What to do when no HMO plan fits your budget

Many companies start with a budget figure before they have seen what cover actually costs. That is normal. But it can mean that the first time you see real prices, none of them fit.

This guide explains what Yousure now does when that happens, and what you can do next.

What you will see

Before this change, a budget below every available plan could leave you looking at an empty list. Now, if nothing fits your budget when your results load, Yousure moves the price range to the closest plans that do exist and tells you plainly, for example: "No plan fits your budget yet. The closest plans start around this price, so we're showing those instead."

You still see real plans with real prices, and you know exactly how far apart your budget and the market are. From there you can adjust the price range yourself, or talk to an advisor.

Six ways to close the gap

1. Start with employees only

Covering dependants (spouses and children) can multiply the cost. Many companies start with employees only and add families at the next renewal, once the budget is proven. You can change this on the team profile and compare the results.

2. Drop the nice-to-haves

Every benefit you mark as required removes plans that do not include it. Gym and wellness, for example, is valued but rarely essential. Keep the benefits your staff actually use, and see how the price range changes.

3. Check the plan version

The same plan often comes in several versions, such as Individual or Family, and SME or Corporate. They can be priced very differently. Make sure you are comparing the version that matches your team. Our guide to plan versions explains the labels.

4. Compare cost per employee with what you spend today

If you currently reimburse medical bills, pay salary advances for hospital deposits, or hold a staff medical allowance, add up last year's total. Divided by your headcount, it can be closer to an HMO premium than it looks.

5. Phase it in

You do not have to cover everyone on day one. Some companies start with confirmed staff, or with one location, and extend cover as the budget grows. Make the plan clear to your team so nobody feels left out.

6. Talk to an advisor

An advisor can tell you which plans are closest to your number, what you would give up to get there, and whether there is room to negotiate for your group size. It is free, and we are paid the same whichever plan you choose.