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Warren County budgets $200,000 buffer amid projected 12–16% health‑insurance jump
Summary
County staff projected a 12%–16% increase in health insurance costs and added $200,000 to the 2027 budget to absorb higher premiums; the board discussed plan design options including encouraging new hires onto high‑deductible plans to control costs.
County staff warned that health insurance costs for 2027 are likely to rise substantially and recommended a $200,000 budget buffer. An insurance representative estimated increases "Minimum, I would say 12 to 16%" during discussion; staff said they added $200,000 to the draft budget to absorb the expected premium increase.
Board members discussed several strategies to manage costs beyond setting aside additional funds: plan design changes (encouraging high‑deductible plans for new hires), premium and deductible adjustments, and the county’s use of difference cards and stop‑loss arrangements to limit exposure. Staff said these tools allow the county to control upward premium pressure while still offering broad coverage to employees.
Officials noted the county is not self‑funded for all plans and that plan choice and enrollment mix will affect the ultimate county share of any premium rise. The board left the $200,000 buffer in place and signaled further review with the insurer at the next scheduled insurance meeting.
