What Is A Cooperative?

Cooperatives are businesses that are owned and run by their members. By joining a cooperative, members increase their purchasing power and access to buy or sell goods and services at a fair price, as well as get a share in the profits.

The Benefits of Joining a Cooperative

Cooperatives seek to maximize benefits to its members who participate in the cooperative. For The Alliance, that means focusing on helping employers achieve savings on health costs. When a cooperative makes a profit, it returns a portion of it back to each member based on the level of their participation. This is what we refer to as our Cooperative Shareholder Benefit, or patronage dividend, paid to our members annually.

Joining The Alliance cooperative grants you exclusive partnerships, initiatives, and programs offered by The Alliance to help you improve the health and wellness of your employees and manage your health costs and benefits.

What Makes The Alliance Cooperative Different?


The Alliance serves as the voice for self-funded employers who are tired of traditional health care and want more control over their costs. We provide transparent, creative approaches to network and benefit plan design to unlock savings where others can’t – or won’t – using Smarter NetworksSM and sophisticated data mining and analysis. (Learn more about self-funding here.) 

We are a health-purchasing coalition made up of more than 285 employers across the Midwest, where our members leverage their claims data and purchasing power to negotiate more value when buying health care. As a not-for-profit cooperative, The Alliance is employer-owned and remains a trusted, objective partner for employers and their brokers who seek improved access to high-quality healthcare at lower costs.


As part of The Alliance, our members play an important role in keeping costs down, because the more members we serve, the better we are able to negotiate higher-quality care at lower prices. Additionally, sharing ideas and concerns with The Alliance and other like-minded employers and brokers allows us to innovate the way health care is bought and sold. By joining The Alliance, you’ll also have the opportunity to serve on our Board of Directors (or vote to elect them), and receive a portion of The Alliance profits as part of our Cooperative Shareholder Benefit.

Partnerships, Programs, and Products

Here’s a few initiatives and partnerships you’ll gain access to as part of The Alliance cooperative:




"The Alliance has proven to be a true partner with the same goals of our organization"

– Kevin Lamp, Fall River Group