Aransas County officials are grappling with rising health insurance costs as they review the county's current medical plan during a recent Commissioners Court Benefits Workshop. The meeting, held on June 13, 2025, highlighted significant financial challenges, with the county's health insurance loss ratios exceeding 100% for the past three years.

The current plan, which includes a medical deductible of $750 for individuals and $2,250 for families, is under scrutiny as officials consider renewal rates for the upcoming plan year. The loss ratio, which measures the relationship between premiums paid and claims made, currently stands at 101.06% for the past year and 115.13% over the last three years. This indicates that for every dollar contributed by the county, over a dollar is being paid out in claims, raising concerns about the sustainability of the current health plan.

During the workshop, officials discussed the implications of these figures, emphasizing the need for more efficient funding strategies. The credibility factor, which reflects the size of the enrolled group and the duration of their participation in the insurance pool, was also addressed. Aransas County's credibility factor is 56.8%, suggesting that while it is manageable, there is room for improvement in predicting future claims.

As the county prepares for potential changes in health insurance plans, officials are tasked with balancing the needs of employees with the financial realities of rising healthcare costs. The discussions from this workshop will likely influence decisions that affect both county employees and the overall budget in the coming year.