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Stoughton Area School District staff propose co-pays and spouse screening to blunt near-20% insurance renewal
Summary
District staff told the board a 19.9% insurance renewal could be cut to about 12% with plan design changes: introduce co-pays after deductibles, require spouse wellness screenings, and offer a family reimbursement account; staff warned some employees could face up to $3,000 extra out-of-pocket on family plans.
District staff presented options to the Stoughton Area School District Board of Education to reduce a near-20% health-insurance premium renewal and said modest design changes could lower the district’s projected increase.
"Our preliminary increase was 19.9% but it was adjusted down to 12% if we implement the following changes," Erica, a district staff presenter, told the board, summarizing insurer recommendations. The proposed short-term package would add co-pays once an employee reaches the deductible, expand wellness requirements to spouses, and create a family reimbursement account for employees who opt to use an alternate plan.
Why it matters: staff said the district’s medical-loss ratio (claims paid compared with premiums…
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