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City moves to self-funded health plan with UMR, projects roughly $881,000 savings
Summary
Council approved switching to a self-funded employee health plan administered by United Medical Resources (UMR) effective Jan. 1, 2026, citing lower projected cost growth and enhanced benefits such as $0 virtual visits and improved drug pricing.
City staff recommended moving city employee coverage to a self-funded plan administered by United Medical Resources (UMR), with STARRX pharmacy services and stop-loss coverage through HCC Life Insurance, effective Jan. 1, 2026. Staff presented a 22.8% premium increase quoted by Blue Cross Blue Shield of Illinois for 2026 and said the UMR option would maintain coverage while reducing the city's projected cost growth; staff estimated the change would save the city approximately $881,000.
Staff highlighted plan features including $0 virtual visits and improved pharmaceutical pricing. Council voted 7–0 to adopt the self-funded plan and implement the transition beginning Jan. 1, 2026.
