Associated School Board Protective Trust

We strive to provide the best coverage and service to our members while keeping costs affordable.

What makes ASB a great choice?

We can work with your school district to design, structure, and administer a benefits plan that includes, health coverage, life insurance, disability, wellness programs, retirement plans, and much more.

Benefits of the Trust

  • Shared risk between similar entities, resulting in equitable rating
  • Membership-Driven and governed cooperative, not an insurance company
  • Comprehensive coverage that encompasses the many needs of members with fewer exclusions
  • School Districts utilizing workers’ comp coverage can extend coverage to school board members at no additional cost to the district

Health Care News

  • It's Not a Repeal and It's Not a Replacement January 23, 2017
    It’s inevitable – the ACA in its current form will most likely not survive 2017.  Republicans are to repeal the law and the House and Senate have already passed several procedural changes to allow for a repeal to take place.  We do know something will happen – we’re just not sure what it will be. Budget Reconciliation and ACA Repeal – How can it be accomplis […]
    Misty Baker
  • Ever heard of an Employer Health Reimbursement Arrangement (QSE HRA)? December 19, 2016
    Ever heard of an Employer Health Reimbursement Arrangement (QSE HRA)? This new form of HRA is designed to specifically allow small groups, those that do not have 50 FTE, to pay for individual health insurance premiums for their employees. The new rules surrounding the Employer Health Reimbursement are complicated and they are set to go into effect January 1, […]
    Misty Baker
  • Things are Heating Up in Trump Tower November 29, 2016
    Things are heating up in Trump Tower, and everybody is watching. As President-elect Trump starts selecting his cabinet, there are some interesting picks to the “dream team” for President-elect Donald Trump. He named a vociferous Obamacare critic and an Indiana policy consultant to help him overhaul the U.S. healthcare system. Republican Rep. Tom Price, an or […]
    Misty Baker
  • NJ Re-Adoption of the Small Employer Rules for 2017 November 3, 2016
    There are a few important parts of this re-adoption that you need to be aware of as they will affect your business... 1. The definition of an Employee has changed to the following: Employee means an Employee of the Policyholder under the common-law standard as described in 26 CFR 31.3401(c)-1.  A common-law employee is one who receives a W2.  An individual a […]
    Misty Baker
  • Carrier Consolidation – An Update October 7, 2016
    Despite all the attention these last few month’s focusing on the Presidential election and the upcoming open enrollment season – activity continues around a number of large insurance carrier mergers. As background, Cigna has agreed to be acquired by Anthem Inc. and Aetna is in the process of acquiring Humana.  Both transactions are currently being blocked by […]
    Michael Gomes