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A Better Way to Fund Employee Healthcare and Uncover Real Solutions
Built exclusively for academic institutions by educational institutions, edHEALTH brings together colleges, universities, independent schools, charter schools, and academic research institutions to take greater control of healthcare cost, risk, and performance.
Member-owned and governed. Transparent. Flexible. Member choice. Collective strength. Shared success.
THE edHEALTH ADVANTAGE
Why edHEALTH
Independent, Not Alone
edHEALTH provides the strength of a coalition without requiring every member to use the same healthcare strategy. Members maintain flexibility while benefiting from shared expertise, data, purchasing power, and financial protection.
Institution-focused Healthcare
Traditional insurance arrangements often leave schools with limited visibility, limited influence, and little opportunity to benefit from favorable performance. edHEALTH offers another path. edHEALTH institutions access negotiated stop-loss, pharmacy, data, and healthcare solutions.
Self-Funding with Strength Behind It
edHEALTH combines institutional flexibility with the financial protection and purchasing power of a member-owned coalition. Individual institutions select their own healthcare plan design, administrator, provider network, and level of retained risk.
The edHEALTH Captive
Member institutions pool a defined layer of risk through their jointly owned stop-loss captive.
Reinsurance Protection
Additional coverage protects the program from exceptionally large claims and aggregate volatility.
Data-Driven Decisions and Insight
edHEALTH and our member-owners use claims analytics, benchmarking, and program reporting to make more informed decisions that set the right path for greater cost-control and sustainability.
Shared Strategy
Members benefit from collective purchasing, transparent data, specialized expertise, and ongoing collaboration. The result is a healthcare funding strategy designed to provide greater control, greater visibility, and more sustainable long-term performance.
A Flexible Model
edHEALTH works with multiple administrators and network arrangements and offers two pharmacy benefit solutions. Institutions retain flexibility while participating in the core programs that create results-driven coalition value.
Your Advisor Is Welcome Here
edHEALTH is advisor-agnostic. We work collaboratively with each institution and its chosen broker/advisor. There are no commissions, overrides, bonuses, or hidden revenue embedded in any edHEALTH pricing. We have a well-managed and low expense ratio.
THE PROCESS
How edHEALTH Works
1. Retain
Each institution selects a level of risk aligned with its size, experience, and risk tolerance.
2. Share
The member-owned captive pools a layer of risk across participating institutions.
3. Protect
Reinsurance provides protection against large and unexpected claims.
4. Improve
Shared data, collective purchasing, and member collaboration create opportunities for better decisions and better outcomes.
OUR MODEL
Member-Owners, Not Customers
edHEALTH brings together educational institutions that believe risk can be managed more effectively through ownership, transparency, and collaboration.
Members combine their purchasing power, share risk through a group stop-loss captive, contribute to governance, evaluate emerging risks, and help shape the programs and partnerships that support their employees. Profits are returned to member institutions.
GET IN TOUCH
Take a More Strategic Approach to Healthcare
Discover whether edHEALTH could be the right fit for your institution.
2026 Highlights
Check out these highlights from our 2026 edHEALTH annual member meeting in Norwood, Massachusetts. Members from across our network came together for a day of connection and shared learning.
The strength of edHEALTH has always come from the collaboration of our members, and this year's meeting was a powerful reminder of what we can accomplish together.
