In today’s crowded and competitive health insurance market, member satisfaction isn’t just a retention metric—it’s a strategic battleground. The 2025 J.D. Power U.S. Commercial Member Health Plan Study sends a clear message: insurers who fail to deliver clarity, engagement, and trust are losing ground, while those who innovate are pulling ahead.

As Caitlin Moling, J.D. Power’s senior director of global healthcare intelligence, stated in the study press release,

“Brand performance gaps in the commercial health insurance market are no longer subtle—they’re widening in ways that directly affect satisfaction, retention and competitive strength.”

So, where do health plans go from here? One promising but underutilized path forward is HR compliance.

Why HR Compliance Matters Now

Employers, particularly small and mid-sized businesses (SMBs), are struggling to meet the growing demands of HR compliance. From federal mandates like the Affordable Care Act (ACA) to evolving state employment laws, compliance isn’t only complex but also costly when handled incorrectly. Employers are looking for help.

Yet most health insurance carriers still treat compliance support as a peripheral issue or pass it off entirely to brokers. That’s a missed opportunity. By bundling HR compliance solutions, such as Mitratech Mineral, insurers can deliver real value, deepen client loyalty, and turn a vulnerability into a competitive differentiator.

HR Compliance as a Strategic Retention Tool

Most small businesses lack in-house legal or HR teams. When they have questions about wage and hour issues, potential harassment complaints, or how to classify employees under ACA guidelines, they turn to trusted partners for assistance. Health insurance plans that provide proactive, easy-to-use HR compliance support stand to build enormous goodwill.

Mitratech Mineral fills this gap.

By offering Mitratech Mineral’s suite of HR compliance tools—including compliance resources, expert guidance, and automated ACA reporting—health plans can:

✅ Reduce the burden on brokers and account managers
✅ Position themselves as strategic partners, not just benefits providers
✅ Provide meaningful support beyond enrollment season
✅ Increase employer satisfaction and loyalty

Compliance Resources: Practical Tools for Everyday Risk Management

Mitratech Mineral equips employers with a robust library of compliance documents, templates, training modules, and timely regulatory updates all accessible through a centralized platform. Whether it’s creating a compliant employee handbook or benefits plan document, staying up to date on state-specific leave laws, or navigating I-9 documentation requirements, these tools help employers take confident, compliant action without the need for in-house legal expertise.

For health insurance providers, offering this depth of HR compliance support transforms the relationship with clients. You’re no longer just providing health coverage, you’re helping reduce legal risk, improve HR efficiency, and enable compliance at scale.

Expert Guidance: Real Answers from Real HR Professionals

Even the best tools have limits without expert input. That’s why Mitratech Mineral includes on-demand access to certified HR and benefits professionals through Mineral Experts™. Employers can ask tough, nuanced questions, whether it’s how to handle a sensitive employee dispute or whether a contractor is properly classified and receive timely, accurate answers.

This human layer of expertise makes a measurable difference. It reduces client frustration, prevents costly compliance mistakes, and builds trust. For health plans, it’s a powerful differentiator: when your offering includes real-time HR guidance, you’re delivering value well beyond the benefits package.

ACA Reporting: Simplifying One of the Most Complex Compliance Tasks

ACA reporting remains one of the most persistent pain points for small to medium-sized businesses (SMBs). Determining Applicable Large Employer (ALE) status, selecting the correct forms, and tracking the hours of your variable-hour employees can be daunting. Mistakes often lead to IRS penalties, employee dissatisfaction, and service escalations.

That’s why health plans like UnitedHealthcare turned to Mitratech. Following a successful pilot program supporting UnitedHealthcare’s Level Funded clients for the 2024 tax year, the Mitratech Mineral ACA Reporting Hub is now helping more employers and brokers simplify this complex process. Built on 10 years of ACA compliance experience, the platform automates the generation of Forms 1094/1095-B and C, handles e-filing with the IRS, supports state-specific healthcare filing mandates, and provides print-and-mail services, all while flagging data issues before submission. Behind the technology is the expertise of Mineral Experts™, the human layer that helps define the gray areas of ACA reporting and ensures employers stay compliant with confidence.

Deliver What Employers Actually Need: Real-World HR Compliance Support

Digital transformation may dominate strategic roadmaps, but true differentiation lies in solving the everyday challenges employers face. HR compliance is one of those challenges.

With Mitratech Mineral, health plans have a turnkey solution to:

• Improve employer satisfaction
  
• Reduce service friction and support escalations
  
• Offer value beyond the deductible
  
• Strengthen broker relationships
  
• And most importantly, boost retention in a competitive health plan market
  

As J.D. Power’s 2025 study makes clear,

“Plans that invest in better engagement, education and service stand to gain both members and employer clients.”

HR compliance does all three.

It’s Time to Treat HR Compliance as a Competitive Advantage

Don’t let another renewal season go by without offering your clients what they truly need, real solutions to the compliance issues they face every day.

Learn how bundling Mitratech Mineral into your health plan offering can deliver next-level value.