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LaSalle County committee hears midyear health-plan review; consultant flags possible double‑digit renewal
Summary
The Horton Group briefed the LaSalle County Insurance Committee on midyear plan performance, citing rising large claims, pharmacy pressures and a conservative renewal forecast that could require roughly a 20–25% increase without market changes; the committee accepted the report.
LaSalle County Insurance Committee members heard a midyear performance review of the county’s self‑insured health plan and were told the market is unsettled and the county’s 2026 renewal could be steep.
In a presentation to the committee, a Horton Group representative said carriers have struggled to underwrite recent years and that the county has seen more large claimants this year than last. “We are expecting a tough one this year,” the Horton Group representative said, adding that the firm used conservative assumptions for renewal planning.
The Horton Group representative told the committee that, in the firm’s early renewal modeling, stop‑loss costs were estimated to rise about 30 percent and overall renewal pricing could approach roughly 21 percent. The representative also said the county’s stop‑loss experience has included multi‑year reimbursements and that large claims remain the primary driver of year‑over‑year cost increases.
Why it matters: The county’s…
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