Consultants urge removing fixed PPO out‑of‑pocket cap from code and adding lower‑cost plan option

Jun 30, 2026

Deloitte told the committee the Metro code’s fixed $1,000 individual PPO out‑of‑pocket maximum limits the benefit board’s flexibility and recommended removing the provision, pursuing plan design changes and modeling a distinct lower‑cost third plan that could be effective earliest in early 2029.

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Angela Watts of Deloitte presented three recommendations to the Study and Formulating Committee: remove the fixed PPO out‑of‑pocket maximum language from Metro’s code of laws, consider targeted PPO and HRA plan design changes to improve affordability, and add a third, lower‑cost plan option that offers employees a meaningful choice.

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