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Franklin County moves employee coverage to Anthem after UnitedHealthcare renewal hits 50% increase
Summary
Facing market-wide premium spikes, the Franklin County Fiscal Court approved a transition from UnitedHealthcare to Anthem Blue Cross Blue Shield for 2026. County staff negotiated two PPO options plus a high-deductible plan to limit payroll deductions and increase county contributions.
Frankfort, Ky. — Confronted with steep price increases from insurers, the Franklin County Fiscal Court voted Oct. 15 to transition employee health coverage from UnitedHealthcare to Anthem Blue Cross Blue Shield for calendar year 2026.
A consultant retained by the county, Benjie Mars of BIM Group, told the court that UnitedHealthcare’s renewal "came in at 50%" while Anthem’s initial renewal was in the 40%-plus range before negotiations. Staff said the county and its broker worked to secure a bundled package — two PPO options and one high-deductible health plan — that reduced the county’s projected increase to about 26% versus the higher United quote. According to presentation slides and discussion, the county will absorb an…
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