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Lubbock ISD health-plan update: claims trending, projected premium scenarios and an $855,000 projected shortfall if only prior premium commitments applied
Summary
District staff reported April claims trending at an 83.9% loss ratio and presented 2026 premium projection scenarios; with current assumptions the district would face an estimated $855,000 deficit unless the board approves additional premium or plan-design changes, officials said.
Lubbock ISD health-plan staff delivered a status update on district medical, dental and prescription coverage and presented preliminary premium scenarios for 2026.
Lisa (benefits staff) reported claims through April show a maximum claims loss ratio of about 83.9% (goal under 87%). Projected paid-claim totals presented were roughly $27 million for 2025 and $29 million for 2026. The district…
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