In 2010, Connecticut passed Public Act 10-174, allowing municipalities and boards of education to join together for the purpose of purchasing employee health insurance. July 1, 2012 a group of forward thinkers in the northeast launched Connecticut’s first health insurance collaborative, the Eastern Connecticut Health Insurance Program, ECHIP. The success of ECHIP paved the way for the creation of another collaborative, the Connecticut Collaborative Health Insurance Program, CT-CHIP. CT-CHIP was developed from the framework of the public act with a focus on smaller municipalities and school districts. CT-CHIP’s objective is to maximize smaller districts and municipalities through partnerships resulting in reduced administrative costs for employee health benefits as a fully insured, medical plan.