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Sun City West narrows Aetna medical renewal to 6.9% after plan design tweaks

Budget and Finance Committee, Sun City West · December 30, 2025
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Summary

Marsh McLennan presented a negotiated health-insurance renewal that reduced an initial 12.5% Aetna increase to a 6.9% net rise by raising selected deductibles and co-pays; the committee heard enrollment and claims detail, including several large claims that drove loss ratios above target.

Christy Ramirez, senior vice president of client relations at Marsh McLennan, told the Sun City West Budget & Finance Committee that the association’s 2026 medical renewal with Aetna was negotiated down from an initial 12.5% to a net 6.9% increase after modest plan-design changes.

Ramirez said claims through May 2025 formed the basis of the renewal and that May included an unusually costly month with a 373% gross loss ratio in which Aetna paid roughly $793,000 while premiums collected that month were about $212,000. She said the plan retains a pooling point of $125,000 and that three claims exceeded that threshold,…

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