Board Discusses Health Insurance Renewal Options Amid Rising Costs

The Cameron County Commissioner’s Court convened on August 19, 2025, to discuss critical issues surrounding the county's health insurance renewal and potential changes to their stop-loss insurance policy. The meeting focused on the current insurance offer and the implications of a looming deadline for proposals.

The discussion began with concerns about the existing stop-loss insurance rate, which was initially approved at $2.2 million but has since increased to $2.8 million. Officials expressed discomfort with the current rate and indicated a desire to negotiate it down to $200,000 or even $175,000, which they believe would be more competitive. However, they acknowledged the challenge of meeting a September 1 deadline for new proposals, noting that underwriters typically require at least three weeks to assess the program.

A key point of contention was the potential need to send a notice of non-renewal to the current provider, Aetna, if the county decides to pursue other options. The court discussed the procedural steps necessary to terminate the existing offer, which was approved in April, and the implications of doing so while awaiting new bids. It was clarified that the county has the right to decline the renewal or accept it based on the proposals received.

The conversation also highlighted the urgency of the situation, as the court has only one meeting left in August to finalize decisions. Officials noted that the current offer from Aetna, despite being higher than anticipated, must be carefully considered against any new proposals that may come in.

In conclusion, the meeting underscored the complexities involved in the county's health insurance negotiations, with officials aiming to secure a more favorable rate while adhering to tight deadlines. The next steps will involve soliciting proposals and making a decision on the renewal status in the upcoming meeting.