AIA uses many creative strategies to keep down costs while still providing good health insurance benefits to employees. Strategies can include one or more of the following options:

• Health Savings Accounts (HSAs)
• Health Reimbursement Accounts (HRAs)
• Flexible Spending Accounts (FSAs)
• Dual-option
• Four-tier rates
• Alternate Deductible Finance (ADF)
• Self-Funded plans
• Partially Self-Insured plans

AIA works only with A-rated health insurance companies, including:

• Aetna
• Allied
• Assurant
• Blue Cross and Blue Shield of Texas
• Cigna
• Humana
• John Alden
• Majestic
• Principal
• Standard Security
• Trustmark
• United Healthcare
• Pacificare