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Benefits office outlines plan design, high prescription costs and options for self‑funding
Summary
Jamie Brown told the committee the district maintains a fully insured medical plan (single deductible $3,200 with $800 HSA contribution; family deductible $6,400 with $1,600 HSA contribution) and that carriers' high medical‑loss ratios and specialty prescriptions are drivers of premium increases.
Jamie Brown, presenting for the benefits office, gave a high‑level briefing on Janesville School District health‑plan design, quarter‑one carrier reporting and renewal options for the 2025‑26 plan year.
Brown summarized the current plan design: single enrollees face a $3,200 deductible with an $800 district HSA contribution; family coverage carries a $6,400 deductible with a $1,600 district HSA contribution. Brown emphasized that premiums are fully insured today and that the medical‑loss ratio (MLR) — carriers' ratio of claims to premiums — has recently been high, contributing to premium…
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