Administration outlines health-plan options and calls for staff input; board weighs TRS ActiveCare enrollment
July 17, 2026 | FLOUR BLUFF ISD, School Districts, Texas
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District staff gave trustees a detailed update on the self-insured health plan administered with Aetna and Gallagher and said current-year expenses likely exceed revenue.
"We are a self insured plan," the finance lead said, noting roughly $4.5 million in revenue and projected expenses near $5.9 million for the plan this fiscal year. The staff projection included stop-loss insurance and administrative fees and showed a probable near-term deficit that may require an August transfer from general-fund balances to keep the plan solvent.
Staff proposed a range of plan options for 2026 overage, including a high-deductible model that the presenter described as unusually favorable on some metrics: "Our high deductible plan, is $37.50, with a 0% coinsurance out of pocket, which is huge," the presenter said, describing how the design would affect employee out-of-pocket costs and district contributions to HSAs.
Trustees raised concerns about family out-of-pocket maximums in some options (at least one plan featured family maximums trustees described as high enough to be problematic) and asked staff to model employee distribution across plan tiers so the board could see who would gain and who would pay more under the proposed changes.
TRS ActiveCare: staff recommended deeper analysis of TRS ActiveCare as a possible long-term option. The board was advised that joining TRS ActiveCare would require a letter of intent and a board decision by December 2026 to begin coverage September 1, 2027. Trustees asked for a five-year, apples-to-apples historical cost comparison of TRS versus the district
etna experience and suggested inviting TRS representatives to present to the benefits committee and the full board.
Next steps: staff will present final proposed premium rates at the July board meeting and return with comparative five-year data and a TRS presentation for the benefits committee. Open enrollment is scheduled to start Aug. 4.
"We are a self insured plan," the finance lead said, noting roughly $4.5 million in revenue and projected expenses near $5.9 million for the plan this fiscal year. The staff projection included stop-loss insurance and administrative fees and showed a probable near-term deficit that may require an August transfer from general-fund balances to keep the plan solvent.
Staff proposed a range of plan options for 2026 overage, including a high-deductible model that the presenter described as unusually favorable on some metrics: "Our high deductible plan, is $37.50, with a 0% coinsurance out of pocket, which is huge," the presenter said, describing how the design would affect employee out-of-pocket costs and district contributions to HSAs.
Trustees raised concerns about family out-of-pocket maximums in some options (at least one plan featured family maximums trustees described as high enough to be problematic) and asked staff to model employee distribution across plan tiers so the board could see who would gain and who would pay more under the proposed changes.
TRS ActiveCare: staff recommended deeper analysis of TRS ActiveCare as a possible long-term option. The board was advised that joining TRS ActiveCare would require a letter of intent and a board decision by December 2026 to begin coverage September 1, 2027. Trustees asked for a five-year, apples-to-apples historical cost comparison of TRS versus the district
etna experience and suggested inviting TRS representatives to present to the benefits committee and the full board.
Next steps: staff will present final proposed premium rates at the July board meeting and return with comparative five-year data and a TRS presentation for the benefits committee. Open enrollment is scheduled to start Aug. 4.
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