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Board sends three medical carriers to best‑and‑final round after RFP presentations
Summary
District staff and the consultant presented three fully insured medical‑and‑pharmacy proposals (Florida Blue, Cigna, UnitedHealthcare). After reviewing rates, network disruption and other funds, the board directed all three carriers to submit best‑and‑final offers for the 2025–26 plan year.
Don Calderon, the district's director of risk management and employee benefits, and Dustin Keen of the Garren Group presented initial offers from three carriers responding to the district's RFP for fully insured medical and pharmacy coverage.
The proposals reported by Dustin Keen showed lower increases than the initial renewal from the incumbent: Florida Blue proposed a 15.9% increase across plans, Cigna a weighted 13.1% increase (with plan‑level variation) and UnitedHealthcare a 9.8% net increase. Each carrier offered different rate caps for year two, wellness and technology credits and varying levels of a discretionary or implementation fund. UnitedHealthcare proposed a $100,000 discretionary fund and a $100,000…
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