Proprietary Trust Programs


Products and Services | Proprietary Trust Programs

By design, the Trust consists of similar groups of businesses with similar risks and exposures. This allows for offset or minimization of the fluctuations in pricing over the long term. Essentially, the Trust can provide long-term premium stability unlike traditional insurance companies who combine many different types of risks. The plans are fully underwritten which will end the subsidization currently taking place in the industry for lower risk groups.  If you are an average-to-above-average group in terms of company health, you will benefit from rates based on your specific risk characteristics and not the general population.

Choice- Medical benefit plans designed for businesses like yours including traditional PPO plans, low-cost defined benefit plans and HSA/HRA options