title: Public sector health insurance trusts.
abstract: Public sector associations have successfully developed and run employee health insurance pools for almost 30 years, providing members with savings and flexibility not available from commercial health insurance carriers. This article looks at the models, technical tools and governance philosophy that have contributed to their success in a very challenging business environment.
authors.affiliation: Jones Management Consulting Inc., Concord, New Hampshire, USA.
authors.forename: Patrick N
authors.initials: PN
authors.lastname: Renaud
authors.forename: Albert C
authors.initials: AC
authors.lastname: Jones
mesh_terms: D000206:Actuarial Analysis; D005249:Fees and Charges; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000458:organization & administration*; D015271:Insurance Pools / Q000191:economics / Q000458:organization & administration*; D018803:Models, Economic; D017150:Public Sector / Q000191:economics*; D020414:Risk Sharing, Financial; D013221:State Health Plans / Q000191:economics; D014481:United States