Ohio Government Benefit Cooperative (OGBC) is a joint self-insurance program of Ohio political subdivisions formed under Ohio Revised Code Section 9.833, for the purposes of maximizing benefits and/or reducing costs of medical, prescription drug, vision, dental, life and/or other group insurance coverages for the member political subdivisions’ employees and the eligible dependents and designated beneficiaries of the employees. OGBC was established by written agreement effective December 1, 2017 and organized to commence activities for the plan year beginning January 1, 2018. OGBC has grown from 2 member cities at the time of its organization to 9 member cities today.

OGBC offers a member city a choice of two different self-funding methods for its benefits: “fully funded” or “self-funded.” A member city’s funding method may not be changed more often than once every three years.
 
If a member city elects to be “fully funded,” the city pays to OGBC a fixed monthly amount based on the number of employees enrolled in the types of coverage offered by the city. OGBC is responsible for the payment of all claims incurred by, and properly payable on behalf of, the fully funded member city’s participants and, upon withdrawal of the fully funded member city from OGBC, OGBC is responsible for the payment of all benefit claims run-out for the city, in accordance with OGBC’s governing documents.

If a member city elects to be “self-funded,” the city pays a fixed monthly administrative fee and stop loss premium. The self-funded member city is responsible for the payment of all claims incurred by, and properly payable on behalf of, the city’s participants, less any claims paid under stop loss coverage. Upon withdrawal from OGBC, the self-funded member city, not OGBC, is responsible for the payment of all benefit claims run-out for the city.