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Member Facilities and Medical Groups: A California JPA

A risk management joint powers authority (JPA) like BHG Risk Management Authority enables district, county, city, and nonprofit healthcare facilities to self-insure their liability claims and losses by pooling risks among similar healthcare facilities. While traditional insurance companies also "pool" their risks, the JPA structure offers four distinct benefits over other risk-financing mechanisms:

• Members design and control the program free from California Department of Insurance regulation
• The program pays no state premium tax
• The program pays no state or federal income tax
• The program has no shareholders to influence decisions

 
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