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Commission approves Berkshire $95,000 stop‑loss layer for county health plan
Summary
The Daviess County Commissioners approved selecting Berkshire Hathaway for the county's stop‑loss (reinsurance) policy with a $95,000 per‑person attachment point to limit the county's annual exposure to unusually large medical claims.
The Daviess County Commissioners on June 9 approved a stop‑loss reinsurance layer with Berkshire Hathaway that sets the county's per‑person attachment point at $95,000. Acrisure Great Lakes representative MJ Paul Williams presented four options and explained that premiums for current coverage were expiring June 12, 2026.
Williams said the county considered a first reinsurance option with an $85,000 attachment point but moved to increase that to $95,000 to limit potential single‑person exposure. The board voted unanimously to lock in the Berkshire $95,000 deductible (motion by TC Cook; seconded by Nathan Gabhart). The decision establishes the maximum per‑person amount the county would be responsible for before reinsurance pays claims.
The county did not disclose the annual premium total in the meeting minutes; officials said the selection followed a narrowing process led by Amy Davis and Acrisure Great Lakes. The board's motion locks the first layer of stop‑loss coverage and authorizes staff to finalize contracting with the selected carrier.
