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Beltrami County staff brief commissioners on proposed 2026 employee insurance changes and estimated premium rise
Summary
County staff presented proposed employee-benefit changes for 2026, including an average 8.4% increase in medical premiums, higher HSA contributions, a switch to MetLife for some voluntary coverages and a shift to voluntary short‑term disability to comply with Minnesota paid-family-leave requirements; open enrollment is planned for October.
County staff reviewed proposed changes to employee health and supplemental benefits for 2026 and told the board that a negotiated employer contribution for 2026 remains pending.
A staff presenter said there are no plan design changes for medical coverage but that medical premiums are estimated to increase an average of 8.4% across plans. The presentation said the county will increase its health savings account (HSA) contribution by $50 for single plans and $100 for family plans, which staff said will lower employee out‑of‑pocket exposure.
Staff discussed other changes: a dental‑plan rate warning tied to missed preventive visits, no changes…
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