As a nonprofit organization without shareholders or investors, we are not profit driven and keep costs low.

For 40 years, we have provided health benefits to New Hampshire public sector employers. Governed by a board of public employers and employees, every decision puts the public sector first.

As New Hampshire’s largest nonprofit risk pool, we leverage our size to negotiate better rates, lower fees, and innovative coverages.

Valuable pooling features blend the experience of individual Member Groups with that of the overall pool, reducing individual Group volatility.

By applying best practices, innovation, diverse benefits, and robust well-being programs, we create healthier communities and more affordable premiums year over year.