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Upson County staff outline strategy to curb health‑plan costs, propose spousal surcharge
Summary
County staff told commissioners the county health plan shows a 65% year‑to‑date loss ratio and presented options — including a spousal surcharge, phased spousal contribution reductions and partial self‑insurance — ahead of a mid‑April renewal and June open enrollment.
County staff told commissioners at an April 1 work session that Upson County's employee health plan is performing better than some recent years but still faces cost pressures and concentrated high‑cost claims. "If we look at year‑to‑date ... we've got about 2.08 million in premium that's been paid in and about 1.36 million in paid claims," the presenter said, citing a roughly 65% loss ratio and forecasting a Blue Cross renewal in mid‑April.
Why it matters: the county's renewal and any benefit changes will shape premiums for employees and dependents ahead of open enrollment in June and coverage effective July 1.
Staff broke the plan's drivers into several categories: medical claims (about $1.0 million year‑to‑date), pharmacy (~$350,000), and a handful of…
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