Best Independent Restaurants Association

A growing number of people in theare uninsured. In 2005, almost 44 million Americans had no health insurance. Although many of those without insurance do have jobs, self-employment, part-time workers, or work low-wage earners find barriers to obtaining coverage - and less than half of all small companies offered health insurance to their employees.

In addition, Insurance carriers often decline to cover people with pre-existing medical conditions, and, if coverage is extended to them, it is usually done so with restrictions, and offered at higher costs than people who are healthy. This can price insurance out of the range of individuals with poor health and create more gaps in coverage that could exacerbate the problems of the underinsured.
Group purchasing power increases the availability to individuals and breaks down barriers to accessing health insurance coverage.With more than $30 billion in worldwide assets, Affinity Health Plans has the strength to provide some of the most comprehensive benefits in the nation. AHP's strategic alliances with insurance providers, managed care networks, brokers, consulting firms and interactive agencies result in optimized member health insurance benefits and delivers the competitive advantages you need to succeed in accessing affordable health insurance. AHP^® is the dominant player in the association health insurance marketplace, providing exceptional health plan value, choice, and solutions to members health insurance needs.

Affinity Health Plans (AHP^®) is the endorsed provider of health insurance for over 200 national associations including the National Federation of Independent Businesses, the American Academy of Neurology, the USA Cycling Association, National Association of Mortgage Brokers, the U.S. Professional Tennis Association, the National Society of Accountants, the National Trust For Historic Preservation and the American Animal Hospital Association.

We are pleased to provide our members with a national group and individual health insurance program with average health insurance savings of 42%.The BIRA Health Benefits Program is issued and underwritten by Assurant Health (formerly Fortis), one of the largest health insurance carriers in the nation. Plan options available to members include: