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St. Louis County to raise 2026 medical premiums after claims spike; changes to plan cost‑sharing recommended

St. Louis County Board · November 4, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

County staff recommended and the board moved forward a 10% increase to 2026 medical premiums for the county’s self‑insured plan and proposed plan‑design changes (higher deductibles and increased pharmacy coinsurance) to address claims trends and a reduced fund balance.

Deputy Administrator Gottscheld briefed the board on the county’s self‑insured medical and dental plans and recommended a 10% increase in medical premiums for 2026. Gottscheld said the county moved from several years of 0% increases to a recent sequence of higher claims that reduced the fund balance; the county adopted a midyear increase earlier in the year and now recommends another 10% adjustment.

Staff proposed plan‑design…

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