Coryell County interviews three vendors for employee health plan; Curative offers $0 deductible model

Coryell County Commissioners Court on Thursday conducted interviews with three finalists for RFP 25-03, the county's request for proposals for an employee health insurance plan. Representatives from Baylor Scott & White, the Texas Association of Counties (TAC) health pool, and Curative presented plan features, pharmacy arrangements and wellness services during the special meeting; county officials asked about participation, network coverage and enrollment support. No contract award or formal vote was taken at the meeting.

The interviews mattered because the county's choice will affect employee premium costs, out-of-pocket exposure and where residents and county staff can get in-network care. Each presenter emphasized different trade-offs: Baylor Scott & White emphasized continuity (they are the incumbent and proposed a rate pass with pharmacy-tier changes and wellness programs); TAC emphasized pooled purchasing and long-term rate stability through Blue Cross Blue Shield of Texas and Navitus; Curative pitched a more disruptive approach that removes deductibles and co-pays for members who complete an initial onboarding visit.

Jessica Waits, client manager for Baylor Scott & White, told the court the incumbent proposal is a rate pass for the coming year and includes a pharmacy redesign…