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LaSalle County health plan below underwriter expectation for Q1, committee flags pharmacy and large‑claim drivers
Summary
At an April 23 committee meeting, Marsh presenter Beth reported LaSalle County’s health plan ran at about 89.8% of the underwriter’s expected per‑capita cost through March, while pharmacy spending — especially specialty drugs and GLP‑1 medications — and a handful of large claims are driving volatility; the committee placed the report on file.
Beth, the county’s Marsh consultant, told the LaSalle County Insurance Committee on April 23 that the county’s health plan is running below the underwriter’s expected per‑capita rate for 2026 but that several cost drivers merit attention. "You are actually running at $25,007.11," she said, "which is 89.8% of expected," compared with an underwriter expectation of $28,006.32 per capita.
Beth said the year‑to‑date actual costs are 9% higher in raw dollars than the same three‑month period in 2025 because of timing and the severity of a small number of large claims. She noted the carrier’s liability so far this year was about $81,000 and said the plan had one claimant above the $150,000 specific deductible (about $231,000). By contrast, Beth said the plan had nearly $300,000 in carrier…
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