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Sweetwater County renews stop‑loss insurance at $200,000 threshold despite premium increases
Summary
County HR staff recommended keeping the $200,000 specific deductible for the self‑funded health plan after stop‑loss quotes showed significant premium increases at several thresholds; commissioners approved the $200,000 option to limit exposure to multiple large claims.
County HR Director Gary McLean presented options for renewing stop‑loss coverage for the county’s self‑funded health plan and recommended keeping the current $200,000 specific deductible after reviewing quotes and the county’s claim history.
McLean explained that stop‑loss carriers base premiums on large‑claim histories and that…
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