Mountain Top Healthcare Program

A program for LLCEDC members that's affordable, accessible and effective!

Program Basics

Did you know, less than 50% of small businesses in the US offer healthcare? 

At the LLCEDC, we would like to change that for business owners and employees in Lake County, Colorado.

The Leadville Lake County Economic Development Corporation’s (LLCEDC’s) Mountain Top Healthcare Program, in partnership with the Small Association Leadership Alliance (SALA), is a comprehensive and cost-effective alternative to traditional plans. This new program offers affordable, accessible, and effective healthcare options for LLCEDC members – both businesses and individuals alike. The Mountain Top Healthcare Program provides a high-quality, affordable healthcare solution for employers, employees and sole-proprietors. While not health insurance, the program provides 100% coverage for preventative care, options for co-payment features with 100% coverage, and addresses catastrophic or unforeseen medical expenses.

Please note that this program is not insurance. It is an alternative solution that features a choice of two preventative care plans, each coupled with a medical cost sharing program to cover unexpected or catastrophic events. Participants can expect to save as much as 60% when compared to traditional health insurance!

The Mountain Top Healthcare Program, in partnership with SALA, is one solution to the high cost of healthcare in the mountain region!

Key Takeaways:

  • Available to businesses AND individuals

  • Available to full-time, part-time and seasonal staff

  • Lowers healthcare costs by as much as 60%

  • Offers a choice of two high-quality, affordable healthcare solutions

  • Includes a four (4) year “Rate Lock” – offering rate stability in a very unstable market*


      *For rate lock details, please click on the FAQ icon below. 

How It Works


Your step-by-step guide to the Mountain Top Healthcare Program:

  1. Be a LLCEDC member in good standing.

    • Businesses, Sole Proprietors, and Individuals (up to 5 employees) can participate with a membership at or above the $250 level. Businesses with 6 or more employees wishing to participate must be at the $500 or greater membership level.

  2. Watch the informational webinar. Viewing the webinar will be the best introduction to this program and will help you understand the documents and resources below.

  3. Explore the program & plans. Click on the icons below to explore plan details, coverage specifics, FAQ, Key Terms and real-world savings examples!

  4. Decide if this program is right for you, your family, your employees or your business.

    • If it’s the right fit, continue to step 5

    • If it isn’t, don’t be discouraged – the LLCEDC and our partners are committed to expanding the Mountain Top Healthcare Program. We will continue to pursue more options and ways to fill coverage gaps.

  5. Fill out the Mountain Top Healthcare Program Application. Once we have verified your membership, a LLCEDC representative will provide next steps to complete enrollment.​ Please email to receive MTH application.






Explore the Mountain Top Healthcare Program


Medical Cost Sharing is not health insurance. Before replacing health insurance with a medical cost sharing plan, it is critically important to understand the requirements and restrictions for members. For example, most medical cost sharing organizations exclude or limit the amount eligible to share for pre-existing conditions. Accordingly, Medical Cost Sharing Group Plans are not appropriate for groups of 50 or more where employees with pre-existing conditions might not be covered and the employer could be subject to a tax penalty. Likewise, there are exclusions for irresponsible behavior, including an accident or sickness related to drugs or alcohol. The website for each organization has the necessary detailed information to enable an informed decision.

The application for medical cost sharing has a limited number of health history questions, but all potential members must agree with and attest to statements including: “I agree to refrain from the usage of any form of illegal substances.” Accordingly, medical cost sharing plans are not for everybody, but a practical solution to managing costs for health-conscious individuals.

Medical cost sharing is not insurance where a premium is paid and the risk of major medical expenses are assumed by the insurance company. In medical cost sharing the patient deals directly with the doctor or hospital without the interference of an insurance company actuary. Secondly, the patient becomes a responsible, cost-conscious consumer rather than only being responsible for a co-pay and no concern what is charged to the insurance company.

The Mountain Top Healthcare Program is not insurance. This means the state’s consumer protections and oversight of the operation of the plan do not apply. The amounts to be paid to the plan are not insurance premiums and therefore are not regulated. The promise of future benefits is not guaranteed and thus the State of Colorado’s Guarantee Fund does not apply.

The general information provided here has been taken from reliable resources. However, Leadville Lake County Economic Development Corporation does not provide insurance, legal or tax advice. We recommend that you seek competent legal advice for any questions on the forms and applications that you are required to sign to apply for membership to a medical cost sharing organization. The Mountain Top Healthcare Program is not insurance and the Leadville Lake County Economic Development Corporation is not an insurance agency or provider. This program is sponsored by the Small Association Leadership Alliance with Minimum Essential Coverage (MEC) plans provided by Apex Management Group and a Medical Cost Sharing program provided by Sedera Health.