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Consultant tells Jefferson County council self‑insured health plan has produced savings but carries tail‑risk
Jefferson County Missouri County Council · October 27, 2025
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Summary
A consultant from 1Digital reviewed more than a decade of Jefferson County’s partially self‑insured health plan, saying the arrangement captured surplus previously taken as carrier profit while warning of low‑probability, high‑cost claim years.
A consultant identified as George, representing 1Digital, gave the Jefferson County Council a year‑by‑year review of the county’s partially self‑insured health plan and recommended continued monitoring. He said the county moved from guaranteed‑cost plans to a partially self‑insured model (with a $125,000 specific‑claim threshold) that…
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