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TAC presents FY27 benefit options to Cooke County; commissioners to decide later
Summary
A Texas Association of Counties benefits consultant outlined three FY27 options for Cooke County health coverage, including a current HRA plan and two alternates (PPO and HMO), and explained a 12.5% renewal allocation for the county. Commissioners will vote at a future meeting after committee review.
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A benefits consultant from the Texas Association of Counties (TAC) reviewed Cooke County’s FY27 employee health coverage renewal and two alternate plan designs, describing deductible, prescription and county-contribution differences and noting Cooke County received a 12.5% renewal allocation from the TAC pool.
The consultant said the county’s current plan includes a health reimbursement arrangement with a $2,000 deductible and a prescription tier structure (tier 1: $5 copay; tier 2: $20; tier 3: $35). Under the renewal, employee-only premiums were cited (current: $1,154.86; projected with 12.5% renewal: $1,299.20 effective Oct. 1, 2026). Alternate plan options presented included a PPO and an HMO; both would retain a $2,000 medical deductible but would change county contribution levels and some copays (the consultant noted tier-1 prescription copays would increase to $10 under one alternate).
Commissioners asked technical questions about whether copays count toward the deductible and about the timing of a final vote. The consultant confirmed copays do not apply to the deductible and said the county’s selection was due back to TAC by the 26th; staff recommended the court consider the options at a subsequent meeting and provide any recommendations in the interim.
No vote was taken at the meeting; commissioners were given time to review the options and the item was listed as no action for the current court.

