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Kootenai County finance director reports $971,000 health‑plan shortfall; commissioners approve BCS stop‑loss option
Summary
Kootenai County Finance Director Brandy Falcon told commissioners the county’s health insurance fund ended FY25 with a negative balance of $971,000 and recommended rebuilding reserves; after an executive session the board approved moving to "BCS stop loss option 1."
Kootenai County Finance Director Brandy Falcon told the Board of County Commissioners on Dec. 16 that the county’s health insurance fund closed fiscal year 2025 with "a negative fund balance of $971,000 at year end FY '25." Falcon attributed the shortfall primarily to claims that exceeded budget, prior withdrawals from the fund in earlier years, and underbudgeted department transfers.
Falcon outlined the county’s self‑funded plan structure, saying Kootenai County uses a third‑party administrator (Regions) and consultants (Alliant). She explained stop‑loss insurance protects the county from catastrophic individual or aggregate claims and said the county has greater control and data access under a self‑funded model.
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