Skip to content

Collaborative Health Plans

From captives to association plans, our CUSO offers several pooled health plans to meet the needs of all credit union shapes, sizes, and locations.

Why Insurance Captives?

The I-Care Captive is an exclusive group of credit unions banding together to purchase insurance more efficiently. Throughout the last five years credit unions participating in the I-Care Captive have saved millions of dollars through collaboration. Pooling together with a group of peers reduces the volatility of medical insurance premiums. Stop-loss insurance costs are also significantly lowered when credit unions have the negotiating power of a larger group.

Why Association Health Plans?

Association Health Plans (AHPs) expand access to affordable health coverage, especially for employees of small organizations. These collaborative plans make it easier for credit unions to band together and provide lower cost, "large company" health insurance plans. In 2019, InterLutions successfully launched an Association Health Plan for small and mid-sized credit unions. The AHP launched with over 500 insured credit union employees and delivered on average of 12% in cost savings.

Client Feedback

UP Federal Credit Union

“They worked hard to find us affordable premiums and good coverage.”

Karyn Davis
President/CEO

Oakdale Credit Union

“We love how easy I-Care was to setup and track our employees’ insurance options.”

Colleen Woggon

Co-op Credit Union

“The partnership with their team is exceptional.”

Michele Steien
Chief Talent Officer

Iron County Community Credit Union

“Working with InterLutions was one of the best decisions I made!”

Mark Marczak
President/CEO

Marshfield Medical Center Credit Union

“We saw a decrease in premiums and the benefits improved tremendously.”

David Murphy
President/CEO

N.E.W. Credit Union

“The I-Care team has been great to work with.”

Lisa Gilligan
President/CEO

Fox Communities Credit Union

"Flexibility of plan design made I-Care the best option for us.”

Terri Green
VP HR

Vizo Financial

“It’s a whole different level of support.”

Janice Appleby
CHRO

Industry Partners

More Solutions

I-Care: HR Solutions

BenAdmin systems, HSA platforms, compliance services, claims data, and more.

Small Credit Union HR Solutions

Competitive plans helping small credit unions deliver high-quality benefits at lower costs.

Business Member Benefits

Build new revenue streams and deliver value-add solutions to your business accounts.