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  1. Unlike traditional health insurance, state insurance departments do not regulate ERISA health benefit plans.
  2. Nearly 70% of employees who have health coverage in the U.S. are now enrolled in some sort of self-funded plan.
  3. The employer’s claim exposure is protected via an “Aggregate Stop Loss Fund (ASLF)” owned by the SBA CoOp Employer Members.
  4. The SBA CoOp is as a Non-Profit “AGENCY” Cooperative Corporation that buys and sell products or services but acts as the “Legal Collective Agent” of all the Cooperative Members to facilitate advantageous contractual relationships for and between the members.
  5. The SB/A Cooperative is considered which of the following:
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