Competitive Advantages

• Pooled risk for purposes of renewal
• Underwritten by entity to continually attract new groups
• Discounted insurance premium due to pooled group size
• Funded so employers can closely match existing benefit design (union agreements)
• No reserving, state or federal taxing, profit, or mandate costs on the portion that is self-funded
• The impact of renewal is diminished due to shared funding structure
• Dollars that are not spent within the shared funding account are retained by each individual entity
• Renewals are calculated based on claims usage of entire trust
• Protection from bad claims years because of shared risk