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Gallagher warns of stop-loss pressure, offers pharmacy and targeted interventions for Rockingham County health plan
Summary
Gallagher representatives told Rockingham County commissioners that several high-cost claims are driving most of the plan's recent expenses and outlined market and programmatic strategies — including stop-loss marketing, pharmacy review and targeted care navigation — pending nine months of updated claims data for firm pricing.
Gallagher representatives Matthew Pukel and Brian Carlson gave a detailed presentation to the Rockingham County Board of Commissioners on Dec. 4, 2025, warning that recent high-cost claims have pushed the county's self-funded health plan into a volatile stop-loss market and outlining steps to reduce future exposure.
Why it matters: County staff expect the employee benefits renewal in July will reflect significant stop-loss market movement unless the county adopts several cost-control measures. Gallagher…
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