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Monroe council adopts 2025 health-benefit plan with higher premiums and HSA adjustments
Summary
The council approved the Salary & Personnel Committee's resolution to adopt a 2025 HDHP plan with employer paying 85% of premiums, an employee share of 15%, elimination of the HRA, and increased employer HSA seed amounts; members discussed premium increases and staff outreach to help employees manage out-of-pocket costs.
The City of Monroe Common Council approved a resolution on Oct. 17 adopting the 2025 health insurance and benefit package recommended by the Salary & Personnel Committee.
The approved package keeps the city in a high-deductible health plan (HDHP) and sets the employer contribution at 85% of premiums, with employees covering the remaining 15%. Staff said the renewal includes an 8.9% premium increase compared with the prior plan and removes the HRA, shifting more emphasis to the HSA. Staff described an employer HSA contribution proposal (discussed figures included $2,000 for single plans and $4,500 for family plans under the new proposal) and a $500 preventive-exam incentive that affects total HSA credits.
Administrator Randy and benefits advisers described the trade-offs: removing the HRA reduces administrative complexity but increases potential out-of-pocket exposure for employees, while larger employer HSA seed amounts and the continued wellness-clinic partnership with Monroe Clinic (funded at $13 per employee per month through Dec. 31, 2025) are intended to offset some costs.
Council members pressed staff on how to help employees manage high deductibles and asked for additional outreach to encourage clinic utilization and preventive care. On a roll call the council approved the resolution (voice/roll call recorded in minutes).
