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Forest Park council approves health-plan renewal with narrower cost changes; city picks option to limit employee payroll impact
Summary
The Forest Park Mayor and Council on April 21 approved a health-insurance renewal package that limits a carrier'proposed premium jump and narrows out-of-pocket changes for employees, choosing an option the city manager recommended that carries an estimated 4.7% net increase.
Forest Park Mayor and Council voted April 21 to approve the city's annual major medical benefits renewal for fiscal year 2025'26, choosing the package the city manager recommended that would produce an estimated 4.7% net increase.
The move adopts the renewal package presented by the city's broker, MSI Benefits Group, represented at the meeting by John Leggett. Leggett told the council Cigna, the city's current carrier for medical, dental and vision plans, originally underwrote a 16.43% increase but offered lower renewal options: a 12% renewal if the city marketed the plan and a non-marketing offer of about 7% if the city did not go to market. Leggett described recent claims activity as the driver: "Most recently, we're running at 94%" loss ratio, he said, summarizing March 2023 through January 2025 claims and premium activity.
Why it matters: the council chose an option that Councilman James characterized in her…
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