Clark County Fiscal Court approved renewal of the county’s stop‑loss insurance with HCC and authorized staff to sign necessary documents and proceed with open‑enrollment preparations for 2026.

A benefits consultant reviewed the county’s 2025 medical and pharmacy claims experience, noting that year‑to‑date claims ran about 107.8% of expected and that pharmacy costs accounted for a large share of overage. The consultant said a single claim had already exceeded the $100,000 stop‑loss deductible and another emerging claim was near the deductible level.

The county canvassed the market for stop‑loss carriers and negotiated terms. The presenter recommended staying with HCC because HCC offered favorable fixed costs and contractual terms, including a no‑new‑laser provision and a rate cap the county found preferable to competing quotes. The presenter also described an organ‑transplant rider the county has carried that protected the county in prior years.

A court member moved to approve the renewal of HCC stop‑loss coverage and allow signature of related documents after county review; the motion passed. Court members also approved proceeding with open‑enrollment work and ancillary benefits review (dental/vision/life) as presented.

The staff said the stop‑loss quote hold date was limited; county approval was needed promptly to lock current terms. Specific premium amounts and the final contract text were to be returned to the court for final review before execution.