Health Insurance Plan

The Fargo-Moorhead Home Builders Health Plan & Trust is a self-funded, nonprofit health insurance program available to qualified HBA members. The program offers excellent competitive plans and consistent rate stabilization. Rates are based on the health trust's own claims experience. Fargo-Moorhead Home Builders Health Plan & Trust is designed for HBA members to maximize benefits and keep rates affordable. The uniqueness of the plan is the provider-based premiums, allowing you and your employees to review and select the plan and provider that meets your company's budget. The plan offers health, dental and vision insurance, along with a short-term disability and life insurance policy. Another benefit of participating on the health plan is access to an Employee Assistance Program. The EAP offers short-term confidential counseling for members and their families. If you would like more information, please contact Allison Weckman at the HBA: (701) 232-5846.

Flexible Benefits Plan

A flexible benefits plan allows employees to pay their portion of health insurance premiums and unreimbursed medical and daycare expenses on a pre-tax basis. A flex plan is available to your company at a discount through Discovery Benefits. For more information:

Employer can contact Michelle Larson at (701) 239-6213 or by email at

Participants can contact customer service at (866) 451-3399 or by email at