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Board hears detailed health‑insurance renewal briefing; Innovia clinic to open in November with trial month in October
Summary
District staff and broker presented health‑insurance renewal options after a high medical loss ratio under the Aspirus plan. The board discussed plan design changes, an Innovia direct‑primary‑care clinic opening Nov. 3 (2811 Eighth Street, suite 2), tying HSA employer contributions to clinic use, and a proposed $125 monthly spousal surcharge.
District administrators and the broker provided an update on the 2026 health insurance renewal and plans to open a direct primary care clinic operated by Innovia.
Jen Corti of the district's broker (M3) said the district's rolling medical loss ratios were about 117% for July 2023–June 2024 and about 119% for July 2024–June 2025, producing a combined two‑year loss ratio near 118%. Corti said Aspirus Health Plan's paid claims exceeded collected premiums over these periods and that prescription drug costs were a significant driver.
Because of those losses, Aspirus declined to offer a 'not to exceed' cap for the next renewal year. The broker and administration described strategies to reduce claim costs, including adding a district‑run Innovia direct primary…
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