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Insurance review: district weighs GHC provider disruption, self‑funding not financially viable now
Summary
The Human Resources Committee reviewed responses to an insurance request for information and was told self‑funding would raise plan costs roughly 26.7%; remaining fully insured options narrowed to Group Health Cooperative (GHC) with provider disruption or Dean Health with higher cost but continuity of providers.
District staff told the Human Resources Committee they received limited responses to a request for information about 2025–26 employee health coverage and that the available offers narrowed the district to two practical fully insured options and several self‑funding proposals.
"The best of these offers...would be an increase in district costs or plan costs...of 26.7%," said Brian, the staff presenter, summarizing replies from self‑funded administrators and local carriers. He said most national carriers and several local carriers declined to respond; among self‑funded respondents, BenefitMall, Lucent, Prairie States and AMPS replied, while some…
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