Larimer County outlines 2026 high-deductible health plan, employer HSA contribution and member resources

Larimer County benefits staff on a benefits webinar described the county's 2026 high-deductible health plan and the accounts and services paired with it. Jennifer Whitener, the county's benefits manager, said the HDHP uses an embedded deductible and listed in-network deductibles of $3,400 for single coverage and $6,800 for family coverage for the 2026 plan year. "Once you've paid $3,400, that's it. Then claims start paying at 100%," Whitener said, explaining that the plan carries no copays or coinsurance after the deductible is met.

Whitener said the county will contribute to employees' health savings accounts (HSAs) for those enrolled in the HDHP to help build balances. "Over the course of the year, the county's gonna put 1000 dollars into that account on your behalf," she said, adding that employer funds are deposited equally over 24 pay periods. The county uses Surency as the HSA administrator; Whitener…