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County hears health insurance report showing roughly 75% loss ratio, explores cost controls
Summary
Black Ink Benefits reported to the board on health plan activity through February, citing a year‑to‑date loss ratio of about 75% and noting pharmacy and inpatient/outpatient services as primary cost drivers; staff will continue exploring cost‑management options.
Carlos Aponte of Black Ink Benefits reviewed Jefferson County's health insurance experience for January–February, presenting year‑to‑date premiums, total claims and stop‑loss activity.
Aponte said the plan's current loss ratio was "approximately 75%" and discussed cost drivers including inpatient and outpatient services and pharmacy expenses. He outlined potential options for cost management, including evaluating a pharmacy program through Mountain View, and said he will continue to provide regular reports and explore savings opportunities.
No procurement or benefit design decisions were recorded at the meeting; county staff and benefits consultants will continue to analyze cost options and present recommendations to the board.
