Public employee health insurance: Who pays out?

Under a self-insured program, the state would no longer purchase health insurance. The state would pay claims directly and assume the risk.

Gov. Scott Walker is considering changing Wisconsin's state employee insurance from a program in which 95 percent of workers are fully-insured to a program in which all workers would be self-insured.

Under a self-insured program, the state would no longer purchase health insurance. The state would pay claims directly and assume the risk. A commercial insurer likely would administer the program and contract with providers.

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