The proposal would place individual stop-loss coverage above $125,000 per participant and set the aggregate claims attachment floor at $13,157,333 for the coverage period beginning Oct. 1.
The proposed agreements would govern Comal County's employee health-plan administration and stop-loss protection beginning Oct. 1, 2026.
Administration would cost $41.66 a month for each composite subscriber unit. The stop-loss agreement adds monthly contributions of $265.12 for individual coverage and $4.15 for aggregate coverage for each unit.
The individual protection applies to eligible paid claims above the per-participant threshold. The aggregate protection applies after combined claim liability reaches its calculated attachment point, which the proposal says cannot be lower than the stated floor.
Both agreements identify the county’s group as 39898. The administrative contract covers plan-management services, while the separate stop-loss contract defines when claims move beyond the county plan’s stated liability thresholds.
Eligible claims paid from Oct. 1, 2026, through Sept. 30, 2027, would fall within the proposed coverage period. The number of covered subscriber units will determine how the monthly per-unit charges translate into total county spending.
The contracts remain proposals. Commissioners are scheduled to consider them during the Aug. 20 meeting; the recorded vote will determine whether the new terms take effect Oct. 1.