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Jefferson County reviews health-insurance renewal; broker outlines options to limit 2026 increase
Summary
County insurance broker presented renewal scenarios including network narrowings, higher deductibles and raising the stop-loss specific deductible; commissioners asked for combined scenarios and more price detail before selection.
Jefferson County commissioners heard a detailed presentation on possible changes to the county’s self-funded health plan and stop-loss arrangements, with the county’s broker laying out several options to reduce an estimated 2026 premium increase. The presentation focused on a choice between higher fixed costs or accepting more variable aggregate liability, plus network and plan design changes that could cut the insurer's proposed increases.
The county's broker presented Blue Cross and other carrier renewal numbers and said that, as of August, the county's plan stood at about a 108% loss ratio versus the target of 85%. That gap, the presenter said, explains carrier recommendations to raise the aggregate and consider changes to plan design. The broker described eight Blue Cross options and additional offers from SelectHealth and others: (1)…
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