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The Greater Tompkins County Municipal Health Insurance Consortium was formed in 2010 under Article 47 of NYS Insurance Law. Article 47 is the only pathway for small employers (less than 50 FTE's) to participate in self-funded, self-insured risk pools which have much lower premiums than they are currently paying.

This action alone saves taxpayers significant sums of money. The Consortium is currently the only Article 47 entity authorized in NYS as a cooperative of towns, villages, cities, and counties.

The 2017 Consortium annual report shows a model that is very efficient in using premium dollars to pay claims expense.

Many state agencies are touting the Consortium as a model 'shared service' initiative. Municipalities in Tompkins and the six contiguous counties are eligible to join the Consortium, and many are doing so.

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