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County insurance advisers recommend plan changes, $250,000 reserve use to limit a projected 24% spike in medical costs
Summary
County insurance broker told commissioners the county's medical claims are driving a projected 24% funding increase for 2026; the insurance committee recommends plan design changes and using $250,000 from the county reserve to reduce the increase to about 12.1%, with employees sharing part of the cost.
Grand County commissioners heard a presentation on Thursday recommending changes to the county's employee health plans to blunt a large projected increase in medical funding for 2026. Kelsey Heller of Hub International, the county's insurance broker, told the board the county's medical program is running well above budget because overall utilization rose and two very high-cost claimants generated roughly $1.07 million in claims between them.
The insurance committee's proposal would use $250,000 from the existing medical reserve and make plan design changes — including removing the county's EPO option and modestly raising deductibles on the PPO and high-deductible plans — to…
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