Commissioners keep county stop‑loss deductible at $125,000 after Gallagher review

Gallagher consultants presented stop‑loss modeling for the county's self‑insured plan and recommended maintaining the current individual stop‑loss deductible at $125,000. Ashley from Gallagher (speaker 4) told the court projections show a baseline 16% rise in claims and that raising the deductible would lower the stop‑loss premium but expose the county to larger claim payments, increasing estimated annual gross costs.

Julie (speaker 15), a benefits administrator, told the court Gallagher's historical look showed roughly three people hit stop loss in 2025 and nine in 2026 to date; based on that trend the consultants and staff recommended no change. The court accepted that recommendation and took no action to raise the deductible.