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Palm Coast staff recommend 10% health insurance increase; council asks for cost models before budget vote
Summary
City staff and Brown & Brown recommended a roughly 10% aggregate increase for the 2025–26 employee health plan, plan design changes favoring the HSA option, and closing the PPO to new enrollees; council asked staff to model budget impacts and alternatives before adopting final rates.
City staff and broker Brown & Brown presented the city’s 2025–26 employee health plan renewal and recommended a roughly 10% aggregate increase for the coming year, with plan-design changes intended to steer employees toward the HSA option.
Danielle Boyle of Brown and Brown told council, "the increase this year is looking at a 10% in aggregate," and described plan-level drivers: rising medical trend (7–10%), pharmacy trend (10–13%), and a small number of very large claimants. City staff and Brown and Brown said two members…
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