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Benefits consultants outline potential savings and program options for Boone County health plan
Summary
Consultants from Henry App presented options to reduce Boone County's health plan costs—citing possible prescription‑drug and stop‑loss savings—and described programs used by Whitestown; the board took no action at the meeting.
Consultants from Henry App presented to Boone County commissioners July 21 on potential changes to the county employee health plan intended to reduce costs and improve employee benefits.
Ryan Secor introduced Chad Berto, director of benefits, who described several nonproprietary options the firm says can produce near‑term savings for the county and employees. They cited estimates—derived from high level claims data—of $90,000–$125,000 in potential prescription‑drug savings from an outsourcing program and about $98,000 in potential stop‑loss premium savings if purchased through a consortium rather than as an individual buyer; the presenter said other stop‑loss purchasing changes could raise savings toward $150,000. They also described a voluntary structure the firm calls a "net‑zero" plan intended to shift some enrollments to lower‑cost coverage in a way that they said could save thousands per enrollee depending on participation.
The presenters referenced Whitestown as an example client that adopted similar measures and reported a reduction in year‑one costs and lower year‑over‑year increases thereafter. They said any changes would be optional for employees and that the county would need to provide an agent‑of‑record letter and allow sufficient lead time ahead of the 2026 renewal to implement changes. Commissioners and the insurance committee discussed the figures and noted previous requests for claims analysis prior to past contract action; no vote or contract was taken at the meeting.
