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Grace College & Theological Seminary 09 10 061809 FINAL DOC Grace Form

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hi I'm bill kada president of grace College and Seminary in Winona Lake Indiana we're a Christian liberal arts college with undergraduate and graduate total of about 2,000 students central to our mission would be our faculty and staff and certainly for the last several decades we've followed the model of many nonprofits we were self-insured but over the last several years it was becoming tougher and tougher to predict where we're gonna be there was just this big number staring us in the face and that's the cost for health insurance and not only was it a big number it had to have a huge question mark next to it it was very very tough to predict where it's going to be in our situation we might go from 2 million to 3 1 or 3/2 and that's on a 40 million dollar budget that's that's a huge percentage of our budget and I just believed there had to be a less expensive way to still meet their health care needs remodel health agreed to meet us at the offices and what started with supper at 6 o'c

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