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District 23 staff brief board on EBC insurance renewal; PPO projection up 16.2%
Summary
Administration reported Educational Benefits Cooperative renewal projections—PPO +16.2%, HMO +14.4%, dental +3.9%—and recommended continued participation; the board approved renewal of medical and dental plans via the cooperative.
Assistant Superintendent for Finance and Operations Amy McPartlin briefed trustees on the Educational Benefits Cooperative (EBC) renewal for 2026–27. Materials provided to the board showed a PPO medical rate projection of +16.2% (district PPO loss ratio 107.4%), an HMO projection of +14.4% (district HMO loss ratio 90.7%), and a dental rate adjustment of +3.9% (district dental loss ratio 99.4%). The board authorized renewal of the district’s coverage through EBC.
McPartlin told the board that the cooperative structure provides economies of scale but acknowledged that Prospect Heights’ PPO loss ratio exceeded 100%, meaning claims exceed premium. Trustees discussed the projections and voted to approve the proposed renewal and plan participation for 2026–27.
