Each piece is broker-ready — no Northgate hard sell, just the program mechanics your clients need to see. Additional gated materials live in the Broker Toolbox.
Two plain-English guides written to hand straight to an employer or an employee — clear on the mechanics, honest about what a plan does and doesn't do.
How group GAP fills the space between the medical plan and the member's out-of-pocket exposure — deductibles, coinsurance, and copays — so a covered claim doesn't turn into a surprise bill.
DownloadWhat the §4980H(a) and §4980H(b) penalties actually cost, and how MEC and MVP plans respond — a clear walk-through of the two-part mandate for employers with variable-hour and part-time workforces.
DownloadEverything you need to quote, present, and place a Northgate program is behind a single sign-in. Access is reserved for appointed brokers and consultants.
The mechanics behind the guides above — the mandate, the penalties, and the space GAP is built to fill — in generic, education-first terms.
Triggered when an applicable large employer doesn't offer Minimum Essential Coverage to substantially all full-time employees. MEC plans are designed to satisfy this offer requirement.
Applies when coverage offered isn't affordable or doesn't meet the minimum-value standard and an employee receives a subsidy. Minimum Value plans are built to meet that standard.
GAP coverage sits alongside the medical plan and pays toward deductibles, coinsurance, and copays — the gap between what the plan covers and what the member would otherwise owe.
Plan updates, regulatory notes, and platform releases — written for brokers, no filler. Add your work email to subscribe.
For broker and consultant use. We never share your information — distributed exclusively through licensed brokers.
Appointed brokers reach the full gated collateral in the Broker Toolbox. Not appointed yet? Request information and we'll get you set up.
