Kossuth supervisors discuss option of high-deductible plan and HSAs; informational sessions planned

Kossuth County supervisors spent substantial time reviewing proposals to add a high-deductible health-plan option, administer health savings accounts (HSAs) locally, and whether to provide a stipend for staff who manage the county's self-insured fund. The board agreed to continue research and to host informational sessions for employees in March ahead of open enrollment.

Supervisor discussion centered on three practical questions: who will administer HSAs, whether the county should front-load employer contributions for employees switching midyear, and whether the duties for managing the health-insurance fund should remain in the engineer's office, be assigned to HR, or carry an explicit stipend. Several supervisors and staff noted that local banks offer HSA custodial services but fees vary, while third-party administrators (WageWorks and similar firms) offer different feature sets, including investment options and administrative fees.

Donna (staff) and county staff proposed two informational meetings for employees and noted open enrollment target dates: informational sessions in late March (including safety training day for road crew on April 24) and a proposed May 5 open enrollment date for general employees. Board members asked staff to obtain cost estimates for insurance products that protect employees who face large deductibles early in coverage (loan or front-load insurance) and to return with clearer cost and operational guidance so the board can act by March 25 if necessary.

Ending: Staff will gather proposals for HSA custodianship, estimates for front-loading or gap coverage and present options at follow-up meetings and informational sessions for employees before the enrollment period.