title
SDRMA Employee Health Benefits Cost Comparison
end
Requested Action(s)
recommendation
a.) Receive a follow-up update regarding employee health and ancillary benefit options available through the Special District Risk Management Authority (SDRMA) and review the associated 2026 cost comparison; and
b.) Discuss the Medical EPO, Platinum PPO, and Gold PPO plan options and provide direction to staff regarding the benefit options and employer contribution structure to further develop for future Commission consideration.
body
Financial Impact:
There is no immediate fiscal impact associated with receiving the update, reviewing the cost comparison, or providing direction to staff. No enrollment or expenditure authorization is requested through this item.
The comparison is based on four currently enrolled employees and assumes that each employee's contribution will remain fixed at the current amount of $266.97 per month. The estimated costs are:
Benefit Option
Total Monthly Premium
Monthly Employer Cost
Annual Employer Cost
Annual Increase
Current County benefits
$9,891.32
$8,823.44
$105,881.28
-
SDRMA Gold PPO
$14,221.38
$13,153.50
$157,842.00
$51,960.72
SDRMA Platinum PPO
$15,191.64
$14,123.76
$169,485.12
$63,603.84
SDRMA Medical EPO
$16,932.34
$15,864.46
$190,373.52
$84,492.24
Based on these assumptions, the annual employer cost would increase by approximately 49.1% under the Gold PPO option, 60.1% under the Platinum PPO option, or 79.8% under the Medical EPO option.
The SDRMA comparison includes medical coverage, the High 51+ dental plan, VSP Option 3 vision coverage, and $20,000 in basic life insurance. It does not separately identify costs for short-term disability, long-term disability, or other ancillary benefit elections. Final costs will depend upon the plans selected, employee enrollment, dependent coverage, the employer contribution structure approved by the Commission, and completion of SDRMA's eligibility and underwriting requireme...
Click here for full text