Alton selects Anthem Insurance with zero increase amid health plan crisis

The Town Council of Alton, NH, convened on May 13, 2025, to discuss significant updates regarding municipal operations, including the acquisition of a new vehicle and changes to employee insurance plans.

One of the key decisions made during the meeting was the approval of a contract for a new truck, with a total cost of $286,515 and a five-year warranty. The council unanimously voted in favor of the purchase, with Ryan Heath designated as the agent to finalize the contract.

The meeting also addressed pressing issues surrounding employee insurance. Following the collapse of the town's risk pool, the council sought new insurance options. Laura and Carol, representatives from the insurance brokerage, presented their findings. They reported that Harvard Pilgrim, the current provider, proposed a steep 19.6% increase in premiums for the next six months, which was deemed unacceptable. Instead, the council decided to switch to Anthem Direct, securing a more favorable deal with no increase for the first six months and a modest 3% increase thereafter, maintaining similar coverage levels.

The representatives assured the council that employees would receive credit for any deductibles already paid, ensuring no financial loss during the transition. Additionally, the council plans to explore options for ancillary benefits like dental and life insurance in the future.

However, the meeting also highlighted potential financial challenges ahead. The New Hampshire Interlocal Trust, which previously managed the town's insurance, is facing funding issues and may require assessments from member towns to cover claims. The council is awaiting legal advice on this matter, as it could lead to unexpected financial burdens for Alton.

Overall, the council expressed optimism about the new insurance arrangement, which is expected to ease budget pressures as they prepare for the upcoming fiscal year. The discussions underscored the importance of proactive measures in managing municipal resources and ensuring employee welfare amidst changing circumstances.