Medical plan surplus and reserve position
Summary
The medical plan is at a 102% loss ratio, already $64,000 over budget halfway through the year, driven partly by large claims — seven people account for nearly half of total costs. Stop-loss insurance softens the blow but is itself projected to rise 30%.
At a glance
- Total mentions
- 2
- Last 30 days
- 0
Discussed at 1 meeting in the last 60 days; most recently Sep 14, 2026.
Impact analysis
The medical plan is expected to finish the year about $64,000 in deficit, slightly over budget.
All plan enrollees benefit from stop-loss insurance and reserve policies that absorb volatile claims.
Mentions & discussions (2)
Marana Health Care Benefits Trust Board — September 14, 2026
One medical claim hit about $900,000 this year and is still ongoing, accounting for over $700,000 of the stop-loss reimbursements. Because it's known, planners have better visibility for future budgets — but stop-loss premiums are expected to rise at renewal.
Marana Health Care Benefits Trust Board — February 9, 2026
The medical plan is at a 102% loss ratio, already $64,000 over budget halfway through the year, driven partly by large claims — seven people account for nearly half of total costs. Stop-loss insurance softens the blow but is itself projected to rise 30%.
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