Sherman County commissioners voted to proceed with their health‑insurance renewal after a detailed presentation by a Blue Cross and Blue Shield of Kansas representative on utilization, stop‑loss claims history and renewal pricing.

The Blue Cross representative reviewed a multi‑year claims history, noting the county had run several high‑cost stop‑loss claims in recent years that affected renewal pricing. The presenter said the county’s plan year medical and pharmacy costs have improved compared with the prior two years, and that the insurer’s current renewal proposal equates to a mid‑single‑digit increase after adjustments. The record shows an illustrative stop‑loss increase in the Blue Cross pool and a recommended funding posture to rebuild reserves; the representative discussed the trade‑offs of raising the stop‑loss attachment point versus changing plan design and noted the county currently remains grandfathered on key plan features.

Commissioners asked about comparative national trends and local options to offset cost increases without changing plan benefits. The Blue Cross representative said raising the county’s stop‑loss attachment point (for example from $40,000 to $50,000) would shift risk into the county fund and could modestly reduce the renewal rate, while changing to a high‑deductible plan with HRA funding is another option but brings administrative complexity.

After discussion, a commissioner moved to move forward with the renewal as presented; the motion was seconded and approved by voice vote. Commissioners instructed staff to proceed with standard renewal administration and to continue exploring options for cost containment and reserve building.

Ending: The renewal will be processed through the county’s normal enrollment and HR procedures; staff will provide employees with enrollment materials and look at stop‑loss and reserve funding options ahead of the next budget cycle.