Coterie Advisory Group

Coterie Advisory Group is an Arizona-based insurance program manager and consultative advisor specializing in developing and distributing Affordability-Based Medical Plans for employers, benefit brokers, and associations. Their flagship products, Fundamental Care® Limited-Day and Fundamental Care® Value Plans, aim to provide cost-effective, ACA-compliant health coverage—particularly for part-time, hourly, seasonal, gig-economy, and independent contractor workforces. These plans are structured to be significantly more affordable than traditional high-deductible health plans, offering no deductibles, first-dollar coverage, and simplified administration, while meeting Minimum Essential Coverage (MEC) and Minimum Value Plan (MVP) requirements.