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District staff recommend exploring pooled health trust; stop‑loss revision tied to participation
Summary
Okaloosa staff described joining the Florida Educational Health Trust ('Fleet') as a way to lower premiums and stop‑loss exposure through larger pooled risk sharing. Staff said Fleet requires self‑funding and strong health portfolios and that the stop‑loss insurance revision on the agenda is linked to enabling participation.
Assistant Superintendent Doctor Hale and district benefits staff presented an engagement letter to begin evaluating participation in the Florida Educational Health Trust (referred to in the meeting as "Fleet"). Staff described Fleet as a pooled risk‑sharing program where larger membership creates bargaining leverage for pharmacy and stop‑loss contracts and can produce premium savings for member districts.
Doctor Hale characterized…
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