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New Berlin staff urge move to self-funded health plan to avoid projected 30% premium spike
Summary
At a June 10 Committee of the Whole meeting, human resources staff outlined a plan to shift the city's employee health insurance to a self-funded model to blunt a projected more-than-30% premium increase for 2026; the committee was asked to allow staff to continue vendor negotiations with a decision targeted for August.
Melissa, a presenter from the human resources department, told the Committee of the Whole on June 10 that the city is considering moving its employee health insurance from a fully insured product to a self-funded plan to avoid an expected sharp premium increase for the 2026 renewal.
"We have to pull the trigger in August if we're gonna go self funding in order to get it implemented by January 1," Melissa said, summarizing the timetable and the implementation work required.
The presentation framed the change as a budget-driven response: HR projected the city's 2026 renewal could exceed a 30% premium increase if the carrier enforces standard loss-ratio targets, compared with a 20% increase currently budgeted. Melissa said the city's claims experience drives the projection: the plan has about 20 members with more than $50,000 in…
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