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County staff recommend keeping Sigma as medical carrier; three‑year rate cap and wellness fund proposed
Summary
Staff recommended keeping Sigma as the county medical carrier after an RFP, with a proposed 6% renewal, a three‑year rate proposal that caps increases in years two and three (about 10.5% cap), an $80,000 annual wellness fund and one‑time premium credits to ease budget timing.
Tammy Nun, Gloucester County director of human resources, and consultant Heidi Steinberg of USI presented the results of an employee benefits request for proposals and recommended continuing with Sigma for medical coverage.
Nun introduced the RFP process and Steinberg told the board the analysis used a rolling 12 months of claims data (February 2025–January 2026). She said the county experienced an increase last year "of I think it was about 12 and a half%" but that gross claims have decreased and the gross loss ratio improved to roughly 97% of premium; excluding stop‑loss large claims, the net loss ratio sits near…
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