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Elmbrook staff health premiums to rise; board hears 14% premium‑equivalent increase for 2025 plan year
Summary
Benefits staff told the board the district projects a roughly 14% increase in premium equivalents for the 2025 plan year; employees would see about $7.45 more per month for single coverage and roughly $18 more for family coverage, with final action to return next month.
Elmbrook School District benefits staff presented projected premium‑equivalent increases for the 2025 plan year, telling the board the district needs additional premium revenue to fund rising medical and pharmacy claims.
The presentation said the premium equivalent for single coverage would be about $863.73 per month and roughly $2,099.46 for family coverage on a fully insured basis. The district estimated that, under the proposed contribution design, employees would pay about $7.45 more per month for single coverage and a little over $18 more per month for family coverage compared with current contributions.
The benefits team credited recent changes in plan design — including a tiered network that favors certain high‑value providers — with limiting what otherwise would have been a larger increase. "Had we not agreed to make those changes, the increase would have been significantly higher to the tune of excess of 25%," staff said.
Board members said the proposed changes were reasonable given national trends in health costs but noted the ratio of employer/employee contribution and that out‑of‑pocket costs remain the same for tier‑1 providers and will be higher if employees use tier‑2 providers. The board will consider the item for action next month, after staff presents final premium and contribution language.
Human‑resources and benefits staff said they plan outreach to employees explaining the tiered network and the prospective contribution changes.
