Advantage Health Plans Trust (AHPT) is a self-funded health benefits program established to serve employers in Oklahoma and surrounding states. Founded as a multiple employer welfare arrangement (MEWA), the trust provides healthcare coverage solutions primarily to small and medium-sized businesses. The organization operates under the regulatory oversight of the Oklahoma Insurance Department and follows guidelines set by the Employee Retirement Income Security Act (ERISA). AHPT’s business model allows member employers to pool their resources and share risk, typically resulting in more stable premium rates compared to traditional insurance models. Advantage Health Plans Trust offers various healthcare benefit options, including medical, dental, vision, and prescription drug coverage. The trust implements cost-containment strategies such as reference-based pricing and direct provider contracting to manage healthcare expenses for its members. Their service model includes access to a provider network, claims administration, and customer service support for plan participants. The trust maintains its headquarters in Oklahoma and serves employers across multiple industries, with a particular focus on agricultural cooperatives and rural businesses. AHPT utilizes a third-party administrator to process claims and manage day-to-day operations of the health plans. The organization emphasizes transparency in healthcare costs and works to provide member employers with detailed analytics and reporting tools.