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Logan County keeps health plan and wellness incentives after market review
Summary
The fiscal court approved a suite of health‑benefit contracts and a county wellness program that maintain current employee coverage levels and incentives, after committee review of claims and reinsurance options.
The Logan County Fiscal Court voted to continue the county’s partially self‑funded health plan with administrative services from Anthem and reinsurance placed with Symetra, and to retain the current health reimbursement arrangements and wellness incentives for fiscal year 2025–26.
Members of the county insurance committee told the court that claims trended down following a high period in late 2023 and early 2024, that the county’s self‑insured reserve stands at about $1.9 million, and that marketing the reinsurance piece helped avoid a large increase in the county’s overall costs. “Long story short, we’re about $110,000 less than what we paid last year,” a committee member said after broker review of market responses.
On motions approved by the court, the county will: continue a partial self‑funded plan using Anthem for administration and Symetra for reinsurance; contract with Capstone for benefits administration and HUB International for claims analytics; maintain the HRA at $2,000 annually for employees and $4,000 for employee+dependent/family; and continue employer‑paid Anthem vision insurance at the same coverage levels. The court also contracted Integrated Corporate Wellness Solutions at $9,600 for the county wellness program, which runs July 1, 2025, to April 30, 2026. Employees who complete the wellness requirements keep county‑paid insurance and earn up to two paid days off (which may be sold); employees who do not complete the program will have a $25 monthly deduction for their employee portion of coverage.
The court emphasized that the county will retain a healthy reserve to stabilize future premiums and to avoid abrupt budget shocks if coverage levels change. Commissioners and staff asked county administration to research what excess reserve funds may legally be used for in future budgets. All motions to continue contracts and programs passed on roll calls with yes votes from the members present.
