Health Insurance Health Insurance

In 1993 the schools, cities, counties and other governement agencies in Resource Training & Solutions created a Joint Powers pool and a self-insured minimum premium arrangement to purchase group health insurance.  
  • Resource Training & Solutions became the fiscal host and began to assume the claims liabilities arising from the self-insured pool. Sites have benefited by participating in the most economical purchasing arrangement, (self-insured) with lower administrative and risk charges. 
  • In addition to lower costs, funds left over after paying claims in the self-insured arrangement are returned to the sites, held in reserve or used for pool activities including wellness programs.  
  • Resource Training & Solutions provides dedicated staff who have worked with advisory committees to create a number of programs to assist sites, including VEBA trust and administration, worksite wellness, wellness incentives, HR communications, ACA workshops, and the new Clear Cost healthcare management tools. 

Top Ten Advantages of Membership in the Resource Insurance Pool

  1. Members benefit by paying lower administrative charges and premiums through the Resource Pool self-insured arrangement.
  2. Member Sites have received millions in refunds since the pool began.
  3. Risk charges are lower due to spreading the risk across all members by using pool reserves built up over the years.
  4. Employees have set aside and saved over $100,000,000 currently held in VEBA and HSA pre-tax accounts, by adopting consumer directed high deductible health plans, statewide.
  5. Members receive a Blue Cross Blue Shield best services agreement through Resource with performance guarantees that provide the largest network of providers in Minnesota. 
  6. Sites may rely on Resource dedicated staff to assist with group health plan administration, Affordable Care Act compliance assistance and HR responsibilities.
  7. Sites and their employees are eligible for innovative and effective wellness programs created by Resource. 
  8. We insure a healthier workforce by facilitating successful wellness programs. The result is a lower number of absences and fewer visits to the doctor, which keeps insurance premiums lower than average.
  9. Resource provides Sites with a Human Resources (HR) website, newsletters and alerts providing the most up-to-date HR, Health Care and ACA regulatory information.
  10. Resource will be providing Clear Cost, health care management online tools. These new tools are designed to help employees shop for lower cost prescription drugs and medical services and save money, without changing medical providers or going outside the BCBS network.

This is a step-by-step process designed to take pool members through the 2017 PCORI fee payment process. 
IRS 720 PCORI Instuctions
IRS Form 720
Q&A for CCOGAs on PCORI taxes
Q&A for Schools on PCORI taxes