Improving Utah State University\u27s Healthcare Plan

Utah State University provides health insurance for 10,400 people (3,500 contracts). Employees of the university who qualify for this insurance have the option to pick one of 2 plans, Blue or White. Utah State essentially self-insures these plans, and Blue Cross Blue Shield administers them. This means that the university has a reserve set up to pay the medical claims of all of the people covered by these plans and bears most of the risk associated with providing this insurance. Some of the risk is transferred from the university to the covered individuals through deductibles, coinsurance, and copayments. The rest of the risk not born by the university is covered through reinsurance