We deliver supplemental health insurance solutions designed to enhance ordinary health benefits for your key people.

We bring supplemental health insurance solutions to brokers, partners and employers to help solve common business and workforce problems. Our legacy is built on our executive medical reimbursement insurance plan, Ultimate Health. Today, we offer targeted benefit solutions that employers can provide to specific employee classes to improve retention and reduce turnover risks. What hasn’t changed is our unwavering commitment to service, our ability to drive innovation and our belief that insurance should be used and loved. Learn more about us.

FEEL Empowered

Solve real workforce problems with our uncommon solutions.

Watch Now

Plans Designed to Work For You

Plans that Fit

Select from various plan types and levels of coverage to meet employee needs.
Learn More


Offer to a select group of employees; ACA nondiscrimination provisions don’t apply.
Learn More

Tax Efficiency

Give more take-home value than a comparable raise while paying less (no payroll taxes incurred).*
Learn More


Layer on top of all types of primary plans, including High Deductible Health Plans, at any time of year.
Learn More

*This is not local, state or federal tax advice as each person and company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.

Benefits That Matter

Stay in control of your benefit budget while accommodating the needs of an increasingly diverse workforce. See how our range of supplemental health insurance plans can help you to accomplish your goals. View our products.

Increased Coverage Gaps

Address the financial stress of increased coverage gaps so your employees can stay focused and productive.

Workplace Stress

Help employees deal with stress, whether they are working on-site or remote, with targeted mental health benefits.

Generational Shifts

Deliver the flexibility needed for different generations with healthcare benefits that ebb and flow with life stages.

Boost Benefits to:


Deliver the right benefits to the right people by leveraging primary and our unique supplemental plans together.


Take a fresh look at tax-efficient* benefits as part of compensation or incentives.

Recruit & Retain

Gain an edge to compete against companies that can offer flexible schedules or higher salaries.

See How It Works

* This is not local, state or federal tax advice as each person and company is unique. It is recommended that you seek the independent counsel of a professional tax adviser.

ArmadaCare Insights

See more articles
Executive Health

Myth Busters: Are Executive Medical Reimbursement Plans Dead?

    Read more
Benefit Trends

Focus on Well-Being to Reduce Employee Turnover & More

In 2019, over 80% of employers planned to increase wellness and well-being budgets – double the amount from a decade ago.1 But how does this relate to reducing employee turnover? There are no two ways about it: employee well-being affects any company’s bottom line. A company’s success depends on cultivating a workforce that operates efficiently […]

Read more
Complementary Benefits

3 Ways Expense Reimbursed Insurance Fills Coverage Gaps More Effectively

Coverage gaps are a constant in today’s world of health insurance. It’s common for companies to try to fill coverage gaps with supplemental ‘gap plans,’ also known as indemnity-based voluntary insurance, like hospital indemnity and critical illness insurance. Unfortunately, this type of gap-filler isn’t always effective due to several shortcomings. There is another type of […]

Read more
Benefit Trends

Quiet Quitting: What Employers Need to Know, and How to Address It

First came the Great Resignation. Now we’re seeing quiet quitting or, as it’s also been called, “acting your wage.” Here’s what employers need to know about this trend, and how to counter it by making employees feel valued, respected and invested in shared success. What is quiet quitting? Quiet quitting refers to employees doing the […]

Read more