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Flagler County commissioners review self‑funding case as clinic data shows savings
Summary
Benefit consultant Sherry Beignet told commissioners self‑funding has historically saved Flagler County money compared with fully insured alternatives; the county health clinic, operated by My Health On‑site, reported high utilization and measurable claim avoidance, but commissioners asked for further actuarial detail and next‑step options.
Flagler County commissioners spent the morning reviewing whether to continue self‑funding employee health coverage or move to a fully insured plan.
Sherry Beignet, the county’s benefit consultant, outlined the mechanics of a self‑funded plan — administrative services (ASO/TPA), stop‑loss reinsurance and aggregate protection — and said the county’s current specific stop‑loss deductible is $250,000. She told the board that, based on Blue Cross’s fully‑insured quotes, an equivalent fully insured premium would have been about $12.64 million for the group while the county’s net plan cost for the 2024‑25 plan year was roughly…
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