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Fiscal Court approves renewal with United; adds employee-only HSA option
Summary
The court renewed health coverage with United Healthcare for 2025 and approved offering an employee-only Health Savings Account option paired with a high‑deductible plan; HR and consultants will monitor medical-loss ratios and report quarterly.
Franklin County Fiscal Court approved renewing its employee health plan with United Healthcare for Jan. 1 to Dec. 31, 2025, after HR and benefits consultants presented renewal results and an optional High‑Deductible Health Plan (HDHP) paired with an employer contribution to Health Savings Accounts (HSAs).
HR director Ashley said the county negotiated renewal terms that limited the premium increase to about 9.9%, down from an initial 13.9% renewal notice. Consultant Jamie Bennett said the earlier, larger increases were driven by updated medical‑loss ratios and that acting earlier helped reduce the final renewal rate.
Bennett described the proposed HDHP/HSA option as a voluntary lower‑premium plan that would be paired with an employer contribution to employees’ HSAs to offset higher deductibles. He explained that the county could contribute roughly $100 per month to participants’ HSAs, and emphasized the need for robust employee education about consumerism and prescription costs.
The court voted to renew coverage with United, to continue the existing employee medical‑waiver HRA plan and to add an employee‑only HSA option for Jan. 1, 2025. Officials directed HR and the treasurer to monitor monthly reports and bring quarterly updates to the court to inform budgeting for 2026.
