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Bourbon County reviews health-plan options, brokers urge study of self-funding and short plan year
Summary
County commissioners heard a detailed presentation on employee health‑insurance options including fully insured renewals, defined contributions, short plan years and partial or full self‑funding; staff will return Monday with renewal data and modeled options.
Bourbon County commissioners on Tuesday heard a presentation from benefits brokers on options to control rising employee health‑insurance costs and to align plan renewals with the county’s budgeting cycle.
The county’s benefits consultant, Don (broker/consultant), told commissioners a group the county’s size typically pays 90%–100% of single coverage and usually does not cover dependent costs; he said larger employer groups “pay 90 to a 100% of the employee cost” and “most do not pay towards the dependent cost.”
The presentation laid out several choices. Brokers recommended comparing: staying fully insured with Blue Cross (the county’s current carrier), defined‑contribution approaches (for example, a fixed dollar employer contribution for family…
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