pmhic
- Company typePrivate
- Founded2006
- HeadquartersLititz, United States
- Headcount—
- GTM typeB2B
- OfferingServices
pmhic firmographics
Firmographics- Name
- pmhic
- Legal name
- Pennsylvania Municipal Health Insurance Cooperative
- Website
- https://pmhic.com
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Ownership category
- akta.pro rank
pmhic industry classification
Industry- Product category
- Municipal Health Insurance Cooperative
- NAICS
- Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)
- SIC
- Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Global Health Financing Mechanisms & Pooled Funds (HLAJAOAC)
Keywords
Where pmhic is headquartered
LocationHeadquarters
- HQ city
- Lititz
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
pmhic business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Self-funded health plan administration: PMHIC operates as a self-funded cooperative where member municipalities pool resources to fund health benefits. Revenue is generated through administrative fees charged to member groups. Members retain 100% surplus from unused claim funds at year-end reconciliation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Self-funded municipal health insurance cooperative membership |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
pmhic product offering
Product offeringCore offering
PMHIC operates a self-funded group purchasing cooperative that pools Pennsylvania municipal governments to collectively fund health benefits. Members pay administrative fees, retain 100% of unused claim fund dollars at year-end reconciliation, and access major carrier networks (Capital Blue Cross, Highmark, Independence, United Healthcare), ancillary coverage (dental, vision, life, disability), and stop loss protection through administrator The Benecon Group.
Product overview
PMHIC is a self-funded group health insurance purchasing cooperative for Pennsylvania municipalities, established in 2006 and administered by The Benecon Group. The core offering is a self-funded health benefits program that provides transparency, savings, and stability through collective purchasing power. PMHIC offers a modular portfolio of ancillary products including dental, vision, life, and disability coverage, all available through group purchasing arrangements with partner networks including Capital Blue Cross, Highmark, Independence Administrators, and United Healthcare. Additional administrative services include COBRA, HRA, and HSA administration, with stop loss coverage provided through Benecon's infrastructure. Wellness support through nurse navigation and wellness consulting is delivered via ConnectCare3. The program supports over 285 member groups with 100% surplus retention and independent actuarial services.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 285+ municipal groups participating in cooperative
- +3 more outcomes
Companies that use pmhic
Customer profileNamed customers8 records
Segments1 record
Ideal customer profiles1 record
pmhic technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
pmhic partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- The Benecon GroupcorePMHIC is developed and administered by The Benecon Group. Benecon provides overall administration, independent actuarial services, account management, and compliance guidance. With nearly 30 years of experience and 98% client retention rate, Benecon is the premier administrator of self-funded programs for municipal cooperatives.
- Capital Blue CrosscoreOne of the major network providers partnered with PMHIC. Members can choose Capital Blue Cross based on their group's location for health insurance network access.
- HighmarkcoreMajor network provider partnered with PMHIC. Members can select Highmark based on geographic location for healthcare network access.
- United HealthcarecoreNational network provider partnered with PMHIC. Members have flexibility to choose United Healthcare as their network administrator.
- Independence AdministratorscoreRegional network provider partnered with PMHIC. Members can select Independence Administrators based on their location and preferences.
- ConnectCare3minorBenecon's sister company providing nurse navigation and wellness consulting services including tobacco cessation and nutrition consulting to PMHIC members.
- PCHIPC (Pennsylvania County Health Insurance Cooperative)minorBenecon's specialty cooperative program for Pennsylvania Counties, similar to PMHIC's municipal focus. Power of group purchasing leveraged through membership in both cooperatives.
- IIC (Intermunicipal Insurance Cooperative)minorBenecon specialty cooperative for Lancaster and York-based municipalities. Similar program structure to PMHIC providing group purchasing power.
- PSHIC (Pennsylvania School Health Insurance Cooperative)minorBenecon specialty cooperative for Pennsylvania Public School Districts. Group purchasing power shared across Benecon cooperative programs.
Scale indicators6 records
pmhic competitors and assessment
Company assessmentDirect peers
- PCHIPC (Pennsylvania County Health Insurance Cooperative): Benecon-administered self-funded cooperative for Pennsylvania counties, structurally identical to PMHIC but serving county governments instead of municipalities; the closest direct comparator in the same Benecon portfolio.
- PSHIC (Pennsylvania School Health Insurance Cooperative): Benecon-administered self-funded cooperative for Pennsylvania public school districts. Same operating model, governance structure, and stop-loss/reinsurance backbone as PMHIC, but serving K-12 employers.
- Intermunicipal Insurance Cooperative (IIC): Benecon-administered self-funded cooperative focused on Lancaster and York County municipalities. Highly comparable structure and value proposition to PMHIC, sharing Benecon's admin and actuarial resources.
Regional players
- MIIA (Massachusetts Interlocal Insurance Association): Massachusetts-based member-owned insurance pool serving municipalities, schools, and other public entities. Operates the same pooled-procurement-plus-self-funded concept as PMHIC, but in a different state.
- NJM Insurance Group: Mutual insurer serving New Jersey public entities, including municipalities and schools. Comparable public-sector focus and member-aligned structure, though organized as a mutual carrier rather than a self-funded cooperative.
Others
- The Benecon Group: PMHIC's administrator and strategic operating partner; provides actuarial, compliance, account management, and stop-loss infrastructure. Not a competitor, but the platform layer that enables PMHIC's offering.
Broad incumbents
- Capital Blue Cross: Major Pennsylvania-based health insurer and one of PMHIC's network partners. Competes for the same PA municipal health-benefit spend through fully-insured and ASO products, but at much larger scale and broader portfolio.
- Highmark: Large regional insurer and PMHIC network partner. Serves PA municipalities directly with traditional and self-funded products, representing both a partner channel and a competitive incumbent.
- UnitedHealthcare: National health insurer with a public-sector segment and a PMHIC network partnership. Competes at scale with broad product breadth, while PMHIC differentiates through cooperative governance and surplus retention.
- Independence Blue Cross / Independence Administrators: Regional Pennsylvania insurer and PMHIC network partner. Offers ASO and fully-insured options to PA public-sector employers, overlapping with PMHIC on the same buyer base.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
pmhic social profiles
Digital presencepmhic financial estimates
Financial estimateRevenue estimate
Valuation estimate
pmhic leadership team
Management profileNumber of profiles
Profiles11 records
pmhic funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
pmhic M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about pmhic
What does pmhic do?
PMHIC operates a self-funded group purchasing cooperative that pools Pennsylvania municipal governments to collectively fund health benefits. Members pay administrative fees, retain 100% of unused claim fund dollars at year-end reconciliation, and access major carrier networks (Capital Blue Cross, Highmark, Independence, United Healthcare), ancillary coverage (dental, vision, life, disability), and stop loss protection through administrator The Benecon Group.
Is pmhic a public or private company?
pmhic is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was pmhic founded?
pmhic was founded in 2006.
Where is pmhic based?
pmhic is headquartered in Lititz, United States, in the North America region.
How does pmhic make money?
One revenue line is on record: self-funded health plan administration.
Who are pmhic's main competitors?
Direct peers on record are PCHIPC (Pennsylvania County Health Insurance Cooperative), PSHIC (Pennsylvania School Health Insurance Cooperative) and Intermunicipal Insurance Cooperative (IIC). Regional players are MIIA (Massachusetts Interlocal Insurance Association) and NJM Insurance Group. The Benecon Group is listed as an others. Broad incumbents are Capital Blue Cross, Highmark, UnitedHealthcare and Independence Blue Cross / Independence Administrators.
Does pmhic have an API?
No public API is recorded for pmhic.
What industry is pmhic in?
pmhic's product category is Municipal Health Insurance Cooperative. Its primary akta.pro industry code is HLAJAOAC, Global Health Financing Mechanisms & Pooled Funds. Its NAICS code is 525120 and its SIC code is 6324.