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Wayzata insurance committee recommends UnitedHealthcare, ClearScript and 7% health-premium increase for 2025-26
Summary
At its March 26 meeting, staff presented an Insurance Committee recommendation to continue self-insurance with UnitedHealthcare for administration and stop-loss, use ClearScript for pharmacy administration, and accept a 7% overall health-premium increase for 2025-26; no vote is shown in the transcript.
Wayzata Public Schools staff told the Board of Education on March 26, 2025, that the district's Insurance Committee unanimously recommended staying with UnitedHealthcare for administration and stop-loss and accepting ClearScript for pharmacy benefits for the 2025-26 plan year. Joanne Fieldseth, the district's Human Resources Benefits Manager, presented the recommendation to the board at the Creekside meeting.
The recommendation follows a Health Insurance Transparency Act (HITA) RFP process (MN Stat. 471.6161) the district began Jan. 16, received bids by Feb. 12, requested best-and-final offers from two vendors on Feb. 25, and reviewed best-and-final proposals on Mar. 25. Staff said the committee based its 7% renewal recommendation on three years of actual medical and pharmacy claims data, district reserve considerations and statewide medical trend information; staff cited a Minnesota medical-trend range of roughly 13'—15% this year and said the district's 23-year average health-increase has been 4.66%.
"The Insurance Committee unanimously recommended staying with UHC with no plan changes," the presentation states. Staff characterized the 7% figure as a compromise between local claims experience and larger regional trends and said no deductible or out-of-pocket maximum changes are proposed. The recommended action submitted to the board reads: "Approve the recommendations of the Insurance Committee that the District selects UnitedHealthcare on a self-insured basis for administration and stop loss, accept the ClearScript pharmacy benefit offer, and accept the 7% rate renewal for the 2025-2026 health insurance plans." The transcript does not show a motion, second, or vote on that recommendation.
If the board approves the recommendation in a subsequent action, employees' actual premium responsibility will vary by employee-group contracts and district contribution levels. The Insurance Committee roster and consultant support were included in the meeting materials.
Next steps identified in the meeting materials are board consideration of the recommended action; the transcript records the recommendation but not a final board decision.
