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Employees warned of higher out-of-pocket exposure; some plans carry $9,000 limits

Culpeper County Board/Committee Meeting · August 11, 2026
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Summary

County staff told supervisors that some plans have out-of-pocket exposure up to $9,000 and that the employee share increased by about $79 a month on the highest plan; supervisors sought examples showing impacts on lower-paid staff.

Caitlin told the committee the county’s plan design includes some out-of-pocket maximums that can reach "up to $9,000," and she argued those amounts contribute to retention and recruitment concerns.

During follow-up, supervisors and staff walked through tiered examples: for the highest plan the county's portion rose by about $91 per month while the employee share rose about $79 per month. Caitlin illustrated the household impact with an example: "if there was an employee making 45,000 ... you're talking about paying almost 12,000 a year" for family coverage in certain plans, a scenario supervisors said highlights affordability pressures for lower-paid staff.

Board members said they wanted more detailed breakdowns by tier and comparisons with adjacent localities before deciding whether to alter contribution policy.