Member Services: 877-514-2442

Rate Changes

The Cooperative Difference

At Common Ground Healthcare Cooperative (CGHC), we are committed to putting our members first and pursuing better healthcare. In doing so, we strive to provide our members with the best plan benefits possible. Because we put people before profit, any surplus we make is re-invested into our cooperative through improved services, lower member costs or lower increases, and better benefits.

Each year, insurance carriers, including CGHC, have to plan and submit pricing structures for the upcoming plan year. Please see below for the factors that determine our plan pricing. We strive to design our plans with the best pricing options available to secure the future of our cooperative so that we may continue in our efforts to serve our membership.

2019 Rate Changes

Individual & Family Plans

Common Ground Healthcare Cooperative’s 2019 Individual rate change is -18.94%.

The following are significant factors driving the rate change:

  • Single risk pool experience and market-wide morbidity
  • Medical and prescription inflation and utilization trend
  • Prospective benefit changes
  • Changes to taxes, fees, and administrative expenses
  • Changes to contribution to surplus and risk margin
  • Reinsurance impact (Wisconsin Healthcare Stability Plan)

These factors are described in greater detail here.

Small Group Plans

Common Ground Healthcare Cooperative’s 2019 Small Group rate change is 2.00%.

The following are significant factors driving the rate change:

  • Single risk pool experience and market-wide morbidity
  • Medical and prescription inflation and utilization trend
  • Prospective benefit changes
  • Changes to taxes, fees, and administrative expenses

These factors are described in greater detail here.