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Council reviews medical benefits renewal options; takes no action ahead of open enrollment

Carlin City Council · March 11, 2026
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Summary

City staff reviewed insurance renewal options that would significantly raise Health Savings Account maximums and deductibles; staff recommended mixing HSA renewal with an alternate PPO option; the council took no action and asked for LP Insurance to present before the June 1 open-enrollment effective date.

City Manager Richard Braithwaite presented renewal options from LP Insurance and Sierra Health and Life and said only one carrier would offer coverage. Braithwaite listed proposed deductible and out-of-pocket changes: HSA individual maximum rising from $6,000 to $8,000 and family from $12,000 to $16,000; PPO and HSA deductible comparisons were provided. Jennifer Mayo suggested mixing renewal HSA with option one for PPO as a compromise; Braithwaite said he would ask the insurance agent whether mixing options remains permissible.

Council discussed the fiscal trade-offs (Mayor Kinney said the city would pay roughly $11,000 more if premiums are adjusted rather than passing costs to employees) and asked staff to invite LP Insurance to present in person before the June 1 open-enrollment effective date. No motion was made and the council took no action.