Starting a new association group health plan.

[Guest mjm2950]

I am working with an association of attorneys. The association has about 1500 members in 48 states. Currently each member is obtaining their own medical coverage. The association would like to offer a group medical plan to member attorneys. Does anyone have any suggestions on what insurance companies might consider such a group?

[mroberts]

None unless the group forms a MEWA or self-insured trust and makes itself subject to the same rules that would apply to any other employer. Insurance carriers aren't interested in writing association plans because at the end of the day they are always a loser. The young healthy individuals will get healthcare through a spouse or on their own while the older, unhealthier individuals will cling to the association.