Overview of the Model

From unfunded mandates to reduced state aid, government entities are facing budget challenges like never before. Add to that the fact that salaries and benefits account for nearly 75 percent of most local budgets.

More than anything else, public entities continue to be overwhelmed by the unpredictable and staggering costs related to their health insurance programs. Every penny spent on health insurance means fewer dollars for sustaining existing programs and services, and fewer to introduce new initiatives.

Across the board, public entities are pressured to do more, with less. So, why should a health insurance plan be any different? Why should premiums spike unexpectedly and without explanation? Why shouldn’t public entities be rewarded for a strong claims history? Why shouldn’t there be local control? Why should the goal be a quick fix, rather than a long-term sustainable solution?

There is an answer — Health JIFs.