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Muscoda board sets 2025 health-insurance contribution at 80% of lowest state plan, caps premiums
Summary
After a closed-session review of benefits and wages, the Muscoda Village Board voted unanimously to pay 80% of the lowest State Health Insurance Plan for 2025, capping the village share at $721.62 for single policies and $1,770.22 for family policies per month.
The Muscoda Village Board voted Sept. 24 to contribute 80% of the lowest State Health Insurance Plan for 2025, with the village’s contribution capped at $721.62 per month for single coverage and $1,770.22 per month for family coverage.
The vote followed a closed session called under Wisconsin Statute SS 19.85(1)(c) to discuss public employee benefits, compensation and employee evaluations. The board reconvened in open session and, on a motion by Anderson seconded by Imhoff, approved the contribution and premium caps in a unanimous roll call vote.
Administrator Cinda Johnson had distributed spreadsheets comparing Grant County state policy rates, 2024 and projected 2025 premiums, and multiple employer/employee cost scenarios during the open-session budget discussion earlier in the meeting. Johnson also provided a worksheet showing each full-time employee’s 2024 wage and the village’s cost for insurance, retirement and Social Security.
The board’s decision sets a limit on the village share of health premiums; employees’ out-of-pocket cost depends on final plan selection and any premium differences above the capped amounts. The board discussed benefits and wages in closed session and conducted supervisor evaluations before returning to public session to record the decision.
Johnson told the board that 2025 life-insurance rates will be based on previously reported wages to the Wisconsin Retirement System; disability coverage remains on a premium “holiday” (no premium at present), and dental rates for 2025 had not yet been received. The village also noted retirement-rate changes for 2025: general-employee retirement contribution is 6.95% (up 0.05 percentage point from 2024) and the protective-employee rate increases from 14.32% to 15.01%.
The board instructed administration to implement the coverage change and report back as necessary on plan selection and any employee cost-share implications.
