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Committee accepts Granular stop‑loss renewal with 9.8% premium increase
Summary
The Douglas County School District Health Advisory Committee voted 6–0 to accept Granular’s stop‑loss renewal — a 9.8% premium increase with no new lasers and a $275,000 deductible — after hearing LP Insurance’s marketing analysis and two alternate deductible options.
The Douglas County School District Health Advisory Committee voted unanimously Oct. 15 to accept a stop‑loss renewal proposal from Granular that increases the premium by 9.8% while keeping the current $275,000 deductible and no new lasers. The motion to accept Granular’s renewal passed 6–0.
Nate Kerr of LP Insurance presented the marketing analysis, which showed 12 carriers contacted, nine declines to quote, and two alternative Granular options: a 1.9% premium increase at a $300,000 deductible and a 4.9% premium decrease at a $325,000 deductible. Committee discussion focused on tradeoffs between premium level and deductible size; the committee concluded the most prudent choice for 2025 was to remain at the current $275,000 deductible with the 9.8% renewal. The committee recorded no amendments and no change in coverage lasers.
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