During the recent Budget Workshop #3 held by the Gadsden County Board of County Commissioners on July 25, 2025, significant discussions centered around the impending 7.4% increase in health insurance rates, which is projected to cost the county an additional $2.5 million. This increase raises concerns about the financial implications for both the county and its employees.

The board reviewed three options for absorbing the increased costs: the county could cover 100% of the increase, split it 50/50 with employees, or have employees cover 25% while the county absorbs 75%. The current health insurance budget stands at approximately $2 million, and the increase will push this figure significantly higher, prompting discussions on how to manage these costs effectively.

Commissioners expressed the need to balance employee benefits with fiscal responsibility, noting that the county currently covers the full cost of health insurance for employees. This has been a key factor in employee retention, but the rising costs are prompting a reevaluation of the benefits structure. The board acknowledged that while the current plan is competitive, it may be necessary to explore alternative insurance providers to mitigate costs.

In addition to health insurance, the workshop also touched on property insurance, which has seen fluctuations in budgeted versus actual costs. The county is currently working with its insurance carrier to ensure adequate coverage, especially in light of new facilities coming online that will require insurance.

The discussions highlighted the importance of transparency and community engagement in the budgeting process, as the board aims to make informed decisions that will not only address immediate financial challenges but also support the long-term sustainability of county services. As the board prepares for open enrollment and final budget decisions, the focus remains on finding a balance that supports both employees and the county's financial health.