Who is HealthTrust?

For 40 years, HealthTrust has been providing benefits to employers, employees, retirees and family members of the towns, cities, schools, and other public entities (our “Member Groups”) in New Hampshire. Founded in 1985 to exclusively serve New Hampshire’s public sector, we are a nonprofit Member-governed and Member-focused provider of medical, prescription drug, dental, life, and disability benefit plans, health-boosting Well-Being Programs, and exceptional Member and Enrollee services.

Trusted Partner

We exclusively serve New Hampshire’s public sector – trusted by over two-thirds of eligible public employers. Governed by a board of public employers and employees, every decision puts the public sector first.

We Are Nonprofit Organization

As the largest nonprofit public risk pool in New Hampshire, HealthTrust is able to provide high-quality benefits and exceptional services at lower costs and with better outcomes than traditional insurers. We specifically exist to serve the public sector in New Hampshire, supporting those who serve our local communities. As a nonprofit organization, our decisions are made with our Members’ best interests in mind, not those of investors.

In line with our mission, HealthTrust is here to serve every eligible New Hampshire public sector entity; we will not decline to quote any prospective Group when others might. We believe that every Member Group and their employees deserve access to affordable and effective health coverage.

Proven Outcomes

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

What makes HealthTrust both unique and essential is the fact that we will provide policies to all public entities in the state, and we have outperformed major healthcare providers in recent years in cost containment. No other entity can currently and effectively meet these needs in New Hampshire.

HealthTrust provides high-quality, cost-effective medical, prescription drug, dental, life, disability, and ancillary benefit plans. To provide these services, we collaborate with only the best including Anthem, CVS Caremark, Northeast Delta Dental, Personify Heath, Included Health, National Insurance Services, and Madison National Life.

Providing valuable benefits is only a first step; we also educate our Enrollees and Retirees on how they can maximize their benefits, and we provide robust online resources so they can access them 24/7. These efforts help empower Covered Individuals to make informed decisions that can lead to better outcomes, a healthier life for them, and lower costs for all of us.

We are future-focused, providing innovative programs and cutting-edge online resources and engagement tools. Our well-being programs provide the resources Covered Individuals need to achieve optimum health, wherever they are on their wellness journey.

Learn More about what we do.

What is a Risk Pool?

As described by the American Academy of Actuaries, health insurance risk pools are large groups of individual entities (either individuals or employers) whose medical costs are combined to calculate premiums. Pooling risks together allows the higher costs of the less healthy to be offset by the relatively lower costs of the healthy, either in a plan overall or within a premium rating category. In general, the larger the risk pool, the more predictable and stable the premiums can be.

To serve our Member Groups, we use a risk pooling model, which allows public sector entities to join together and share the risk of claims experience. This common and accepted model for developing rates and managing coverage for public entities has been very successful within New Hampshire and nationally for many decades, delivering coverage at a lower cost and with better outcomes than the traditional private insurance market could provide.

In New Hampshire, the law that governs public sector risk pools is RSA 5-B, which notes that risk pooling is an essential governmental function that provides many advantages to people who work in the public sector.

Click the link to view more risk pool advantages.

Our Mission, Vision and Values

Our Mission

To provide high-quality, cost-effective employee benefit products and services for public employers and employees in New Hampshire in order to reduce costs through pooling strategies with a commitment to education, health promotion and disease prevention.

Our Vision

New Hampshire communities’ most trusted partner in achieving optimum health through a culture of wellness

Our Values

Integrity * Service * Collaboration * Innovation

Our Board of Directors and Governance

Members Serving Members: Meet the HealthTrust Board of Directors

The HealthTrust Board of Directors are elected by and truly reflect our Member Groups and Covered Individuals. They are a dedicated, diverse group of volunteers who develop HealthTrust’s strategic goals, make decisions about HealthTrust products and services, ensure HealthTrust is accountable to its Members and that our mission, vision, and values remain at the forefront of all we do.

At any time, at least two-thirds of our Board come from Member Groups that are actively participating in our coverage. Board seats include those for employees, county officials, municipal officials, and school officials. Individuals such as firefighters, teachers, police officers, human resources managers, school business administrators, town managers, and many other individuals who want to make a difference in their community are eligible to serve.

Click here to learn more about our current Board Members.

All HealthTrust Members are encouraged to attend the HealthTrust Annual Member Meeting and Board elections. Each Member Group can cast one vote for each director seat that is open.

Application to the HealthTrust Board

Application

Board of Directors Nomination and Voting Materials

2024 Annual Meeting

Governance

Bylaws

HealthTrust's bylaws are the governing principles by which we do our work. To view the bylaws adopted by the HealthTrust Board of Directors click bylaws.

Meeting Notices

The HealthTrust Meeting Notices section lists dates, times, and locations of upcoming HealthTrust Board of Directors meetings and subcommittee meetings.

Financials

Our pooling strategy spreads high-cost claims dollars out amongst all of the groups, limiting the exposure of any one specific group.

Think of the expression, “There is safety and strength in numbers.” In a nonprofit public risk pool such as HealthTrust, municipalities, counties and schools pool their coverage dollars to create, in effect, their own insurance coverage or to “self-insure.” This collaboration means that each entity incurs less risk and has a greater pool of resources and more protection for handling claims.

The larger the pool, the lower the risk for each individual Group. HealthTrust, as the largest public healthcare risk pool in New Hampshire, can provide greater protection against soaring claims than an employer could obtain individually in the private market. In addition, HealthTrust’s focus on health promotion and preventing injury and sickness helps Covered Individuals stay healthy, contributing to lower costs, reduced absenteeism and increased productivity in the workplace, and stronger communities throughout our state. The Association of Governmental Risk Pools (AGRiP) estimates that, in the long run, risk pool members reduce their cost of insurance by an average of 15-25 percent.

Audited Financial Statements

The HealthTrust Board of Directors and its Finance and Personnel Committee pay close attention to the financial status of the organization throughout the year. In addition, HealthTrust’s financials are audited by an independent certified public accounting firm each year.

HealthTrust’s Fiscal Year (FY) 2024 Financial Statements were audited by the independent auditing firm Johnson Lambert, which issued its opinion on October 23, 2024, that HealthTrust’s financial statements present fairly, in all material respects, the financial position of the organization as of June 30, 2024 and June 30, 2023. The HealthTrust Board of Directors reviewed and formally adopted the Audited Financial Statements.

Posted here are FY2024 Audited Financial Statements pertaining to HealthTrust. For additional information, please contact us at healthtrust-ed@healthtrustnh.org.

FY2024 Audited Financial Statements with Required Supplementary Information

Annual Actuarial Evaluation

HealthTrust's FY 2024 Annual Actuarial Evaluation was performed by Milliman, a leading actuarial firm. The evaluation performed included an assessment of the adequacy of contributions required to fund HealthTrust’s program and the reserves necessary to be maintained to meet expenses of all incurred and incurred but not reported claims and other projected needs of the plan based on sound actuarial methodology and assumptions as to future events.

The annual evaluation included the following attached reports as of June 30, 2024.

Incurred But Not Paid Reserve Report as of June 30, 2024
Premium Deficiency Reserve Report as of June 30, 2024
Capital Adequacy Reserve Report as of June 30, 2024

FY 2025 Year-to-Date Financials

To further its commitment to transparency, the HealthTrust Board of Directors voted at its February 6, 2025 meeting to post quarterly interim (unaudited) financial statements to the public website.

March 2025 YTD Financials

Employment

Why Work for HealthTrust?

In addition to competitive salaries, HealthTrust provides a family-friendly work environment and offers excellent benefits including health, dental, life insurance, short-term and long-term disability insurance, a defined benefit pension plan and a deferred compensation plan, flexible spending accounts, and an on-site fitness center. At HealthTrust, we realize our employees are our greatest resource.

HealthTrust Job Application

Current Employment Opportunities

About Us