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Health insurance premiums to rise 18% for 2025–26 after large claims, district told
Summary
The administration reported an 18% increase in health insurance premiums for 2025–26 through the Heart of Illinois Educators Cooperative (third-party administrator Consociate) following several large claims; prior years' premium changes were reviewed.
Administrator Dale Heidbreder told the Board the Heart of Illinois Educators Cooperative experienced several large claims and that the cooperative is implementing an 18% premium increase for the 2025–26 school year. He presented a multi-year list of past premium changes dating to 2018–19.
Heidbreder read a summary of year-by-year premium changes: 2018–19, 3.5%; 2019–20, 3.5%; 2020–21, 1.5%; 2021–22, 0%; 2022–23, 3.0%; 2023–24, 5.0%; and 2024–25, 11% (followed by the projected 18% increase). The minutes attribute the 18% increase to several large claims within the cooperative.
