Just a thought but might it be a good idea for the University system to become self insured and handle the health issues themselves. It's a fact that insurance companies make a profit, so is it possible that the University can pay those premiums to itself and pay the medical bills for their employees? I ask this question out of ignorance perhaps, but I do know that being self insured is possible rather than going through an insurance company. I believe that vehicle insurance for the state of Alaska, is a self insured issue already. We can do things smarter maybe!