The North Dakota Public Insurance Trust is a public, member-owned, board of trustees governed VEBA (Voluntary Employee Benefit Association), and a non-profit Trust. The trust is designed for public service employers who care for and desire to provide the best quality benefits to their employees at a fraction of the cost. Our goal is to provide hope, strength, and a helpful lifeline for our valued public service workers through exceptional healthcare and wellness programs.

As a self-funded medical insurance program, it is owned by its members (ND public entities: cities, counties, municipalities, school districts), which means assets and surpluses are owned and retained by trust members as opposed to being owned by an insurance carrier or other 3rd-party. NDPHIT provides ND public entities with more control over their health insurance and employee benefit programs, as well as improved rate stability, efficiency, and better employee choice.

What are the benefits of participating in the Trust?

Competitive pricing and benefits:
NDPHIT member groups get competitive group insurance rates based upon a large group purchasing pool, easier participation requirements, and more flexibility to cover existing health conditions.

Ease of administration:
Billing is consolidated for all NDPHIT lines of coverage, and NDPHIT member groups have access to an online enrollment platform and powerful reporting tools. Additionally, benefit communication pieces, enrollment technology, and access to employee benefit counselors at initial open enrollment is provided at no cost and coordinated for Trust member groups and employees.

Local oversight and local support:
The NDPHIT Board of Trustees is represented by ND member groups, who are always focused on the core mission of the Trust to provide competitive and affordable health care and benefit program offerings to its members.

Better employee experience and choice:
Dental, vision, life, and many other ancillary products are available at large group discounted rates and without minimum participation requirements.

Non-grandfathered health plans with NDPHIT provide over 125 preventative services at no cost to the member like annual physicals, colonoscopies, mammograms, child immunizations, etc.

The NDPHIT Wellness Program provides employees and dependents with access to health coaching for a variety of health concerns, as well as a robust reward program that encourages members to work toward achieving better overall health.

NDPHIT partners with best-in-class service providers to provide an overall more comprehensive benefits program solution.