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Charlton selects Mass Strategic Health Group plan, adopts high-deductible option to hold FY27 rates
Summary
The Charlton Select Board voted March 24 to accept the insurance advisory committee's recommendation to move municipal coverage to the Mass Strategic Health Group and to institute a high-deductible plan design intended to hold rates steady for FY27; the board acknowledged run-out claims from the prior carrier and placed a contingency in the draft budget.
The Charlton Select Board voted March 24 to accept the insurance advisory committee's recommendation to move municipal employee coverage to the Mass Strategic Health Group (a Harvard Pilgrim purchasing group) and to institute a high-deductible plan design effective July 1, 2026.
Tara Fafford, an account executive with insurance advisor NFP, told the board that moving to a large deductible would allow the town to hold rates at zero percent for fiscal 2027. "By moving to a $501,000 deductible, we're able to hold the rates at 0% for fiscal year 27," Fafford said. Town…
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