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Commission asks staff to use projected savings to offset employee disruption, consider HSAs and navigator support
Summary
Commissioners asked that the estimated savings from moving carriers be banked into a mitigation package — proposals include employer HSA contributions, a transition reserve, and dedicated navigator support during open enrollment to help employees whose providers may become out-of-network.
After the commission discussed network impacts and identified a set of services that could become more expensive under Florida Blue, commissioners asked staff to prepare options that would use the estimated savings to limit employee hardship.
Possible measures discussed included a one-time health savings account contribution per employee (examples discussed: $1,000 per employee), a central transition reserve to reimburse select out-of-network costs for a limited time, and hiring or contracting a benefits navigator to assist employees with provider lookups and prior-authorization issues. The city attorney confirmed the city has authority under state law and AG opinions to craft HR policies that provide capped transition assistance and to present a legally compliant program for commission consideration.
