The Independent Colleges and Universities Benefits Association, Inc. (ICUBA) is celebrating its 21st year of service to Private Florida Education Employees. The purpose of ICUBA, as a health care cooperative, is to pool the purchasing power of its member schools to reduce the associated costs of insurance, administrative fees, broker commissions, and consulting fees. Currently, individual institutions that are Florida nonprofit, private education employers are taking advantage of the benefits that 4 out of 5 large U.S. employers are already practicing -- self-funding of their health care benefits.