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Board approves UnitedHealthcare renewal with 4.8% increase for 2025 benefits
Summary
After a presentation by McGriff, the board approved renewing the county's employee health plan with UnitedHealthcare at a negotiated 4.8% increase and a $10,000 administrative credit; the county share is approximately $70,328 and employee premium changes range from $5 to $47 per month depending on tier.
CHARLES CITY, Va. — The Charles City County Board of Supervisors on Sept. 24 approved the county’s employee benefits renewal with UnitedHealthcare, accepting a negotiated 4.8% increase and a $10,000 administrative credit after a presentation from broker McGriff.
Matt Davis of McGriff told the board UnitedHealthcare initially proposed a 12.5% renewal but McGriff secured a "no market renewal" that lowered the increase to 4.8% plus the credit. Davis said the gross increase totaled $82,828 and that after the credit the net county increase is $74,828. The county’s portion of the increase was listed as $70,328; employees’ collective share was $14,510, with individual monthly changes ranging from $5 (employee-only coverage) to $47 (family coverage) depending on plan tier.
Davis outlined other benefits changes: the emergency-room copay will rise by $50; dental will increase about 3% (approximately $2,214 annually); vision benefits were recommended to stay at the current allowance; and short-term and hybrid disability coverages were offered with no increase. McGriff also noted fertility coverage is not available in the county market and that an obesity rider would have raised costs by about 7%.
County staff said the FY2025 budget had been prepared assuming an 8% increase, so the negotiated 4.8% renewal was below budgeted expectations. Supervisor Patterson moved to approve the renewal with UnitedHealthcare; the motion carried with recorded 'Aye' votes from the supervisors present.
The board’s approval authorizes staff to execute the renewal terms and to implement the proportional premium split between county and employees as presented. Any future plan design changes or optional riders would require further board action.
