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Moffat County approves 2026 employee health plan with Memorial Regional tier option
Summary
The Moffat County Board of Commissioners approved a 2026 health benefits plan that keeps the county’s Personify Health/6 Degrees arrangement and adds a tiered Memorial Regional Health option intended to lower out-of-pocket costs for employees who use MRH.
The Moffat County Board of Commissioners on Oct. 28 approved a recommended 2026 employee health benefits plan that retains the county’s existing carrier arrangement through Personify Health/6 Degrees and adds a tiered benefit option centered on Memorial Regional Health (MRH).
Rachel Bauer of the Human Resources Department told commissioners the county has been with Personify Health/6 Degrees since January 2020 and described the proposed tiered structure negotiated with MRH. Under the proposed plan, services performed at MRH would be treated as Tier 1 and receive a lower deductible and lower out‑of‑pocket maximum; MRH services would pay 90% after deductible, leaving employees to pay 10% coinsurance under Tier 1. Services outside MRH would fall under Tier 2 with higher deductibles and an employee coinsurance of 25%.
Bauer said the proposed Tier 1 deductibles in the exhibit were $750 for an individual and $2,002.50 for a family, and Tier 2 individual deductible would be $1,500 (family $3,000). Bauer told the board the plan keeps the county employee clinic with UCHealth and retains current Rx copay levels (generic $30, brand $80). She also said the county asked brokers to run renewal comparisons with UMR and Cigna; those quotes were materially higher and the broker recommended Personify Health/6 Degrees with the MRH tier option as the most cost‑effective.
Exhibit materials presented to the board projected total plan costs moving from about $4.2 million to roughly $4.6 million—a projected increase of about $469,734 compared with current plan figures. County staff said the broker recommended a 4% increase to the overall benefits budget to accommodate the renewal estimates. Bauer proposed modest increases in employee monthly contributions: single from $14 to $20 per month (an increase of $6); single plus dependent to $40; family to $50. Dental contributions were proposed to increase to $10 (single) and $15 (single plus dependent/family).
Commissioners voted to approve HR’s recommendation to proceed with the 2026 health benefits plan and to place any final contracts on a future consent agenda. The motion carried with a recorded voice vote of "Aye."
