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Board keeps 2026 employee health insurance rates flat to protect reserves
Summary
The Pine County Board accepted an insurance committee recommendation to leave employee health insurance rates unchanged for 2026, citing slowly rising claims and stop‑loss exposure that could increase costs if triggered.
The board voted to keep employee health insurance rates unchanged for 2026 following an insurance committee recommendation. Staff reported claims have been slowly increasing, with three high claimants having previously triggered stop‑loss protections; keeping rates flat was presented as a prudent step to protect reserves.
An insurance committee member explained the county reviews claims and stop‑loss trends weekly and expects stop‑loss costs to rise if high claimants continue to trigger coverage. Commissioners thanked the insurance committee for their work and confirmed this would be the second consecutive year with no increase.
The motion to set rates at a 0% change passed by voice vote.
