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Board reviews 2025 rates and benefits calendar and methodology for setting health plan rates
Summary
Aon presented the 2025 rates and benefits calendar and an education session on how SFHSS sets rates for self‑funded, flex‑funded and fully insured plans. The process includes a March actuarial review, a 10‑county benchmarking survey and Board of Supervisors review in July, with open enrollment materials mailed in September.
The Health Service Board received an overview on Jan. 8 of the 2025 rates and benefits calendar and a refresher on the SFHSS rate‑setting methodology from Mike Clark, lead actuary at Aon.
Clark walked the board through the annual cycle: actuarial experience reviews and incurred‑but‑not‑reported and contingency reserve approvals begin in January; March presentations include the 10‑county benchmarking survey (used to set minimum employer contributions), experience trends and proposed plan changes; April–June include plan‑level rate proposals and the…
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