Stable Health Insurance for Minnesota Public Entities
Critical challenges for public employers include not only rising healthcare costs but also attracting and retaining public service employees. Accessible healthcare plans are an opportunity to overcome these hurdles to benefit both employer and employee.
As a force multiplier, we provide stable group health insurance solutions that allow public entities to lead employees to their highest state of wellness.
The cornerstone of the Better Health Collective’s healthcare plans is stability. Together with our leaders, advisors, and brokers, we’re proud that the Better Health Collective can offer better answers.
The Collective is an innovative public risk pool tailored to the needs of its member-owners, protecting them from wild fluctuations in the price of health insurance. In addition to financial transparency, the efficient management of our plans frees up staff time to pursue your organization’s mission.
“Being on our own scares me because, when you’re this size, it just takes one or two people and you’re going to get a big increase.”
- Jeremy, teacher
How it Works
The Better Health Collective allocates risk among its member organizations through prudent pool management. For decades the Collective has provided members with more stability through a Culture of Wellness and rate caps.
Our wellness programs are proven to generate better employee engagement resulting in improved well-being and reduced risk for high healthcare claims.
Transparency
Participating members are the owners and play a key role in the pool’s financial strength. Members have ongoing access to expense information and meet regularly to discuss performance.
To help reduce the risk of high claims, the Better Health Collective provides robust employee wellness programs that encourage healthy behaviors and identify health concerns before they escalate. From an HR perspective, these programs promote employee engagement, recruitment, and retention.
Member groups benefit from reduced time spent running the renewal bidding process, greater control over rates, and program management.
“They will get a very, very educated team leader to help them navigate whatever question it is… We don’t use a bank of call center people to answer questions.”
- Deb, benefits consultant
The Power of Wellness Programs
The Collective focuses on attracting and retaining employees in public sector entities while engaging members in a Culture of Wellness to help deliver more affordable health insurance. We invest in the health of the members to lead to an overall increase in healthy members.
