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After carrier switch to Cigna, district faces high loss ratio; consultants present a 10% cap offer and policy options
Summary
Risk-management staff and consultants reported a high year‑to‑date loss ratio (about 94%) after switching medical carriers to Cigna; Cigna’s negotiated offer includes a not‑to‑exceed 10% cap for year two, and the board discussed plan design, incentives to shift employees to a high‑deductible plan, clinic and self‑insurance options.
Don Calderon, the district’s director of risk management and employee benefits, and consultants from the district’s benefits advisor presented a mid‑year update on employee medical coverage after the district moved coverage to Cigna on July 1, 2025.
Gabrielle Swain summarized claims experience through November 2025 and reported a rolling 12‑month loss ratio of about 92% and a first five‑month year‑to‑date loss ratio of roughly 94%, with October and November running above 100% in recent months. “So 94 percent including that is a pretty high number from what we would like to see,” she said.
Dustin Keen said the RFP negotiated a…
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