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UnitedHealth Group Inc. and other U.S. health insurers will soon have company in Maryland: a nonprofit started by a county government that plans to sell coverage at rates as much as 30% lower than competitors.
Backed by $65 million in federal loans, Howard County, a suburban area south of Baltimore, will become the first municipality to establish a nonprofit, member-run health co-op to compete with commercial insurers under a provision in the 2010 Patient Protection and Affordable Care Act.
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In addition to finding success with a self-funded model, an in-house program gives Fello's employees access to cost-free primary and urgent care.
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