County previews 2026 health insurance rate increases and proposes recurring HSA contributions

The Ways and Means/Operations committees reported on Sept. 23 that Peoria County’s contracted health insurer (IPBC) proposed an average 9.1% premium increase for 2026 and that the county intends to continue employer contributions to employees’ health savings accounts (HSAs).

Why this matters: Changes in premiums and employer subsidy levels affect employee take‑home pay, benefits selection and the county’s budget for personnel costs.

Details presented: • Premiums and subsidy: The committees said the 2026 premium adjustment averaged 9.1% across plan tiers; the increase varies by coverage type (single, two‑person, family) and by plan option. The county’s health insurance advisory committee reviewed the options and endorsed rate adjustments. The county also plans to continue subsidizing family coverage to keep costs reasonable for employees. (Speaker: Member Ricker) • HSA contributions: The board reviewed a recommendation to continue a one‑time employer HSA deposit for employees enrolled in qualifying high‑deductible plans for 2026. The amounts carried forward from the prior practice were presented as $750 (single), $1,000 (two‑person), and $1,500 (family) to assist employees choosing the high‑deductible option. (Speaker: Member Ricker) • Timing: The resolution will come to the full board next month and annual open enrollment for employees is scheduled for mid‑November. (Speaker: Member Ricker)

Discussion vs. decision: Committees unanimously approved sending the rate adjustments and HSA contribution recommendation forward for board consideration; the full board will consider formal adoption at the next meeting.

Ending note: Committee members reported positive employee feedback about the insurer’s network expansion (more provider options) and said continuing HSA contributions helps employees weigh the high‑deductible plan option.