Who We Are

Who We Are

Established in 2006 and administered by The Benecon Group, the Pennsylvania Municipal Health Insurance Cooperative (PMHIC), serves all Pennsylvania local government groups and related agencies. Municipal groups across the Commonwealth have joined PMHIC in order to gain transparency, savings, and stability for their health insurance. By joining together, local governments can save money and benefit from Benecon’s group purchasing power. Today, PMHIC has more than 285+ member groups.


One of the best features of the PMHIC program is its local governance. The PMHIC Board of Directors is comprised of current PMHIC members who are PA municipal managers or other administrators. The PMHIC Board partners with Benecon to provide the overall administration, independent actuarial services, account management, and compliance guidance.

In most cases, PMHIC members are even able to keep their current networks and benefit offerings since the cooperative partners with the trusted networks like Capital Blue Cross, Highmark, Independence Administrators, and United Healthcare.


pmhic benefit

Since its inception, PMHIC has provided the member groups low and stable renewals compared to the marketplace. PMHIC members also benefit from 100% surplus retention in which they keep and control any unused claim fund dollars at year-end reconciliation. Steady, transparent renewals and the opportunity for a yearly surplus have resulted in a sustained 98% retention rate within PMHIC.

If you’re looking for the safest, most cost-effective solution to fund your municipal health benefits, turn to PMHIC. Through PMHIC, you’re protected in both the “good” and the “bad” claim years. PMHIC allows you to enjoy long-term savings, transparency, and complete control over your healthcare spending.


As a member of PMHIC, you will:

  • Retain premium dollars that typically go to the insurance carrier; Keep any unused claim fund dollars with 100% surplus control
  • Enjoy the lowest admin fees in the marketplace
  • Experience low, stable renewals
  • Effectively position your municipality to secure multi-year savings
  • Obtain low-cost dental, vision, life, and disability coverage through PMHIC’s special ancillary offers

  • Have flexibility in choosing the network and plan design that works best for your employees
  • Understand what drives your pricing and renewals since PMHIC actuaries are independent of the insurance carriers and work directly for you
  • Have a voice in decisions that impact the cooperative



  • Be entitled to nurse navigation and wellness consulting services (tobacco cessation, nutrition consulting, and more) through Benecon’s sister company, ConnectCare3
  • Receive administrative support through finance, compliance, and account management decisions, taking the burden off of your admin staff.

Stability . Full Transparency . Low Admin Fees