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Taylor County reviews health‑insurance options to reduce premiums for employees
Summary
Insurance consultants walked the board through plan‑design changes, HSAs, HRAs, self‑funding and timing for next year’s renewal as county leaders signaled they want competitive quotes ahead of mid‑May renewals.
Michael Watkins, an insurance agent with Accenture Insurance, told the Taylor County Board of County Commissioners on March 25 that the county can pursue multiple plan‑design changes and carrier bids to reduce health‑insurance premiums for employees.
Watkins, who was in the meeting with a colleague identified as Crystal, said options include adjusting deductibles and copayments, offering multiple plan tiers, switching to a high‑deductible HSA plan, implementing health reimbursement arrangements (HRAs), or moving to a self‑funded model. He said some changes can produce sizable premium decreases but also carry risks for employees.
Watkins explained why plan design matters and gave examples drawn from last year’s renewal. "If you turn to, page 3, you'll see which is option…
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