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Benefits consultant recommends CareFirst renewal; town’s employer health costs modeled up about 7.2%
Summary
Town presenters recommended an early renewal with CareFirst Blue Cross Blue Shield and estimated a 7.19% year‑over‑year employer budget increase if the town keeps employee payroll deductions unchanged; alternatives and retiree‑coverage scenarios were discussed.
At the April 20, 2026 work session, a benefits presenter recommended that the Town of Berlin accept an early renewal proposal from CareFirst Blue Cross Blue Shield, saying, "We are going to recommend accepting an early renewal with CareFirst." The presenter walked the council through how premium, the town’s health reimbursement arrangement (HRA) funding and employee payroll deductions combine to produce the employer budget impact.
The staff analysis showed two key blended figures: a 6.32% year‑over‑year increase when measured as premium plus HRA (the pure cost…
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