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To receive a free copy of this white paper, please provide your contact name and email address at the left side of this webpage. In the Comments field, please list what white paper(s) you would like to receive. A representative from InterLutions will follow up with you via email to provide you with the white paper. We will not use your contact information for any marketing, sales, or solicitation purposes. We will simply ask if your credit union is interested in an introductory phone call to learn about your credit union's employee benefit goals and challenges to determine if our CUSO can help enhance benefits and save costs.

Available White Papers

The C-Suite’s Guide to Enhancing Employee Benefits and Reducing Costs
Medical insurance costs are expected to continue rising at an alarming pace over the next ten years. The insurance carriers will continue to profit from the broken system and vicious trap. To change the course of our healthcare, employee benefits, and medical insurance spending, credit unions need to do something different and better. The power of collaboration among credit unions continues to be a core reason for our success as a movement. A collaborative healthcare model is our best strategy to combat the rising costs of medical insurance and employee benefits.

Insurance Captives: Are They Right for Your Credit Union?
Captives work for some employers but not for others. How can you be certain that you are making the right decision for your organization? If the question is whether a stop-loss captive is right for your credit union, the answer is a qualified maybe. Read this white paper to learn about items you should consider before deciding whether to join a group stop-loss captive.

Optimal Models to Fund Your Employee Benefits: The Pros & Cons of Five Options
Purchasing health insurance for employees varies significantly based on a credit union’s size and risk appetite. This white paper identifies five different funding models credit unions should consider – fully-insured, self-funded (self-insured), level-funded, Association Health Plans (AHPs), or insurance captives – and outlines the pros and cons of each.

Why Association Health Plans Work for Credit Unions
Just as in the very collaborative spirit of the credit union movement itself, AHPs benefit from the strength and unity of their many combined employees. Our data and analytics show that credit union employees are 23% healthier than all other industries when comparing medical insurance claims on a per-employee per-year basis. The bottom line is that credit union employees are among the very healthiest and best individuals to insure, and we need to work collaboratively to give our employees the benefits they deserve. Learn why and how Association Health Plans work for credit unions through this case study.