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Town approves switch to high-deductible health plan with employer-funded deductible
Summary
The board approved switching town employees from Excellus BCBS Simply Blue Platinum to a Simply Blue Bronze HDHP for 2027 and agreed to fund 100% of employees' deductibles initially, with expected near-term savings for the town.
Councilman Adam Boudreau presented a proposed change in health insurance for town employees, moving from Excellus BCBS Simply Blue Platinum to Excellus BCBS Simply Blue Bronze HDHP. The proposal includes funding 100% of employees' deductibles as an initial town contribution and expects net savings to the municipality based on broker analysis.
Boudreau said the change would reduce town costs and lower weekly employee deductions while preserving coverage; supporting documentation from broker Burnham Benefit Advisors was cited in the presentation. The board voted unanimously to approve the change.
Officials noted that any year-end unspent deductible funding would remain town property and could roll over to reduce future contributions to the HRA (deductible) Fund. No specific dollar figure for the town's long-term savings was adopted in the meeting minutes beyond a referenced prior-year increase.
