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Commissioners adopt insurance committee recommendations for 2025 benefits, authorize manager to sign renewals
Summary
The Grand County Board approved the insurance subcommittee—s 2025 benefits recommendations: no change to medical/dental funding, higher HSA county contributions, modest employee premium increases (committee-preferred option), virtual primary-care visits, and a shift of voluntary products to Lincoln Financial.
The Grand County Board of County Commissioners on Sept. 24 adopted the insurance subcommittee—s packaged recommendations for 2025 employee benefits and authorized the county manager to sign the renewal and amendment documents.
Kelsey Heller of Hub International presented the committee—s analysis, saying the county—s per‑employee medical cost has stabilized at "that $1,500 per employee per month mark," a level she described as normal for a client of the county—s size. Heller recommended no change to internal medical funding rates (a 0.7% projection) and no increase to dental funding, while proposing modest employee premium increases to move the county toward a 90/10 employer/employee split.
The benefits committee recommended the county raise its HSA contributions to $850 annually for single coverage and $1,700 for family coverage to offset IRS increases in minimum HDHP deductibles. For employee premiums the committee favored "option 2," a uniform dollar increase the presentation showed as a $3/month increase for single coverage and $6/month for family coverage.
Heller also recommended adding access to primary‑care virtual visits — paid at existing office copay levels — and moving voluntary life and accident products from multiple vendors into Lincoln Financial. The move to Lincoln would allow employees to enroll up to specified guaranteed‑issue amounts without medical underwriting and would reduce county costs for basic life and LTD, the presentation said.
Commissioner Cimino moved to approve the recommendations and "authorize the county manager to sign all applicable documents." The motion passed by voice vote; the board directed staff to finalize carrier renewal documents and proceed with implementation and employee communication.
What happens next: HR and Hub will finalize contracts and the county manager will sign the renewal/amendment documents; staff said they will include the changes in open enrollment materials and work through enrollment transition details for voluntary products.
