MCN exploring an Association Health Plan

The Minnesota Council of Nonprofits (MCN) is exploring the creation of an Association Health Plan (AHP) for Group Health Insurance that could become available early in 2019.

An Association Health Plan would combine the insurance purchasing power of nonprofits across Minnesota. By joining together, employers may reduce administrative costs through economies of scale, strengthen their bargaining position to obtain more favorable deals, and offer a wider array of insurance options.

This is one of the most frequent requests MCN gets from members – that MCN should develop a pooled insurance plan for nonprofits. For years this has not been possible (and not for lack of trying), but now proposed changes in regulations and the health care market have made creating a plan more feasible.

Hundreds of Minnesota nonprofits participated in a recent interest survey, with the following results:

  • Over 400 organizations responded, representing over 18K full-time employees
  • 33 percent of respondents currently do not offer health insurance
  • 403 orgs responded with a 7 and up (on a scale of 1-10) in their interest of participating in a group health insurance through MCN

What's Next?

MCN will invite nonprofits to participate in a data collection survey in late-summer or fall. We will use this information to negotiate with insurance carriers to get a better sense of the economies of scale we can offer our members. 

To participate in the upcoming data collection, please complete this short interest survey.

Participate in interest survey!

MCN will continue to provide our members with updates on each stage of our AHP exploration process. Stay tuned!

A Brief Timeline

As MCN explores the possibility of offering an Association Health Plan, these are the steps for moving forward. MCN will evaluate the outcome of each step before determining whether to move to the subsequent step. The feasibility of offering an AHP depends on the outcome of each of these steps.

  • Spring 2018: Assess interest of nonprofit sector.
  • Summer/Fall 2018: Gather health insurance experience data from nonprofits.
  • Fall 2018: Submit experience data to prospective insurance carriers.
  • Fall 2018: Receive bids from prospective health insurance carriers.
  • Fall/Winter 2018: Select a carrier.
  • Fall/Winter 2018: Share health plan details with nonprofits.
  • Winter 2018-2019: Eligible nonprofits will participate in open enrollment. (Only nonprofit organizations who are members of the Minnesota Council of Nonprofits will be eligible to participate in the MCN health plan due to federal law.)
  • Early 2019: Pending the outcome of each preceding step, nonprofits will have health coverage under the MCN health plan by early 2019.



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