About Us

About the Rensselaer-Columbia-Greene Health Insurance Trust



To provide health insurance and prescription drug benefits at lower costs through a pooled purchasing agreement. The Trust has a group insurance contract with the insurance carrier. It is considered a public entity risk pool which is defined as a cooperative group of governmental entities joined together to finance exposure, liability or risk.

The R-C-G Health Insurance Trust was formed in 1985 under Section 501(c) 9 of the Internal Revenue Code. Currently 19 School Districts and Questar III BOCES participate in this Trust.



Seven Trustees are elected by the Trust membership, each serving three-year terms. Each member School District casts one vote. Five Union members from member School Districts serve the Board as advisory members.

About our Trustees and Advisors


Benefits of the R-C-G Health Insurance Trust

  1. Vendor Management
    • Aggressive procurement (i.e. administrative fees, outpatient imaging costs)
    • Audits
    • Performance standards
    • Focused renewal process
  1. Population Health Management
    • Wellness and health management (i.e. health risk assessments)
    • Metrics provide a deep understanding of our population and how it compares with national benchmarks
    • Condition management
  1. Plan Design and Network Management
    • Data-driven and value-driven plan design (i.e. number of emergency room visits)
    • Effective cost share
    • High performance network incentives and penalties