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Gadsden board hears Capital Health Plan, agent explain rising rates, utilization and bidding gaps
Summary
School officials were shown that the district’s single-employee premium share is $192.29 while the district covers about 78% of the total employee rate; presenters and CHP cited aging membership, utilization and a five‑year average medical loss ratio of about 122% as drivers of rate increases and said other carriers declined to bid in recent RFPs.
The Gadsden School District board on Tuesday heard a detailed presentation from its insurance agent, Pat Thomas & Associates, and a representative of Capital Health Plan (CHP) explaining why employee health premiums have been rising and why the district has repeatedly renewed coverage with CHP.
The agent said the district’s per-employee premium that the board covers is $681.75 while the employee share for single coverage is $192.29. The presenter read tiered annual premium figures for the current term: employee+spouse $1,748.78; employee+children $1,486.03; and employee family $2,534.99. The agent said the board contributes only the single/employee portion and that employees pay the remainder.
CHP’s representative, Debbie, told the board the district’s five‑year average medical loss ratio is about 122%,…
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