We have launched the TMC Healthcare Cooperative, a self-funded medical program open to all TMC lender members and preferred partners.
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.
For depository institutions like community banks and credit unions, the program covers all employees, not just mortgage staff.
It pairs this with plan partners for administration, pharmacy and stop-loss coverage, selected through evaluation.
A committee of TMC lender members vetted these partners to ensure the program matches industry-specific costs, workforce traits and business cycles.
Participants see their claims data, control plan design and share best practices with peers.
Exclusive to TMC Members
TMC Healthcare Cooperative
A self-funded medical program built exclusively for The Mortgage Collaborative's members. Instead of buying a fully insured plan and absorbing whatever increase shows up at renewal, members band together to fund their own claims, share risk through a group captive layer, and protect against large claims with stop-loss coverage. It's an institutional-grade self-funding strategy that a mid-size company usually can't access or de-risk on its own.
When claims run better than expected, the surplus comes back to members instead of staying with a carrier.
The captive pools risk across the group, so one member's bad claims year doesn't blow up its renewal. Stop-loss caps the downside.
See your own claims data and understand exactly what's driving your costs.
Administration, pharmacy, and stop-loss partners were selected through a structured evaluation led by TMC members. The group buys as a block.
Build a plan that fits your workforce instead of taking a carrier's off-the-shelf product.
Share best practices, get feedback on organizational challenges, and trade ideas with peers.
Let us know you're interested at mortgagecollaborative.com/
Talk through the program and whether it may be a fit. Zero pressure, zero commitment.
Share a census and recent claims and premium history. CCIG models the captive for you and compares it apples-to-apples with your current plan.
TMC has done the hard part already: building a trusted community of lenders who share a business model, a cost structure, and a set of challenges. Captives work best when the members pull the rope together.
The earlier you engage, the smoother your onboarding.
Taylor Rogers
Executive Vice President
taylor.rogers@thinkccig.com
(512) 422-9269
Rich Hejny
Executive Vice President
rich.hejny@thinkccig.com
(512) 420-7333
