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Scotland County warned of steep health‑insurance renewal as advisers outline options
Summary
A Mark 3 advisor told Scotland County commissioners that three years of claims put the county roughly $4.3 million underwater and that available market responses put likely premium increases in the coming contract year well above typical budgets; commissioners heard options including staying in the current cooperative block, switching to self‑funding or joining a larger pool.
Mark Browder of consultancy Mark 3 told the Scotland County Board of Commissioners on Feb. 18 that a small number of very high‑cost claimants and rising specialty‑drug spending have driven the county's health plan into a multi‑year deficit, and that the 2026–27 renewal cycle will be expensive.
"For 23–24, the deficit position was approximately $1,300,000," Browder said. "For 24–25 the loss position was about $1,800,000. That puts you at a three‑year deficit position of $4,300,000." He added that Blue Cross's market renewal was offered at about a 30% increase but that Mark 3's actuarial view put an…
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