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Consultants brief committee on fully insured vs. self-insured health plans

Manistee County Policy/Personnel Committee · May 11, 2026
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Summary

Manquen Vance representatives gave an overview of fully insured and self-insured health plan options; the presentation was informational and no committee action was taken.

Representatives from Manquen Vance, Kimberly Kulas and John Kowalski, presented an overview of employee health plan structures, comparing fully insured and self-insured options and outlining considerations for the county such as risk transfer, administrative responsibilities and potential cost implications. The presentation was given as an informational briefing to the Policy/Personnel Committee.

The consultants described tradeoffs between plan types and answered committee members' questions about structure and potential next steps. No formal motion or direction to staff was recorded on the health benefits item during the meeting; commissioners heard the overview and the committee adjourned following the presentation.

The committee packet included only the overview; no cost figures, plan proposals, or implementation timelines were provided in the transcript. Any future committee or Board action would require more detailed cost analyses and vendor proposals.