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CCPS presented 2026 health and dental renewal with proposed new standard plan to curb projected rate rise
Summary
Consultant Charlene Kinsey told the board the baseline blended medical renewal recommendation was 11.8% for 2026 but staff proposed adding a lower‑cost 'standard' POS plan and active enrollment to reduce the projected increase to ~5.6%; dental stays with Delta Dental with plan enhancements and an 8.7% rate rise.
Consultant Charlene Kinsey (USI Insurance) told the school board the county and schools face higher medical claims and loss ratios heading into the 2026 plan year and recommended planning for an initial blended 11.8% budget increase.
Kinsey presented claims data (May 2023–April 2025) showing the largest claim increases were in the $100,000–$400,000 band and warned the stop‑loss renewal (Anthem) is illustrative until Anthem issues a firm renewal in September. She said the county and schools will negotiate final stop‑loss terms after Anthem’s formal release.
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