A move to get LaSalle County employees into high deductible health insurance plans has begun at the County Board. Starting August 1, new non-union employees who want the health insurance benefit will be put in plans with deductibles of at least $1,500 instead of the $250 deductible plan current employees and retirees have.
That will lower insurance premiums, and since the county covers part of the premium price, the county will save money. Board Chairman Jim Olson says it’ll take a while, but he thinks they all should be in high deductible plans. The county will have to negotiate for the change with current employees. Retirees’ plans are in place for life; some of the healthiest and most recent retirees may still use low deductible health insurance plans for the next 30 or more years.
Some people prefer the guarantee of paying a lot along the way over the risk of having to pay a lot for a medical expense later. Olson is looking into programs to help employees with funding for it.