time or key employees.
• Let employees “buy up” to better plans with pre-tax contributions.
3. Put Prevailing Wage Dollars to Work
If you bid on Davis-Bacon or prevailing wage projects, you can use fringe dollars to fund benefits instead of rolling them into wages. This reduces payroll taxes and meets contract obligations.
4. Add Direct Primary Care (DPC)
DPC gives employees unlimited access to primary care for a flat monthly fee—often $60 or less per person. It reduces expensive claims and improves preventative care.
5. Use Telehealth and Local Clinics as Gatekeepers
Instead of sending employees straight to urgent care or the ER, include access to:
• Telehealth (especially for rural or traveling crews)
• Local walk-in clinics
• Mobile health providers for job site visits
6. Reward Safety & Wellness
You already run safety programs. Tie them into wellness goals:
• HSA contributions for non-smoking or biometric screenings.
• Bonus drawings for crews that complete annual physicals.
• Employer-funded wearable devices for steps or injury prevention.
7. Educate in the Field
Don’t rely on open enrollment meetings alone. Use:
• QR codes on jobsite posters.
• Text reminders for benefit deadlines.
• Spanish-language videos or benefit summaries.
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🛠 Health Insurance Should Work as Hard as You Do
At Benefits Blueprints, we believe in building benefits plans as strong and reliable as your crew. That means:
• Cutting unnecessary costs
• Staying compliant with state and federal law
• Helping you stand out in a tight labor market
Whether you’re offering health insurance for the first time or looking to overhaul your current plan, we’re ready to help you think differently.
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👷♂️ Let’s Build Your Blueprint
Schedule a free consultation and we’ll walk you through plan options tailored to your workforce size, project types, and budget.
📞 Call us at (602) 341-5662 or Click here to book a call: