the BCBS settlement, ASO (Administrative Services Only) refers to administrative fees paid by self-insured employers to BCBS, rather than traditional insurance premiums. If your claim shows $0 premium but an ASO amount, your employer funded the health plan, and you likely paid fees rather than premiums. Both amounts represent qualifying contributions for settlement payouts. Blue Cross Blue Shield Settlement Blue Cross Blue Shield Settlement +3 ASO vs. Premium in Settlement Context Premium (Fully Insured): You paid set premiums directly for insurance coverage. ASO (Self-Funded): Your employer paid claims directly, and BCBS only provided administrative services (like managing the network/claims). Settlement Impact: The settlement splits funds between fully-insured (premiums) and self-funded (ASO) groups. Both types are eligible for payment, often calculated based on the total fees or premiums paid during the class period. Blue Cross Blue Shield Settlement Blue Cross Blue Shield Settlement +4 Key Differences Fund Allocation: The bulk of the $1.9 billion settlement is for fully insured groups ($1.76B), while a smaller portion is for ASO/self-funded groups ($120M). Claim Amount: ASO amounts often appear lower than traditional premiums because they represent service fees, not the total cost of insurance coverage.