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Commission hears CHAMP benefits pitch; asks staff for payroll analysis
Summary
Presenters from Champion Health outlined the CHAMP Section 125 plan, which they said can convert pretax deductions into increased employee take-home pay and county FICA savings; commissioners requested a payroll-level savings analysis and more time with HR and finance before any decision.
Steve, a representative presenting the CHAMP plan, explained to the Dickinson County commission that CHAMP is a Section 125 pretax offering paired with a preventative, AI-driven health-management product. "The CHAMP plan will also typically see a result in a higher paycheck for your employees," the presenter said, and he outlined a payroll-example showing a pretax deduction and an insurance claim returned as part of net pay.
The presentation described services such as free doctor visits, unlimited generic prescriptions at $0 copay, at‑home lab testing, telemedicine and behavioral health resources; the presenter cited Mayo Clinic materials used for educational content. The presenter said the program can be offered to all full‑time employees (30 hours or more) and that it works alongside existing major‑medical plans.
On the county-level financials, the presenter offered sample figures: a net FICA savings of $47.80 per month per employee after a third‑party administration fee (a fixed $573.60 per year per employee) and an example scenario totaling $57,360 in annual FICA savings for the county with assumed participation. He said employee pay could increase on average about $1,500 per year under the example and characterized the offering as a "front line" health option that does not replace major medical coverage.
Commissioners had several technical questions about eligibility, HSA compatibility and participation rates. The presenter offered to run a proprietary eligibility and savings analysis if the county provides a PDF of the last payroll cycle; commissioners asked staff (HR, finance and administration) to coordinate that follow-up. Several commissioners said they wanted more time and technical review before considering the plan.
What’s next: CHAMP will produce a detailed analysis for Dickinson County after staff supplies payroll data; the presenter also offered a separate Zoom session to review results with HR and finance.
Quoted: "All we need is a PDF copy of the last payroll cycle," the presenter said, describing the data he needs to deliver a per‑employee savings analysis.
