Lapeer County Special Board Meeting 10/1/26

At a special meeting of the Lapeer County Board of Commissioners on October 1, 2026, officials and Marsh representatives discussed whether to move the county’s employee health coverage to a self-funded model for the 2027 plan year. Marsh’s analysis described potential savings, including figures of about $500,000 and $2.3 million, though commissioners questioned the assumptions behind the projections and the sharp changes in claims. The discussion also cited an estimated stop-loss premium of about $569,000 and an individual-claim threshold of roughly $200,000. Officials said stop-loss and aggregate coverage would limit exposure to high claims, while self-funding would leave the county responsible for claims costs and their cash-flow fluctuations.

Staff said employee benefits would not change for 2027, the health savings option would remain, and plan three would be eliminated. Marsh would continue providing brokerage support and handling claims administration; HR said it could manage its added responsibilities without additional staff. The county said it had until October 8 to provide information needed for the 2027 insurance process. Commissioners discussed the risks, possible employee cost reductions, and future wellness incentives, but the transcript does not record a vote or final decision on self-funding. The agenda was approved; no other procurement-related motion is captured.