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Fallon County narrows health-plan options, staff to model county contributions
Summary
County HR reported Mako rate reductions and suggested offering two starting plans—a Rocky Mountain RM $1,000 plan and an HD $3,500 high-deductible plan—while staff will model payroll impacts, HSA contributions and EBMS claim runout costs; commissioners asked for numbers before budget adoption.
County HR staff presented corrected premium rates from Mako showing lower costs for upcoming plan years and outlined the work needed before open enrollment: select which plans the county will offer for the January–December 2027 plan year, determine county contribution amounts, and calculate HSA contributions for high-deductible plans.
Staff recommended a limited initial offering to simplify payroll implementation: RM $1,000 as a base option and an HD $3,500 as the high-deductible option. Commissioners discussed the trade-offs, asked staff to prepare spreadsheets showing county contribution scenarios across single, two-party and family tiers, and agreed to reconvene before September so the board can finalize contributions for the budget cycle. HR staff noted EBMS claims runout will require keeping trust/administration open for roughly 18 months and that flex and wellness program transitions will need coordination so employees do not lose earned benefits.
Commissioners asked HR to return with modeled scenarios showing the county's worst-case budget exposure and recommended starting small with two plans and adding supplemental options later if necessary.
