Based on the favorable enrollment conditions your employer has negotiated, it is important to accept or decline coverage by selecting one of the enrollment options.

What is High, Low, or No?

Understand why declining coverage is equally as important as accepting coverage.

High, Low, Or No® is the original simplified benefit enrollment system, with 1,000+ enrollments and hundreds of thousands of employees that have accepted or declined insurance coverage.

Why High, Low, Or No®
is the Ideal Enrollment Solution

High, Low, Or No eliminates the need for an employee to meet with an insurance 
agent/enroller. By focusing on accepting or declining coverage with a self-enroll process, benefit participation is typically as high, or higher than disruptive onsite enrollments. 
This high participation results in favorable premium pricing and underwriting.

Employees

Employees

It's simple, easy, and fast — the average enrollment takes just a few minutes. If you elect to decline all coverage, it will take less than two minutes!

Employers

Employers

No build-outs required! Our system can be ready in a few days, can link to any benefit admin system, and can be delivered through email or text. This enrollment process should also meet the DOL Voluntary Benefit Safe Harbor requirements of keeping voluntary benefits non-ERISA.

Brokers & Consultants

Brokers & Consultants

Our system eliminates the need for third-party enrollment firms and keeps you in control of the valuable relationships you’ve already cultivated.