What's the Employer Coalition?

The Employer Coalition is an insurance program for fully insured businesses and organizations who want to work together to make health benefits sustainable for everyone involved.
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It’s built on three big ideas:
POOLING
​Participating groups benefit from the stability of a pooled product 
HEALTH CARE CONSUMERISM
​Plans, tools and initiatives to help employees make choices that drive down costs
COLLECTIVE DECISION-MAKING
Employers collaborate on shaping benefits with insight and guidance from LMC

Is the Employer Coalition right for my company?

The Employer Coalition is for fully insured employers who are actively engaged in providing quality health benefits to their employees — and who are looking for new solutions to increase stability and control costs.
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It may be right for you if:
You’re a fully insured employer with 
51 – 500 employees
You want more control over decisions that impact health costs
You’re committed to providing quality health benefits and willing to pay at least 50% of the total plan premium
You understand change doesn’t happen overnight and therefore agree to participate for at least 3 years
You’re open to working with other like-minded employers to collectively drive down costs
LEARN MORE
You’re open to working with other 
like-minded employers to collectively drive down costs
You understand change doesn’t happen overnight and therefore agree to participate for at least 3 years

Why can I trust the Employer Coalition?

To think beyond your current coverage situation takes a leap of faith.
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Fortunately, the Employer Coalition is powered by two of the most respected entities in the insurance industry. LMC Insurance & Risk Management coordinates the coalition and provides thought leadership, consultation and guidance. The plan itself is administered by Wellmark® Blue Cross® and Blue Shield®.​
​LMC has over 150 years of experience delivering strategic solutions — including decades of work with multiple-employer pools. We manage and consult one of the two grandfathered MEWA plans in Iowa. We consult one of the only  cooperatives in the state. And, we consult the largest PEO in the Midwest. Now, we’re excited to bring a multiple employer pool solution to you.
​As the largest health insurer in Iowa and South Dakota, Wellmark has a long-cultivated reputation for stability and ease of member experience. As part of the Blue Cross and Blue Shield Association, they are sought out for the depth and breadth of their network, with coverage at 96 percent of hospitals and 95 percent of physicians nationwide.