Board approves 2025–26 health and dental rates with UMR, Delta Dental; committee selected modest increase
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Summary
The school board voted 7-0 to approve the district's self-funded group health and dental rates for July 1, 2025–June 30, 2026, staying with UMR and Delta Dental after a review by the district's insurance committee and consultant.
The St. Louis Park Public School District board on April 22 approved the district's self-funded group health and dental rates for the 12-month period from July 1, 2025, to June 30, 2026, endorsing UnitedHealthcare (UMR) for medical administration and Delta Dental for dental coverage.
District presenters told the board the insurance committee—composed of employees representing multiple bargaining units—reviewed competitive bids from UMR and Blue Cross/Blue Shield and, working with consultant Chase Ambrosia of 1Digital, recommended remaining with UMR. The committee recommended rate adjustments that amount to roughly an 8% increase for the plan; staff said that is modest relative to double-digit increases being seen in some neighboring districts. The district also reported a deliberate decision to use reserves rather than pass a larger increase immediately: staff said their target reserve level is about 45% of annual spend and the district currently exceeds that target.
Board members asked about representation on the insurance committee and the process; staff said committee membership includes representatives from across employee groups and that the committee meets regularly to monitor the self-insured plan.
A board motion to approve the self-funded rates passed 7-0. The approved resolution recorded the district's insurers and the plan period explicitly in the motion.