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Cole County Commission renews Sun Life stop-loss coverage, approves employee contribution and budget measures for 2026
Summary
Cole County commissioners on Oct. 28 voted to renew the county's stop-loss reinsurance with Sun Life at the existing $85,000 specific deductible and approved a $25-per-pay-period employee contribution and $25 HSA contribution as part of the proposed 2026 benefit package.
Cole County commissioners on Oct. 28 voted to renew the county's stop-loss reinsurance with Sun Life at a $85,000 specific deductible and approved a package of changes to employee benefit funding included in the proposed 2026 budget.
The actions approved by the commission included renewing the Sun Life stop-loss contract at the existing $85,000 attachment point, directing staff to implement an employee contribution of $25 per pay period for the preferred provider (PPO) option and a $25 per-pay HSA contribution, and absorbing a 6% increase in the county's employer-paid dental premium. The votes were taken by voice and passed after staff presented renewal terms and fund projections.
Why it matters: county staff said medical and pharmacy costs have risen sharply and are depleting the county's health insurance reserves. Finance and HR staff reported the county's current payroll set-aside (about $694 per employee) is below actuarial…
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