Take Back Control Over Rising Healthcare Costs

The TMC Healthcare Cooperative gives vendors, community banks, credit unions, and independent mortgage bankers a way to fund their own health claims as a group, share risk through a captive structure, and access institutional-grade stop-loss coverage, replacing the fully insured carrier model where rate increases arrive at renewal with no explanation and no recourse.

In a fully insured plan, premiums go to a national carrier regardless of healthcare usage.

The TMC Healthcare Cooperative replaces this with a group captive model: participants pool risk and fund their claims, so money stays within the group.

A captive layer spreads risk; a tough claims year for one participant doesn’t necessarily raise that participant’s renewal cost. Stop-loss coverage caps big claims, protecting members from high costs. Surpluses from better-than-expected claims are returned to participants rather than retained by an insurance carrier.