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Amador County schools weigh health-insurance options as budget pressures mount
Summary
District and county leaders told the school board they are evaluating a narrow set of medical-plan options after heavy 2023–24 self-insurance claims left the district exposed; employees told trustees proposed changes would sharply raise take-home pay costs and risk staff retention.
Amador County Unified School District and the Amador County Office of Education told trustees they are rapidly narrowing health-insurance options for the 2025–26 year after large self‑insurance claims in 2023–24 and 2024–25 created a budget shortfall and risk to the district’s finances.
The district’s interim chief business official, Robert Norton, said the district’s 2023–24 self‑insured program produced claims “exceeding $1,000,000” and projected roughly $800,000 in excess claims for 2024–25. Norton said several traditional carriers that the district sought to return to — including CVT and CISC — declined to quote coverage because of the district’s claims experience and opt‑out rates. That left CalPERS as a viable immediate option and Alliant Insurance (a broker) working to identify alternative market solutions.
The narrowing of vendors matters because several plan options being discussed would not include Sutter Amador Hospital as an in‑network provider, board members and staff said. At least one CalPERS plan being discussed…
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