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Texas Association of Counties presents plan‑year 2026 health options; county weighs dual‑plan buy‑up to curb rising costs
Summary
TAC consultants reported Aransas County’s health plan has run over a 100 percent loss ratio and presented four alternate plan options, including dual‑plan proposals that would have the county pay the employee‑only premium on a lower‑cost base plan while offering the current plan as a buy‑up employees may pay for.
Texas Association of Counties (TAC) consultants Lacey Jones and Beryl Patel presented Aransas County with plan‑year 2026 health‑benefit renewal options during a Commissioners Court workshop, reporting that the county’s multi‑year loss ratio has exceeded 100 percent and offering alternate plans, including a dual‑plan structure, to reduce county premium contributions.
Jones told commissioners the TAC health and employee benefits pool uses 48 months of claims history and that Aransas County’s 12‑month loss ratio is about 110.6 percent and the 36‑month loss ratio is about 115.13 percent. She said those figures mean the pool is paying more in claims than it is receiving in contributions for county enrollees.
The consultants outlined four alternate plan structures. One option would use a Blue Essentials Network (BEN) plan as a lower‑cost base and keep the county’s current 1,100 NGS plan as a buy‑up. TAC recommended a dual‑plan approach that has the county pay 100 percent of the employee‑only premium for the…
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