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Tamworth administrator recommends switching town health coverage to Baldwin Group PFA; board approves $10,000 life-insurance benefit
Summary
Town Administrator presented 2026 health-plan options showing a 9% HealthTrust increase; she recommended a Baldwin Group PFA (partially self-funded) plan as a lower-cost alternative and proposed an employer-paid group life-insurance policy; the board voted to add $10,000 of employer-paid life insurance costing about $20/month.
Town Administrator presented updated 2026 health-insurance rates and proposed alternatives after reviewing HealthTrust renewals and a broker offer from the Baldwin Group. She reported a HealthTrust premium increase of about 9% and described a Baldwin Group PFA (participating funding arrangement) option that would reduce the towns premium costs by using a partially self-funded structure and a higher…
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