Provided by Fringe Benefit Group

Hourly employees get the insurance they want.

For more than 40 years, The American Worker has specialized in benefits for hourly employee groups — a turnkey solution serving 200,000+ members nationwide.

Explore our solutions
Illustration of a doctor talking with a patient in an exam room
Why The American Worker

A great value, perfectly designed to meet your needs

Creating a benefits program for hourly employees comes with unique challenges: geographically dispersed locations, high turnover, and employees with inconsistent hours or wages. We help you navigate those complexities and build a program that works for you and your team.

From our headquarters in Austin, Texas, we provide best-in-class benefits from national carrier partners, combined with unmatched communication and enrollment services, plus premium collection and billing solutions that make offering benefits easier for employers and employees alike.

More about us
40+
years simplifying benefits
200K+
total lives covered
700+
broker & agent partners
Thousands
of employers nationwide
Markets We Serve

Benefits tuned to your workforce

We build programs around the realities of high-turnover, hourly, and part-time teams — so the right people get covered, and the admin doesn't land on you.

Our Solutions

Personalized options, combination packages

Tailored plans supported by versatile enrollment — call center, on-site, or online — paired with streamlined billing, outstanding customer service, and efficient claims processing.

MEC Plans

Preventive care covered at 100% in network, with prescription savings and price transparency.

Learn more

Minimum Value Plans

Comprehensive and visit-fee based designs that meet minimum value requirements for less.

Learn more

Direct Primary Care

Membership-based primary care with unlimited visits — no claims to file and direct access to a doctor.

Learn more

Limited Benefit Plan

Fixed payments toward doctor visits, x-rays, lab work and hospital stays, with no deductible.

Learn more

ICHRA

Employees choose a marketplace plan; the employer reimburses part of the premium.

Learn more

Specialty Benefits

A full spectrum of ancillary benefits — dental, vision, disability and more.

Learn more

Prescription Benefits

Affordable copays on generic and brand-name prescriptions, plus discounts and a pharmacy pricing tool.

Learn more
Our Services

Guided by more than 40 years of experience

We employ technology and proven proprietary systems to deliver benefits with minimal burden to our clients and their employees.

Claims Administration

Claims administration performed in-house for faster, more responsive service.

Learn more

Premium Administration

Payroll and billing administration that keeps your benefit program on track.

Learn more

Easy-to-Use Portal

Enrollment and administration in one secure portal, available 24/7.

Learn more

Employee Tools

Self-service access to health and specialty plans from anywhere.

Learn more

Support

A dedicated account team and tracked support requests at every step.

Learn more

Communications

Enrollment communications that explain the program and address common concerns.

Learn more
Our Customers

Take care of your workers and your business

Quality medical and supplemental benefits for hourly workers, compliance with government mandates, and a budget that stays intact — tools and products that let you do all three.

Employees

Benefits that work for your budget and your lifestyle. Affordable coverage that’s easy to understand and even easier to use.

Learn more

Employers

A stable, supportive, fully integrated system that provides insurance without complicating your job.

Learn more

Producers

Ready-made solutions for hourly employees, by way of customized plans from top national carriers.

Learn more