What type of coverage is typically offered through a Multiple Employer Welfare Arrangement (MEWA)?

Multiple Employer Welfare Arrangements (MEWAs) are designed to provide health care benefits to employees of multiple employers, typically small businesses or those in similar industries. The key purpose of a MEWA is to allow smaller employers to band together to help provide competitive group health insurance coverage that might otherwise be unavailable due to size or cost constraints.

MEWAs can offer group health coverage that includes a range of services such as medical, dental, and sometimes vision care. By pooling their risk together, the participating employers can potentially achieve lower premiums and better negotiating power with insurance providers. This collaboration helps ensure more employees have access to comprehensive health benefits, which is crucial for attracting and retaining talent in their respective organizations.

In contrast, the other types of insurance mentioned—auto, life, and homeowners insurance—do not typically fall under the framework of MEWAs. These types of insurance generally cater to individual needs or are provided through different arrangements that don’t involve multiple employers pooling together for group coverage. Therefore, the correct response regarding the coverage typically offered through a MEWA is group health coverage.