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HEALTH INSURANCE / PERSONNEL - Personnel Director Coral Ferrin
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Requested Action(s)
recommendation
a) Request approval of the following recommendations from the Tehama County Health Insurance Advisory Committee:
1) Increase the medical insurance premiums by 14.20% for the renewal period of January 1, 2026, through December 31, 2026, for the EPO and PPO plans
2) Increase the dental insurance premiums by 8.22% (this includes proposed two-year buy down option outlined below) for the renewal period of January 1, 2026, through December 31, 2026
3) Increase the vision insurance premiums by 15.3% for the renewal period of January 1, 2026, through December 31, 2026
4) Schedule the 2026 Open Enrollment period for October 1-31, 2025
b) Request authorization for the Personnel Director and/or the Auditor to take the necessary steps to notify Alliant Insurance Services (broker), PRISM Health Insurance Program, and the third-party administrator, BCC
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Financial Impact:
The full County contribution per employee for calendar year 2026 will be $2,205.86 per month; $26,470.32 annually. This represents an increase of $271.70 per employee per month for approximately 653 County participants. The increase to the General Fund is approximately $172,801.20 and $249,420.60 to the Public Safety Fund, for a total of approximately $422,221.80 for January through June 2026.
Background Information:
Tehama County participates in the Public Risk Innovation, Solutions, and Management (PRISM) Health Insurance Program, formerly CSAC-EIA. By participating in the PRISM Health Insurance Program, the cost of claims is pooled between the participating members. Pooling claims helps to provide stability and helps to reduce the chance of large premium increases. Tehama County joined the CSAC EIA Health Insurance Program in 2003. In 2006, the EIA Health Program joined with Self Insured Schools of California (SISC), which further increased the pool size and therefore, provided more...
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