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Brokers & Consultants Case Studies Public Sector
About the Client and Partner
Client Name:
Western Michigan Health Insurance Pool (The Pool)
Industry:
Public Sector, Local Government
Broker/Consultant
Health Insurance Services, Inc.
Challenge
Groups within the Western Michigan Health Insurance Pool (The Pool) needed a new offering for their Medicare-eligible retirees starting January 1, 2026. Several factors—such as the impact of the Inflation Reduction Act (IRA), increased utilization, and aging populations—had put pressure on renewal rates and substantially increased long-term financial liability for non-pension retiree benefits, referred to as Other Post-Employment Benefits (OPEB).
The new Medicare pool needed to achieve these shared goals for its groups:
- Group Medicare savings and reduced OPEB liability
- Offer equal or better health benefits
- Enhance service levels
- Reduce administrative workload for plan staff
- Improve member services and satisfaction
Solution
Several organizations collaborated on a Medicare offering for The Pool: the plan administrator RetireeFirst, the general agent Health Insurance Services (HIS), the insurance carrier Humana, and a consultancy. All worked together on a strategic solution that met every measurement of success for seven groups to date.
“Through our partnerships, we have reduced costs while improving the quality of life for retirees in seven groups within The Pool. RetireeFirst’s award-winning administration and advocacy services have helped elevate the overall healthcare experience and improve satisfaction among all stakeholders.”
Samuel Molnar, President
Health Insurance Services
Group Medicare Savings
By pooling together, groups could secure preferred rates for Humana Medicare Advantage with Prescription Drug Coverage (MAPD) and The Hartford Medicare Supplement plans. Seven groups in The Pool have transitioned in 2026, resulting in an average annual savings of 30%, ranging from 8 to 58%, compared to their current plan’s annual renewal cost. All seven groups also significantly reduced their OPEB liability in compliance with Public Act 202, or the Protecting Local Government Retirement and Benefits Act. For many employers and unions, OPEB liability represents one of the largest long-term financial obligations on their balance sheet.
“The City of Farmington Hills has been extremely pleased with the partnership and support provided by RetireeFirst. Throughout our engagement, the team has demonstrated professionalism, responsiveness, and a genuine commitment to understanding the unique needs of local government. Their expertise has helped us streamline processes, improve efficiency, and better support our retirees. The level of customer service and attention to detail has consistently exceeded our expectations. We value the relationship we have built with RetireeFirst and would confidently recommend their services to others seeking a knowledgeable and trusted partner.”
Lori Brown, Director of Human Resources
City of Farmington Hill, The Pool
