North Carolina Health Insurance Pool

Member-owned, mission-driven healthcare solution for North Carolina’s local governments.

The North Carolina Health Insurance Pool empowers North Carolina’s local governments with a superior healthcare solution.

A history of stable results.

Since 2018, NCHIP has been pioneering healthcare solutions for North Carolina’s local governments, with unmatched experience and expertise.

What started out as a 7 member insurance pool covering 3,000 employees has grown into a 39 member pool covering over 12,000 employees.

And year over year? Our groups are besting the national renewal average by 6%.

Our Mission

To give control back to North Carolina local governments when it comes to the cost, design, and administration of the health plans they offer their employees — all while offering high-touch, concierge consultation and support.

Our Vision

To create the most innovative, cost-effective, and valuable benefit plan offerings for North Carolina governments — to improve employee health and wellbeing so we can better serve the communities in which we work, live, and play.

Why NCHIP?

Long-term sustainable solution

Transition from short-term fixes to a lasting healthcare strategy. NCHIP focuses on long-term sustainability, ensuring your healthcare solutions evolve with both your needs and the changing healthcare landscape.

Surplus retained by members

Your financial contributions are reinvested for your benefit. With NCHIP, surplus funds are retained by members, putting dollars back into the communities we serve.

Superior healthcare product

Benefit from our industry-leading healthcare contracts. Our members gain access to top-tier pharmacy and stop-loss contracts, catering to large-scale healthcare needs with efficiency and quality.

Predictable stabilized premiums

Enjoy peace of mind with stable premiums. NCHIP's strategic approach to healthcare pooling minimizes the impact of large claims, allowing for more predictable budgeting and financial planning.

Actionable member analytics

Make informed decisions with our comprehensive analytics. NCHIP's data-driven approach ensures that members have the insights needed to optimize healthcare strategies and outcomes.

Innovative cost containment

Stay at the forefront of cost-saving healthcare innovations. NCHIP offers access to advanced medical and pharmacy cost containment programs, ensuring optimal financial efficiency.

Maximum plan design flexibility

Craft a healthcare plan that aligns with your unique needs. With NCHIP, you have the autonomy to design a plan that best fits your employee population, ensuring maximum satisfaction and coverage.

Unmatched size and expertise

Rely on our proven expertise and scale. NCHIP's extensive network, covering over 17,000 lives and managing over $140 million in healthcare benefits, positions us uniquely to deliver exceptional healthcare strategies.

100% member retention

Join a community with a strong track record of satisfaction. Since our inception, NCHIP's transparent model and aligned member goals have resulted in a 100% retention rate, reflecting our commitment to member success.

By the numbers

39
members

100%
member retention

12k+
employees

2%
NCHIP annual renewal average

We put you in the driver’s seat.

With NCHIP, you’re no longer at the mercy of carriers year over year. Our bylaws are written in a way that ensures the Pool is 100% member-owned and run.

Governance

NCHIP is a member owned trust. The decisions our members make focus on the health and financial sustainability of our communities and the people who serve them.

Members

All new members must be reviewed and approved by the NCHIP Board of Trustees. The Gallagher consulting team will assist in creating a health risk profile for each prospective new member.

Board of Trustees

Each member organization appoints a primary and secondary delegate to serve on the NCHIP Board of Trustees.

The NCHIP Board meets once a month (virtually) and once a year for an in-person NCHIP Summit and Board Meeting.

Executive Committee

The Board of Trustees elect an Executive Committee every two (2) years. The Executive Committee serves NCHIP by providing leadership, strategic direction and offers recommendations to the full board for consideration.

In addition, NCHIP has committees to focus in areas of wellness, cost containment, investment and operations. Members from the Board of Trustees serve on these committees.

Plan Design

Members have full plan design autonomy. Your local government is unique, and with NCHIP, you can offer a plan fully customizable to your group’s unique needs.

Underwriting

Gallagher is responsible for underwriting the renewals for our current members. In addition, Gallagher takes lead on underwriting new, prospective members.

Meet the NCHIP
Executive Committee

Our Partners

Member Feedback

Gallagher does an exceptional job managing the pool, keeping our rates low and adding benefits that all members of the group hopefully benefit from. I feel our group has a great working relationship with the Gallagher team. Their team brings a lot of knowledge, expertise, and value to NCHIP in addition to working hard for each of the member groups.

NCHIP brought our county stable insurance premiums, in an otherwise volatile market. In addition, the insurance rates are presented very early in the calendar year, a tremendous help when creating our budget. Numbers aside, it's the people of NCHIP that truly make the difference; customer service from team has been impeccable and we couldn't ask for anything more.

NCHIP provides the Town an opportunity to benefit from being self-insured with the added security from sharing risk. We receive renewals in January that help us make budget and plan design decisions well before the open enrollment timeframe. We have experienced manageable renewals averaging 2.1% over the past 5 years.

NCHIP has had a tremendous and immediate impact on the Town of Wake Forest for the following reasons: our budgeting process has become more efficient and effective — making it much easier with managed and controlled cost. They've also increased buying power with selected vendors, which has allowed the Town to have more input and impact on the overall cost of services. We also love the transparency to our leaders and employees and increased ability to educate both groups on all aspects of benefits.

NCHIP is revolutionizing the public sector health insurance market with unparalleled buying power and innovative ideas. Clear, concise data analysis is paving the way for a healthier future.

Member-owned, mission-driven healthcare solution for North Carolina’s local governments.

A history of stable results.

Our Mission

Our Vision