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Ethan, with self-insurance, there is no premium to pay, according to the Self-Insurance Institute of America Inc. A question that arises here is “What is a self-insured health plan?”, and is answered at https://www.siia.org/i4a/pages/index.cfm?pageID=4546. Is this the kind of plan you are referring to ? Who is the insurance company, and how does WB Community Health fit in ?

From: Benefits drive high city retiree health costs

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