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Delhi Township HR recommends keeping $75,000 stop‑loss and accepts 14.1% medical premium increase
Summary
Director of Human Resources Melanie Ermes presented Delhi Township's 2025 self-insurance renewal, recommending the township remain with its current stop‑loss carrier at a $75,000 specific deductible and noting a 14.1% increase in premiums driven by recent high claims.
Melanie Ermes, Delhi Township director of human resources, told trustees at the Aug. 13 meeting that the township's 2025 medical self‑insurance renewal will include a 14.1% increase in premiums and recommended staying with the current stop‑loss carrier at a $75,000 specific deductible. "What that means is Delhi Township pays the first $75,000 per covered person's insurance claims," Ermes said. "And then anything after that, the stop loss carrier would cover."
Ermes said the township's insurance broker, Marsh McLennan Agency, solicited quotes from other stop‑loss carriers but none…
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