[0:05] >> All right,

[0:06] I've got 4:30. If everyone

[0:07] would turn

[0:08] on their microphone.

[0:11] Is the recording going?

[0:12] >> Yes.

[0:13] >> All right, well,

[0:14] welcome you all to the

[0:15] Regular Finance Personnel

[0:16] Insurance Committee meeting.

[0:19] Today is Tuesday, August

[0:20] 11, 2026. Are we

[0:23] in compliance

[0:24] with the open meeting?

[0:25] >> Yes, you are.

[0:26] >> Thank you. Number 2, we

[0:27] have an agenda. Someone like

[0:30] to move.

[0:32] >> Move to approve the

[0:33] agenda, please.

[0:34] >> Second.

[0:36] >> Any changes, questions?

[0:37] All right, so I'll put

[0:41] into a vote to approve the

[0:44] agenda as presented. All

[0:47] those in favor signify

[0:49] by saying aye.

[0:51] >> Aye.

[0:52] >> Opposed, same sign.

[0:53] That passes.

[0:55] Number 3, we have two former

[0:58] minutes to approve. Do we do

[1:02] those together or separately?

[1:06] >> Do it together.

[1:08] >> Thank you. So we have the

[1:09] draft minutes from the July

[1:11] 14 meeting and the July 21

[1:14] meeting to approve.

[1:15] >> I make a motion.

[1:25] >> Thank you. Any changes,

[1:31] corrections, typos?

[1:39] All those in favor

[1:41] of approving the Draft

[1:42] minutes from July 14 and

[1:43] July 21, 2026 meetings

[1:45] signify by saying aye.

[1:46] >> Aye.

[1:48] >> Those opposed,

[1:49] same sign. It's passed. All

[1:53] right, number 4, public

[1:54] comment.

[1:56] >> None here.

[1:58] >> So, no public here. So, we

[2:00] won't have any public

[2:01] comment. Number 5,

[2:03] communications.

[2:05] >> No communications either.

[2:06] >> Thank you, Stephanie. No

[2:08] communications. We'll move

[2:09] on to number 6, business

[2:11] items, starting

[2:12] with the presentation

[2:13] of the Sauk county medical

[2:14] Plan options by M3

[2:15] Insurance.

[2:16] >> Yeah, so I'll kick it

[2:18] off ever so briefly. So M3

[2:20] was here last month,

[2:22] the month before,

[2:23] presented information

[2:24] on kind of where we were at

[2:26] with medical plan options,

[2:27] looking for 2027 and

[2:29] beyond. So, I've done some

[2:30] work with the M3 team,

[2:31] have some more numbers,

[2:34] information,

[2:35] some pieces where we're at.

[2:37] As of today,

[2:38] nothing is finalized yet. As

[2:39] we go

[2:40] through the budget process,

[2:41] Lisa and I will continue

[2:43] to work through plan design

[2:44] and what makes the most

[2:46] sense. But wanted to update

[2:47] the committee because this

[2:48] will ultimately be coming

[2:50] back through a resolution

[2:51] for 2027 plans next month

[2:54] in September. So that way

[2:55] we're not hopefully

[2:57] surprising you. We won't be

[2:58] with too much here. So, I'm

[3:00] just going

[3:01] to get them plugged.

[3:28] >> Technology.

[3:45] >> Thank you.

[3:46] >> Nice

[3:47] to see you all again. Ryan

[3:48] Pels with M3 Clayton

[3:49] executive work closely with

[3:51] Lisa and MJ. As we presented

[3:52] last month, we kind of laid

[3:54] out the roadmap

[3:55] of what it looks like

[3:57] for the county,

[4:00] what we're doing together

[4:01] in terms of marketing. So

[4:03] what you have in front of you

[4:04] is really an illustration

[4:06] of what's up here. So, this

[4:08] is. We'll walk

[4:10] through the presentation

[4:11] on the TV as well, but this

[4:13] is the executive summary. So

[4:14] we did receive the renewal

[4:16] from Dean, the health

[4:17] insurance renewal from

[4:18] Dean, and it came out

[4:19] at 14.9%. And if you

[4:20] remember, for those

[4:21] of you that were

[4:22] in the room last month,

[4:23] we went

[4:24] through how you're running

[4:25] in terms

[4:26] of medical loss ratio, your

[4:28] experience, the high cost

[4:30] claimants,

[4:31] probably not surprised based

[4:32] on that presentation a month

[4:33] ago.

[4:34] Right.

[4:35] So, 14.9 weren't super

[4:36] excited about that. I worked

[4:37] with Anna, went back to Dean

[4:38] and was able to

[4:39] at least get 1 percentage

[4:40] point off. So that is

[4:43] depicted

[4:44] on this screen here. The

[4:46] other items that we talked

[4:49] about last month were

[4:51] strategic planning that we've

[4:53] been working together on

[4:54] in terms of rounding

[4:56] out the benefit options

[4:58] within the county. So we've

[4:59] always had the traditional

[5:00] low deductible option for

[5:02] employees and it's always

[5:04] been the desire to add to

[5:06] that a high deductible health

[5:08] plan that can be paired

[5:09] with an HSA. So, we will show

[5:11] you what that means

[5:12] to the district, excuse me,

[5:14] to the county as we walk

[5:16] through here.

[5:18] But any questions

[5:19] on the executive summary

[5:21] before we dive into the high

[5:22] deductible health plan

[5:25] options and what that looks

[5:26] like in terms of modeling? I

[5:29] know this is small. I

[5:30] apologize.

[5:33] >> So after the meeting,

[5:35] I didn't want

[5:36] to give you too much

[5:37] in advance, but

[5:38] after the meeting,

[5:39] this is on. Everything

[5:41] they're going to present is a

[5:42] link via the website. So, we

[5:43] will send this out

[5:44] to the committee. So, you will

[5:45] have all this information.

[5:46] So don't take crazy notes.

[5:47] We'll give this to you. We

[5:48] just didn't want

[5:49] to get you too far

[5:50] on the leads before we could

[5:51] give you a high level and run

[5:52] through it first.

[5:53] >> Yeah.

[5:54] And I would say there's a

[5:55] lot of information

[5:56] on this link that will be

[5:57] sent out to you. So, if you

[5:58] have any questions,

[5:59] feel free to reach out to

[6:00] Hannah and the team. We're

[6:01] happy to answer that. We'll

[6:02] summarize all the information

[6:04] here. And as I'm going fast,

[6:05] I apologize. We will talk

[6:08] about quickly. The dental

[6:09] renewal came in at plus 6%.

[6:11] And just as a reminder,

[6:14] that is a voluntary plan. So

[6:15] that's no financial impact

[6:17] to the county, but we want

[6:20] to at least let you know it's

[6:22] a 6%. And I would say that's

[6:24] very common right now

[6:26] in the dental. We

[6:27] talked a little bit about

[6:28] that. I think last month,

[6:29] dental,

[6:31] we're seeing anywhere from 8

[6:32] to 10% increases just based

[6:33] on marketplace and inflation,

[6:34] etc. So the voluntary dental

[6:38] plan came in at 6%. Your

[6:40] vision plan all the way

[6:42] to the right is 0%. That is

[6:44] in rate guarantee until 2030.

[6:46] So those lines I just wanted

[6:48] to chat about quick

[6:49] before we move into,

[6:51] obviously, the high end here,

[6:53] the medical modeling and the

[6:55] renewal.

[6:57] >> And if you have additional

[6:58] questions or you want

[6:59] additional details on the

[7:00] dental and vision renewals,

[7:01] there are tabs

[7:02] at the top that you can see.

[7:04] When you get this,

[7:05] you can read

[7:07] through it all. There is a

[7:08] ton of information on there

[7:09] about how those plans are

[7:10] running and whatnot. So

[7:11] that's available to you

[7:13] to review. But we know we

[7:15] only have a short amount

[7:16] of time, so we want to focus

[7:17] on the medical today.

[7:20] Okay.

[7:22] So, we'll just really

[7:23] quickly jump to this tab. We

[7:24] kind of already talked

[7:25] about it. Initial renewal is

[7:27] a 14.9. Ryan was able to go

[7:28] back and get a 13.9%

[7:29] increase. Right here

[7:31] in this box right there, you

[7:33] can see the calculated

[7:35] increase. So M3,

[7:39] our actuarial analysis, our

[7:41] risk management team puts

[7:42] together an actuarial

[7:43] analysis. So, we have what

[7:45] your prior year renewal

[7:47] calculated

[7:48] at that means what Dean said,

[7:49] hey,

[7:50] this is what they deserve

[7:52] for an increase. So, if you'll

[7:53] remember, you got a 9.9 last

[7:55] year. Dean really should have

[7:57] given you a 27.84 just

[7:58] because

[8:00] of how you were running,

[8:02] how the county was running,

[8:03] I should say. So, they gave

[8:05] you initial rate relief.

[8:07] Same thing this year. 32.5 is

[8:08] actually what was warranted.

[8:09] They came out at the 14

[8:11] point,

[8:12] or they gave you 17.6% of

[8:13] rate relief is what we call

[8:14] it. And then the recommended

[8:16] increase was what they put

[8:18] out with the 14.9. We have

[8:22] now gotten it down to 13.9.

[8:24] And then this side right here

[8:26] is what our risk management

[8:28] actuaries calculated. We

[8:30] would have said based

[8:32] on how you're running,

[8:34] it would be a 34.45. And then

[8:35] the rate relief we would have

[8:38] given you was a 9.43

[8:41] for various factors,

[8:42] credibility, things

[8:43] like that. But then our final

[8:44] renewal that,

[8:46] like our actuary team

[8:47] Sundays was a 25. So that

[8:49] 13.9 might seem like a lot,

[8:51] but it's actually better than

[8:54] what M3 would have calculated

[8:56] as well. So we felt it was

[8:58] fair for the market.

[9:01] Any questions on that?

[9:04] >> I have a question.

[9:05] I know there's a lot

[9:06] to that,

[9:08] but how do they come up

[9:09] with those figures? And how

[9:10] did you come up

[9:11] with your figures

[9:12] before them?

[9:13] >> Sure.

[9:14] Great question.

[9:15] >> That's a lot.

[9:16] >> Yeah, it is a lot. So, and

[9:17] we touched on this, I think,

[9:19] last month, too. How carriers

[9:20] look at this and evaluate

[9:21] specific claims. So, they're

[9:22] going

[9:24] to calculate that based

[9:26] on prior experience, based

[9:28] on current experience. And

[9:29] they can see when we chatted

[9:31] about high cost claims and

[9:32] known risk. Right. They know

[9:34] what the prognosis

[9:35] of that is. So, there's a lot

[9:37] of variables going forward,

[9:39] including the fact that they

[9:41] have a hospital here. So, we

[9:44] chatted about that as well.

[9:45] Sauk county is an important

[9:47] client to them. So, they're

[9:48] not going

[9:50] to release a 27.84%. They

[9:51] know it's not viable

[9:52] for you. But when they look

[9:54] at that prior period,

[9:55] current period,

[9:58] and they walk that down,

[9:59] they will come

[10:00] to a business adjustment,

[10:01] which is that rate relief

[10:03] to get to that 14.9%. So

[10:06] there's also the look

[10:07] at their manual rates. So, if

[10:09] it was just that plan design,

[10:11] that $500 deductible plan

[10:12] design that you currently

[10:14] have here at the county,

[10:16] what would that be manually?

[10:17] And they'll compare that to

[10:18] your actual experience as

[10:20] well. There's a lot that goes

[10:21] in there from an actuarial

[10:22] standpoint.

[10:24] >> I thought I heard you say

[10:25] that they're going back

[10:26] at what the county has

[10:27] in the past.

[10:29] Correct?

[10:30] Are they also doing

[10:32] comparison to other counties

[10:33] and other organizations

[10:34] similar size or is it mostly

[10:36] just based on what Sauk

[10:37] county is?

[10:38] >> No, they'll look at their

[10:40] pool performance as well.

[10:41] So, you're in a pool

[10:43] at deemed powered by

[10:44] Medica.

[10:45] Right.

[10:46] And how is that pool

[10:47] performing?

[10:48] And the larger you are and

[10:50] the longer you are

[10:51] with a carrier, the more

[10:52] credibility you have.

[10:54] So, you're a fairly large

[10:55] district and I don't have it

[10:56] in front of me. The actual

[10:57] exhibit. They'll give you

[10:59] credibility to what Lex said

[11:00] earlier. You're not

[11:02] necessarily 100% credible,

[11:04] or maybe you are,

[11:05] I can't recall. And then they

[11:07] would hunt. Your experience

[11:10] is what they will go

[11:11] off of. They won't compare

[11:13] you to anything else because

[11:15] they know you have enough

[11:16] lives and they can trend that

[11:18] forward

[11:19] to how your performance is

[11:20] with them,

[11:21] if that makes sense. Okay, so

[11:22] all the way to the right.

[11:26] Lex mentioned the 34.45, the

[11:28] 9.43 initial rate relief and

[11:29] the 25.02. How we come up

[11:31] with that is we have about

[11:33] 1300 clients,

[11:36] employee benefit clients

[11:38] with health insurance

[11:39] within the M3 family. So

[11:41] that's all the benchmarking

[11:42] in our data, if you will. So

[11:45] that's aggregated and

[11:46] averaged out and then the

[11:48] actuaries do their math and

[11:50] that's how they come up

[11:52] with that. It's not perfect,

[11:55] but it's generally speaking

[11:57] client your size based

[11:58] on your geography.

[12:01] What are we seeing overall

[12:02] in the book of business

[12:04] for the most current period,

[12:05] if you will.

[12:13] >> So, we won't go through,

[12:14] you know, the high cost

[12:15] claims and stuff. We did that

[12:17] last time for those

[12:18] of you that were here. But

[12:19] again you'll have that

[12:21] information that you can kind

[12:22] of look at when we talk

[12:23] about that. Last time we were

[12:25] here we talked

[12:26] about how we were going

[12:28] to go to market the different

[12:30] options we had. Self funding,

[12:31] ICHRA,

[12:32] all those fun things. We

[12:33] determined let's just stick

[12:34] with fully insured because

[12:36] that's what made sense

[12:37] for your group

[12:38] in the county. And so we did

[12:39] and unfortunately all

[12:41] of the plans or all

[12:43] of the carriers that we went

[12:44] to market for so Group

[12:46] Health Cooperative, GHC,

[12:47] WPS Health Solutions, WCAGHT

[12:49] with is Wisconsin Counties

[12:50] Association, Group Health

[12:53] Trust and courts,

[12:55] they all denied. Now courts,

[12:56] I will say they really dated

[12:58] a lot of back and forth

[13:00] with us. We're really diving

[13:01] into some things. We gave

[13:03] them a lot of, you know,

[13:04] we had a lot

[13:06] of conversations

[13:07] but ultimately none

[13:08] of the carriers were able to

[13:09] provide more competitive

[13:10] rates than you have than your

[13:12] renewal would be. So that's

[13:14] why they declined quote.

[13:16] >> Any questions

[13:19] on the marketing

[13:20] at all?

[13:30] >> All right, I know there's

[13:32] a ton of stuff on here,

[13:35] but we'll walk you

[13:36] through it and then

[13:38] like I said, you guys will

[13:39] get this and you can review

[13:40] it on your own. Do you want

[13:41] to start?

[13:43] >> Yeah, sure.

[13:44] So the table up top here

[13:45] shows your current HMO spend.

[13:46] That dark blue bar. Lex will

[13:47] scroll over that and then

[13:49] your renewal. So total

[13:50] premium,

[13:51] what that 13.9% results in.

[13:53] And then what we did was we

[13:56] asked Dean for some alternate

[13:58] plan options knowing that we

[14:01] would really like to offer

[14:03] high deductible health plan

[14:06] that could be paired

[14:08] with an HSA. And so this

[14:09] shows total premium at the

[14:10] 1700 53,500 single family

[14:13] deductible HSA option, the

[14:14] 2000, 4000 option, 357 option

[14:15] and then the 48 option

[14:17] in a couple,

[14:18] just a couple pieces

[14:20] of information here. Option

[14:22] 117 53,500. That is the

[14:24] minimum the IRS will allow

[14:27] for deductibles that qualify

[14:31] for HSAs. 2000, 4000. Very

[14:39] common plan design if you

[14:41] will, especially if you're

[14:43] just thinking

[14:45] about implementing an HSA.

[14:46] And the reason for that is

[14:48] every year the IRS will up

[14:50] that minimum. So last year I

[14:51] think it was $1,700 34. They

[14:53] always up it like $50 a

[14:56] single, $100 a family every

[14:58] year. That happens when we

[15:01] have clients

[15:02] with more minimums. The

[15:05] employees say, why are you

[15:06] upping my deductible? It's

[15:08] not us, it's the IRS. So our

[15:10] strategy is always

[15:12] to increase that a little bit

[15:14] to 2,000, 4,000, so we get

[15:15] away

[15:17] from that minimum increase

[15:19] from the IRS. So we really

[15:20] focused on this 2000, $4,000

[15:22] plan with Dean, if that makes

[15:23] sense. So go ahead, Lex.

[15:28] >> I was just going to say,

[15:29] this chart right here,

[15:31] all this is,

[15:32] is it's just a chart version

[15:33] of what's above. So we've

[15:34] shown a lot

[15:36] of it multiple ways

[15:37] for people that like

[15:38] to see it different ways.

[15:39] Same thing with the point

[15:41] of service plan. Exactly what

[15:42] Ryan talked about. You have

[15:43] 10 people on the point

[15:45] of service plan

[15:46] with the county. So we,

[15:48] for the purpose of this,

[15:49] we really won't focus much

[15:50] on the point

[15:51] of service plan,

[15:52] but that will continue

[15:53] to be offered. That's not

[15:55] going away way. It's just

[15:56] there's only 10 people. So

[15:57] it's minimal spend and it's

[15:58] minimal. We'll talk about it.

[16:02] >> I have a question.

[16:03] >> Yeah, go ahead.

[16:04] >> Thank you. I couldn't

[16:05] actually see the numbers

[16:08] of how much we'd be spending

[16:09] for each of those plans,

[16:11] but is that based on the

[16:13] people who are currently

[16:14] enrolled?

[16:16] >> Yep.

[16:17] So that's current

[16:18] elections as of today,

[16:19] or when we sent this over,

[16:20] that your team provided us a

[16:21] census and we sent that over.

[16:22] And keep in mind,

[16:23] on this tab, we're looking

[16:24] at the total as a whole.

[16:28] That's not just the county

[16:29] spend. So the county pays 88%

[16:30] of the HMO and 83

[16:33] of the point of service. So

[16:38] that breakdown is a little

[16:40] bit further

[16:41] in the presentation,

[16:43] but this is looking at the

[16:44] just the total premiums as a

[16:46] whole. And on that,

[16:47] on this page, this total

[16:49] renewal annual and total

[16:52] current annual, those numbers

[16:53] include both employee and

[16:55] employer contributions. So

[16:59] that's a total combined

[17:01] blended. But we'll get

[17:02] to the breakdown here.

[17:04] >> Yeah.

[17:08] >> Okay, so this screen here,

[17:10] what we did is very

[17:12] conservative adoption

[17:13] of the HSA. We don't think

[17:15] that half

[17:17] of your staff is going

[17:18] to elect the HSA. It's just,

[17:20] it's a different plan design.

[17:22] You know, it's got different

[17:24] nuances, if you will. So we

[17:26] like

[17:27] to be very conservative. If

[17:28] we do implement an HDHP,

[17:30] what does that mean? How does

[17:32] it look? So on the left here

[17:34] you can see 10% adoption.

[17:36] What does that mean?

[17:38] To your question, before we

[17:39] showed that minus 7.04%

[17:41] of that 2000, 4000. That's if

[17:43] everybody goes

[17:44] into that plan design,

[17:46] it's not going to happen. So

[17:48] 10%, what is the result

[17:49] for 10%?

[17:51] You can see basically it is

[17:52] $110,000 savings

[17:54] to the county. And how we

[17:56] derived at that is the

[17:59] premium differential that

[18:00] minus 7.04%.

[18:03] But then we're going

[18:04] to give the

[18:05] employees an incentive

[18:06] to enroll in this. Right.

[18:08] It's an HSA qualified plan.

[18:10] 1500 per single, 2000 per

[18:12] family, excuse me, 3000 per

[18:14] family would go

[18:15] into an HSA. The county would

[18:16] contribute that to

[18:18] their account. When you roll

[18:19] all that up,

[18:20] there still is a savings of

[18:22] $110,000 to the county.

[18:26] >> And keep in mind,

[18:27] this modeling

[18:28] on this page is based off

[18:29] of 2000, $4,000 deductible

[18:31] plan. And the we were kind

[18:32] of our idea

[18:35] behind why we decided

[18:37] to do a $1500, $3000

[18:39] contribution to the HSA is so

[18:41] that the HSA plan would still

[18:43] feel like your $500,000 plan.

[18:48] Right.

[18:50] So your deductible minus

[18:51] the HRA contributions would

[18:52] be about that. So we wanted

[18:55] to keep it equitable.

[18:56] But that said,

[18:57] this is not set in stone

[18:58] like Anna said. None

[19:00] of this is set in stone.

[19:01] This is just what we model

[19:02] because that's what we're

[19:04] seeing as far as

[19:05] benchmarking. And that's what

[19:07] people typically do first

[19:08] year. Again, if we decide

[19:10] to go down this route,

[19:11] we can talk a lot more

[19:12] about it, but we wouldn't

[19:13] necessarily say that every

[19:14] single year the county would

[19:17] give 1500, 3000. It might just

[19:19] be a first year. You give

[19:20] that and then, you know,

[19:22] going forward it's a little

[19:23] bit less to adjustment.

[19:25] That's, that's kind

[19:26] of the strategy that we see

[19:27] with a good number

[19:30] of our clients that do roll

[19:32] out a high deductible health

[19:33] plan option is that maybe the

[19:35] first year to help them seed

[19:37] their HSA a little bit more?

[19:39] Because those people that

[19:40] don't use the doctor,

[19:41] they're going

[19:42] to have a nice slush fund

[19:43] in their HSA that rolls

[19:44] over year after year.

[19:45] Because remember, it's not

[19:46] like an FSA. It's their money

[19:47] that they get

[19:48] to keep and that will stay

[19:49] in that account.

[19:51] Yeah?

[19:53] >> So you talked

[19:54] about that 10% adoption,

[19:56] meaning 10% of the employees

[19:58] might do that. Is there a

[20:00] profile of who does that?

[20:04] >> I don't think that's

[20:05] perfect. But in general,

[20:07] I think we talked

[20:08] about this last month is,

[20:09] you know, it's individuals.

[20:10] It might be the younger

[20:12] generation that doesn't go

[20:13] to the doctor that would

[20:15] like their premiums

[20:16] to be lower, but also would

[20:17] like to save

[20:18] for retirement. It could be

[20:19] an older person that's close

[20:21] to retirement that wants to

[20:22] stock some money away as

[20:23] well. It's just a general

[20:25] rule of thumb, working

[20:26] with our actuaries and Dean

[20:28] Health plan, what they see

[20:30] when clients implement this,

[20:32] it's about 10% just across

[20:34] the board. I don't think

[20:36] there's really a profile

[20:37] there in general,

[20:39] generally speaking.

[20:48] >> Okay, so we modeled it

[20:50] 10%, 20%, 30%. You can see

[20:51] the more adoption,

[20:53] the more savings.

[20:54] Right.

[20:55] That just makes sense. If

[20:57] we scroll. Actually, we want

[20:59] to go to the next page. So

[21:00] this is where I think it's

[21:02] going to answer a lot more

[21:03] questions. So the first.

[21:06] Sorry, the first over here

[21:08] on the left in the red,

[21:09] that's if nobody goes,

[21:11] right? If we have nobody

[21:12] to take you up on the offer

[21:14] of the high deductible health

[21:16] plan.

[21:17] Right.

[21:18] We know what your numbers

[21:19] are.

[21:20] Okay.

[23:46] >> I bet 10% adoption

[23:47] level, 110,000 savings is

[23:50] that after factoring

[23:51] in if we were to contribute

[23:53] to an HSA for them?

[23:54] >> That's factoring in that

[23:56] 15, 3 HSA.

[23:57] >> Good question.

[24:00] >> Yeah. So then if we go

[24:02] down here, this is more ways

[24:04] to show you this same stuff.

[24:07] Right.

[24:08] It's helpful to see HMO

[24:09] point of service down here.

[24:16] The combined total. So

[24:17] assuming this is where I was

[24:18] trying to get

[24:20] to earlier was the combined.

[24:22] If HMO and point

[24:23] of service had 10%,

[24:25] you'll see the savings

[24:26] of the 110, 20%, 221 and then

[24:28] the 30% is 3 times 37. That

[24:32] was a lot.

[24:45] >> I mean that is a lot.

[24:49] >> It's a lot. And you know,

[24:50] we opened with this. This is

[24:52] a work in progress. We're

[24:53] still working with Anna and

[24:54] team, you know,

[24:55] to model some options out

[24:57] for the county.

[24:58] But this is where we are

[24:59] today with the renewal. We

[25:00] didn't have any bidders right

[25:02] from our marketing events.

[25:04] So we do have options

[25:06] within the deemed health

[25:07] plan. But we wanted to show

[25:08] you your current HMO and then

[25:10] what it would look like

[25:12] with the HSA plan as well.

[25:16] So we'll continue

[25:17] to do this based on the

[25:18] conversation you all have and

[25:19] support the county

[25:21] in any way we can.

[25:25] >> Why would there be no

[25:26] bidders? What would be the

[25:27] reasoning

[25:28] for the no bidders?

[25:29] >> They're looking at your

[25:31] most recent experience and

[25:33] then your prior experience.

[25:34] And so when they put that

[25:36] through their quoting system,

[25:38] all things equal, I think

[25:40] Lex said this, they can't

[25:42] produce a competitive bid.

[25:44] So then it's very industry

[25:47] typical that they'll just

[25:49] decline to quote. So all

[25:52] those carriers that Lex

[25:54] mentioned decline to quote,

[25:56] but they're looking at the

[25:57] county's specific experience.

[26:02] Yeah, they will. Yep. Once

[26:07] that renewal comes out,

[26:09] it's shared with them. And

[26:10] again that's industry

[26:13] standard as well.

[26:15] >> Any other questions?

[26:17] >> I guess, thoughts on the

[26:19] high deductible health plan?

[26:21] Do we want to talk

[26:23] about the ALTS to the HMO,

[26:25] not the high deductible plan?

[26:29] >> Yeah.

[26:30] So we gave you a bunch

[26:32] of information about high

[26:34] deductible health plans.

[26:35] Now, if you guys are like,

[26:36] you know what,

[26:37] we don't have the appetite

[26:38] for that right now. We do

[26:39] have other options

[26:40] to tweak your current plan.

[26:42] So that current $500,000

[26:43] plan, we do have options

[26:46] for that. So, yeah,

[26:48] if we went to this plan,

[26:49] increasing the deductible

[26:51] slightly, $750 single, $1500

[26:53] family,

[26:55] then that would get you to

[26:57] about 11.62%. So that would

[27:02] drop it a few points down.

[27:05] And then if you went

[27:06] to alternate two,

[27:08] that would be a 1,000,

[27:09] $2,000 deductible,

[27:11] which would get you

[27:12] to a 9.17% increase. So what

[27:15] we wanted to also show you is

[27:17] our benchmarking. So M3,

[27:20] we talk a lot about edge,

[27:22] right? So our education and

[27:23] government entities, we

[27:24] pulled our benchmarking just

[27:26] for that book of business.

[27:27] So we have 223 plans

[27:29] in that book of business.

[27:31] You'll notice that where

[27:33] you're at today, that $500

[27:34] deductible, you're beating

[27:37] out most of our book

[27:39] of business. Right. There's

[27:41] 16% of our Edge clients

[27:43] that are within that $500

[27:44] deductible. And what we

[27:46] suggested, all those plans

[27:49] that we suggested would still

[27:52] be less than the most

[27:55] popular, if you will,

[27:58] plan offering within our

[28:00] Edge book. So typically we're

[28:01] seeing between 1501-2000. So

[28:05] you would either be at with

[28:06] that high deductible health

[28:07] plan or below with any of

[28:09] those options that we talked

[28:11] about. So Sauk county will

[28:12] still keep their amazing

[28:13] benefits that they have

[28:15] with the medical,

[28:17] but we understand that

[28:18] at some point it may not be

[28:20] affordable to the county or

[28:21] their employees anymore. So

[28:23] that's a lot to think about.

[28:27] But I wanted

[28:29] to make sure we kind

[28:30] of talked about that. You can

[28:32] see current is 500. Even if

[28:34] you jump to the 1000, you're

[28:36] still $1300

[28:37] below the average deductible,

[28:40] which is 2,300.

[28:48] >> Yeah. And we could do

[28:50] that.

[28:52] >> Yes, correct.

[28:53] >> What was the minimum

[28:55] deductible you need for the

[28:56] high deductible health plan?

[28:58] >> Yep.

[29:00] >> And one thing I will say,

[29:02] the way the high deductible

[29:05] health plan is set up,

[29:08] the deductible and the max

[29:10] out of pocket are the same

[29:11] because there's 100%

[29:13] coinsurance in network,

[29:15] there's 100% co insurance.

[29:16] So that means if you picked a

[29:17] 2, 4, right.

[29:18] Like if you went to the 2.4

[29:19] high deductible health plan,

[29:20] that would mean that your

[29:22] plan today would has a

[29:24] $1,753,500 max out

[29:28] of pocket. Your high

[29:29] deductible health plan max

[29:30] out of pocket will be

[29:32] 2,000, 4,000. So you'd be

[29:33] 250 and $500 more on the max

[29:35] out of pocket. So even if you

[29:37] move to the 750, 1500

[29:40] out plan, the max out

[29:42] of pocket is a 2, 4. So it

[29:44] would kind of keep things a

[29:46] little bit more

[29:47] in line if you bumped up

[29:48] to that 750, 1500. Not saying

[29:50] that you have to. Right. But

[29:51] if you were going

[29:52] to implement a 2, 4, then it

[29:54] would, you know,

[29:56] it would be easier to say the

[29:57] plans work differently.

[30:01] Right.

[30:02] On a high deductible

[30:03] health plan, there's no CO

[30:04] pays,

[30:06] you're paying everything out

[30:07] of pocket. But if you asked

[30:08] all little bit earlier

[30:09] about kind

[30:10] of what's the profile maybe

[30:12] of somebody that uses it,

[30:13] somebody that is using their

[30:14] plan and maxing

[30:17] out their plan anyway,

[30:18] they might take you up on the

[30:20] HSA or the high deductible

[30:21] plan with the HSA, because

[30:22] that HSA contribution is

[30:23] going to pay for their,

[30:24] their deductible,

[30:25] but it's also their max out

[30:26] of pocket on a high

[30:27] deductible plan.

[30:28] >> I was thinking more

[30:29] of it as compared to a weight

[30:31] scale because if you're not

[30:32] making a lot of money,

[30:33] people tend

[30:34] to take the lowest deduction.

[30:37] But there are advantages to

[30:38] the HSAs that you can take

[30:40] advantage of,

[30:42] but you also kind of need to

[30:43] have a wage where you can

[30:44] afford

[30:45] to pay that bill.

[30:47] >> Yep.

[30:48] >> I guess that's kind

[30:49] of what I was getting at. Is

[30:50] there any kind of breakdown

[30:52] in those categories?

[30:54] >> I would also say though

[30:55] that the high deductible

[30:56] health plan,

[30:57] that premium is lower. So, if

[30:58] you are savvy enough

[30:59] to say, okay. Let's say

[31:01] there's a delta of $50 a

[31:03] month,

[31:05] I don't know what it is

[31:06] off the top of my head of

[31:07] $50 a month, if I say, okay,

[31:08] I'm going to put that extra

[31:10] $50 into my HSA,

[31:11] then I save that for the

[31:13] rainy day when I do have a

[31:15] claim. If, you know, plus

[31:16] what the county contributes

[31:20] but again,

[31:21] it's consumerism.

[31:23] Right.

[31:24] So, like you have

[31:25] to be a good consumer.

[31:26] But keep in mind on the high

[31:28] deductible health plan, your

[31:29] preventive visits are covered

[31:30] at no cost as long as they're

[31:34] preventive. You know how that

[31:35] goes. So make sure they're

[31:37] coded as preventive, but that

[31:38] annual preventive visit is

[31:40] covered. So if that's all

[31:41] people are going to

[31:43] in the doctor, you know,

[31:44] maybe an urgent care visit,

[31:46] you can use the telehealth

[31:49] for certain things and that

[31:50] will help cut back

[31:53] on costs as well. So, it's

[31:54] education, definitely.

[31:57] >> Yeah. And kind of asking

[31:58] what motivates people

[31:59] to want

[32:00] to get what plan?

[32:02] >> It's a great question and

[32:03] great point. I think it does

[32:04] come down

[32:05] to that premium too.

[32:06] Right.

[32:07] So that Lex's point,

[32:08] that HDHP is going

[32:10] to be much cheaper. So if you

[32:11] did save that

[32:12] into your HSA,

[32:14] you're no worse,

[32:15] worse off.

[32:16] Right.

[32:17] I always

[32:18] describe it this way. I feel

[32:19] like HSA plans are like pay

[32:20] as you go where a traditional

[32:21] plan is a prepaid plan.

[32:23] Right.

[32:24] You have those co pays,

[32:25] you can predict that,

[32:27] what that out

[32:28] of pocket is. But

[32:29] for those plans,

[32:30] they're going

[32:31] to be much more expensive.

[32:32] So it all depends on when,

[32:33] how the bath shakes out.

[32:35] >> Do you guys have a tool

[32:37] available where the employees

[32:39] can go in and kind

[32:41] of do some prediction

[32:42] against that? And the reason

[32:43] I ask is, you know,

[32:45] my daughter started with her

[32:46] company and so I was really.

[32:48] Because she's generally

[32:50] healthy. Right. Said hey,

[32:51] you know, tried to point

[32:53] out the advantages for her to

[32:54] take the high deductible plan

[32:56] and capitalize on being able

[33:00] to save that HSA. Because if

[33:02] she's healthy,

[33:03] especially if you have no,

[33:05] she's 24 years old,

[33:07] maybe she doesn't use it

[33:08] for 15, 16 years. She's

[33:10] building that nest egg that

[33:11] has a lot of flexibility

[33:12] for her later in life.

[33:14] Absolutely. You know, and she

[33:15] was getting it right and I

[33:18] think leaning towards that.

[33:20] Then when her package came

[33:21] out, she was able

[33:23] to log online and we were

[33:24] able

[33:25] to do some real time go.

[33:26] Okay, so you go in

[33:27] for your physical, you do

[33:29] this, you do that. Let's say

[33:30] you have an accident,

[33:31] you got to go

[33:32] to the emergency room,

[33:33] you could plug that all in

[33:35] and came back and told her

[33:37] what her out

[33:38] of pocket costs were going

[33:39] to be across the board

[33:40] on three different plans,

[33:42] which then really kind

[33:43] of motivated her

[33:44] to understand, you know,

[33:46] some of the selection options

[33:47] she had where she wanted

[33:48] to go.

[33:50] >> Yeah, it sounds to me,

[33:51] that's a decision support

[33:52] tool that's built

[33:54] into maybe an HRIS system.

[33:55] Now we're going to get

[33:57] into all of our jargon

[33:58] over here, but that's

[33:59] probably what that is. I

[34:00] would tell you that we don't

[34:02] currently have something the

[34:03] county doesn't currently

[34:04] have something like that.

[34:06] It's generally probably

[34:07] harder to do with a provider

[34:09] owned HMO. I would say you

[34:11] could probably do it better

[34:12] on the pharmacy side with

[34:13] your pharmacies because

[34:16] that's where the biggest

[34:18] difference is. And in the

[34:20] self funded market that's

[34:21] it's easier to do because you

[34:23] have a wider array

[34:25] of providers to access.

[34:27] In other words, an MRI,

[34:29] an open MRI might be $595

[34:30] versus here in town,

[34:32] it might be $4,200. That's

[34:33] where the consumerism comes

[34:35] in. But that sounds like just

[34:36] a decision support tool

[34:38] that's out there and they're

[34:40] helpful, super helpful.

[34:42] But generally speaking, no,

[34:43] we don't have anything

[34:46] like that. And I would say if

[34:48] you do have medical needs,

[34:50] you can always access your

[34:51] EOBs and kind of figure that

[34:53] out on your own as well. I

[34:54] know that's not probably the

[34:55] answer you're looking for.

[34:58] >> No, that's like. No. I was

[34:59] just wondering because, you

[35:00] know, and I understand, you

[35:03] know, Sam's concern makes a

[35:04] lot of sense.

[35:05] Right.

[35:06] You don't want lower wage

[35:07] employees taking advantage

[35:08] of it, particularly if they

[35:10] do have health issues. You

[35:12] want them to get a job.

[35:13] >> Correct.

[35:14] Yes.

[35:15] >> But to the other side

[35:16] of it, you have a young

[35:18] healthy male or female that's

[35:19] cruising

[35:21] along and they're not going

[35:22] to have a medical need

[35:24] for another 20 years. That

[35:30] high deductible plan is

[35:32] really a great alternative.

[35:34] >> It is,

[35:35] I would say too... Sorry

[35:36] to cut you off.

[35:37] >> As long as the HS.

[35:38] >> I would say that was part

[35:39] of the strategy behind how we

[35:40] design this, right?

[35:41] With Hannah and team is,

[35:42] is if you think about that

[35:44] $2000, $4000 and what that

[35:45] seeded HSA contribution is

[35:47] at that 1500 or $3000, it

[35:49] still feels

[35:52] like your current plan

[35:53] to a certain extent. So, you

[35:55] can anticipate that even if

[35:57] you have the worst year

[35:58] out there, it's going

[36:00] to cost you that $500 out

[36:02] of pocket or you know,

[36:04] that thousand for a family.

[36:06] So I mean it's not just.

[36:08] You're right,

[36:09] there are a lot of

[36:10] individuals that will just

[36:11] choose the cheapest and they

[36:13] don't know how it works. And

[36:14] that's a situation that we

[36:15] don't want to be in,

[36:16] we would want

[36:17] to do the education up front.

[36:18] But still having that HSA

[36:20] contribution really does

[36:21] support that incentive

[36:23] to increase participation

[36:25] in that HDHP.

[36:28] >> We don't necessarily have

[36:29] a support tool where they

[36:30] could go in and say, I take

[36:32] this, I go

[36:33] to the doctor this many

[36:34] times. But we do have

[36:35] modeling that we can put

[36:37] together that says, okay,

[36:38] I'm a low utilizer. I go in,

[36:40] maybe I go in for my physical

[36:43] and I maybe have an urgent

[36:44] care visit or an office visit

[36:47] a year. And then we can, we

[36:48] can show how that would look

[36:49] or

[36:52] like a medium utilizer.

[36:53] Like, okay, we all go in

[36:54] for a preventive care. We

[36:55] maybe have one ER visit here.

[36:59] Two office visits. I'm

[37:00] just spitballing here. And

[37:01] then a high utilizer,

[37:04] I take an expensive medicine,

[37:06] I go into the doctor.

[37:07] >> My FSA was gone

[37:10] by the end of January.

[37:12] >> Yeah, exactly. So keep

[37:14] in mind it's easy

[37:16] on the HMO. You're gonna hit

[37:18] your max out of pocket, you

[37:19] know what your maximum

[37:21] exposure is. So it's easier

[37:23] to model that way. And then

[37:25] we can, you know, put

[37:26] in the, whatever the HSA

[37:28] contributions are. So we can

[37:30] model that. It's just not

[37:33] able to be customized by the

[37:34] employee that would be

[37:35] looking at it.

[37:36] >> Sure. No, that would be a

[37:37] great, I think. Supplement

[37:39] when they roll these out. So

[37:47] employees could see. Yeah, I

[37:49] mean that's pretty educated

[37:51] on their choices because a

[37:52] lot

[37:54] of them you say you didn't

[37:56] get through the whole world

[37:57] insurance you got to insure

[37:58] and their eyes glazed over.

[38:01] I didn't understand that

[38:02] when I went to the pharmacy

[38:03] on HDHP that it was going

[38:04] to cost me $300

[38:05] for my prescription.

[38:06] Right.

[38:08] I mean, those are the

[38:09] biggest challenge or changes

[38:10] I should say. When you look,

[38:11] think about. There's no $1

[38:13] coverage

[38:14] on an HSA qualified plan

[38:16] except for preventive care.

[38:19] That includes pharmacy. So if

[38:20] you're on a high end

[38:21] specialty pharmacy or

[38:24] prescription, sometimes it's

[38:25] beneficial because you can

[38:27] hit that max right away.

[38:28] Other times it might not be

[38:29] dependent

[38:30] on the plan design.

[38:35] >> Any other questions?

[38:37] >> I have a question

[38:38] about people be allowed to

[38:40] pick what bank or place they

[38:43] would hold their HSA or

[38:45] would we suggest...

[38:48] >> That would be

[38:49] something we work

[38:50] with the HR team on. So it's

[38:51] easy from the employee

[38:53] standpoint and the county

[38:56] in terms of payroll

[38:58] deductions and contributions

[38:59] from the county.

[39:03] >> So it's just most likely

[39:04] as one.

[39:06] >> Yeah. There's vendors out

[39:08] there that make it super easy

[39:10] on the consumer and the

[39:11] client.

[39:12] One of the most common is

[39:13] I don't know if you've ever

[39:14] dealt

[39:15] with a company called task

[39:17] out of Madison. They offer

[39:18] both. So, you know, so

[39:21] from our standpoint,

[39:23] it's a one shop stop. So I

[39:24] don't know if that's three

[39:26] hazards.

[39:28] >> Today, you have FSA

[39:30] with EVC. EVC also does HS.

[39:32] So that would be the route we

[39:33] would probably suggest.

[39:34] But again,

[39:35] we haven't gotten that far

[39:36] with all of that. But a Task

[39:37] does a great job. EVC does a

[39:39] great job. They do the same

[39:41] stuff also both randomly

[39:42] located in Madison and

[39:44] Middleton. So we have the two

[39:47] largest admin administrative

[39:48] plan offerings.

[39:56] >> But yeah,

[39:58] we're not holding the money.

[39:59] It's gone

[40:01] to a certain part.

[40:02] >> Any question?

[40:04] >> Okay, well,

[40:06] thank you very much.

[40:08] >> Thanks

[40:09] to getting the links

[40:10] to the data.

[40:12] >> Okay.

[40:14] >> Yeah. If you have any

[40:15] questions after that,

[40:16] let us know.

[40:24] >> All right, we'll move on

[40:25] to 6B. Resolution

[40:26] to purchase vehicle for the

[40:27] ABRC transportation program

[40:28] and amend the 2026 budget.

[40:32] >> All right,

[40:36] you're good.

[40:57] >> All right, so for those

[40:58] of you who don't know me,

[40:59] I'm Quinn Haas. I'm the

[41:00] director of the ADRC. Stacey

[41:01] is my transportation

[41:03] supervisor for the ADRC and

[41:06] Troy Garwood is our

[41:07] transportation coordinator.

[41:09] So I brought them

[41:10] with because they know more

[41:11] about the transportation

[41:15] program and the resolution.

[41:16] But as you can tell, the

[41:17] resolution has been brought

[41:18] to you. And basically what

[41:20] happens is we have,

[41:22] I guess you would say,

[41:23] a fleet

[41:24] of vehicles that we utilize

[41:26] to transport individuals

[41:28] to medical appointments.

[41:31] They have to be 60 and

[41:32] over or have a disability.

[41:35] And the way that our

[41:38] transportation department

[41:40] works is that Stacy applies

[41:43] for two different grants

[41:44] every year. One is a state

[41:48] grant, 8521, and then the

[41:50] 5310 is a federal grant that

[41:51] is administered

[41:53] by the state. And there are

[41:55] reports that are done

[41:56] quarterly. And so

[41:57] with our grant, a lot of

[42:00] times we are allowed any

[42:02] money that is not spent

[42:03] throughout the year

[42:05] can go

[42:06] into our dot trust fund. And

[42:08] that DOT trust fund can't

[42:09] have more than $80,000 in it

[42:11] at any given time. And so we

[42:15] have been fortunate enough

[42:17] that with our fleet

[42:18] of vehicles that we use,

[42:20] we have been able to,

[42:22] when they meet,

[42:23] what do you call it?

[42:25] >> The end of useful life.

[42:27] >> End of useful life that

[42:29] they are sent to auction.

[42:31] So Troy just sent one

[42:32] of our vans to auction

[42:35] because it had more than the

[42:38] mileage that is considered

[42:39] useful life. And so that's

[42:41] still at auction rate

[42:44] for another week or so. And

[42:45] so whatever we get

[42:48] from that then goes back

[42:50] into our program.

[42:53] But basically we took that

[42:54] one

[42:56] to auction and we had money

[42:57] in our DOT trust fund. And so

[42:59] we are looking

[43:00] at replacing that vehicle.

[43:02] And so that's what this

[43:04] resolution is about. Again,

[43:05] there is no additional tax

[43:06] levy that we're asking. The

[43:08] money comes

[43:10] from our grants that go into

[43:12] our DOT trust fund and then

[43:14] we utilize that money

[43:15] to purchase a new vehicle.

[43:17] Troy does all

[43:19] of the checking into vehicles

[43:21] that are handicap accessible

[43:23] and getting bids. So he

[43:24] worked on that prior and then

[43:26] that went

[43:27] to our ADRC board. And so

[43:29] they were able to see which

[43:30] vans were looked at.

[43:32] But we typically

[43:34] like these vans the best.

[43:35] Our drivers

[43:37] like these vans the best.

[43:38] They came in the best price.

[43:39] But again, we did look

[43:41] at other options. We work

[43:44] with AMJ Mobility, which

[43:46] helps to retrofit the vehicle

[43:48] so they that they're

[43:50] wheelchair accessible. And I

[43:52] don't know you have anything

[43:55] to add because again,

[43:57] it's not my program.

[43:58] >> Any questions?

[44:02] >> No. I think I was on the

[44:04] board when we approved this

[44:07] vehicle.

[44:12] >> That might have been time

[44:13] to retire.

[44:18] >> Your useful life is...

[44:21] >> All right.

[44:23] >> We have a motion and a

[44:26] second final offer. Any other

[44:28] discussion?

[44:32] >> I did have one question

[44:33] and I know because it's

[44:34] specially equipped,

[44:36] it's probably not worthy.

[44:38] Is there any thought process

[44:39] to turning these vehicles

[44:41] over possibly a year older,

[44:42] 25,000 miles sooner, get a

[44:43] little higher resale value

[44:45] maybe, or practical. I know,

[44:48] that's what I'm saying.

[44:50] Because it's special

[44:52] equipped. I don't know if we

[44:53] would.

[44:55] >> And just so I understand

[44:56] what you're asking, selling

[44:57] them earlier so we get more

[44:59] money out

[45:00] of them or trading them back,

[45:02] that would be fine. I don't

[45:03] think it would increase what

[45:04] we get out

[45:05] of them as opposed

[45:06] to how much we get out of

[45:07] them as far as revenue and

[45:08] use.

[45:09] >> Yeah, that's what I was

[45:10] curious because I know like

[45:12] with our squads, if you know,

[45:13] we can dump one at 50,000

[45:14] miles versus 75,000 miles,

[45:16] they're significant.

[45:18] >> And anecdotally the last

[45:20] van we sold was about the

[45:22] same mileage and we got

[45:23] about 14,

[45:25] for this one is going about

[45:27] the same pace as the other

[45:29] one did. We may not get as

[45:31] much just because times are a

[45:32] little different, but

[45:34] it's a decent,

[45:36] it's a worthwhile suggestion.

[45:40] But we get a lot of life out

[45:41] of these vans and trying

[45:42] to buy one every, I mean

[45:45] 50,000 miles honestly.

[45:47] >> Oh, I would say I was

[45:48] thinking five years versus

[45:49] seven years for example. So

[45:51] is there is there value

[45:53] in that or not?

[45:54] >> And it all depends

[45:55] on if we have money in our

[45:56] DOT trust fund because again,

[45:57] you know, not every

[45:59] year do we have and these

[46:00] vehicles are obviously quite

[46:02] expensive, especially

[46:05] after they have

[46:07] to be retrofitted and all

[46:08] of that. So that would be the

[46:09] only other thought. We don't

[46:11] always have the funds in our

[46:13] DOT trust fund and we utilize

[46:14] that so that there is no tax

[46:15] levy used in order

[46:16] to purchase these.

[46:19] >> Cool.

[46:21] >> All right.

[46:22] Well, we have a motion and

[46:23] a second. I'll call for

[46:24] to vote. All those in favor

[46:25] of sending the resolution

[46:29] to purchase vehicle for the

[46:30] ADRC transportation program

[46:31] and amend the 2026 budget

[46:32] to the county board. Please

[46:35] say aye.

[46:36] >> Aye.

[46:38] >> Any opposed, same sign.

[46:40] That passed unanimously.

[46:41] >> Thank you.

[46:42] >> Thank you.

[46:47] >> All right. 6C,

[46:48] presentation quarterly

[46:49] accounts receivable reports.

[46:52] >> So, the four departments

[46:54] that we look at their

[46:55] quarterly accounts receivable

[46:56] are attached and granted

[46:57] assets for their second

[46:58] quarter of the year ending

[47:00] June 30, 2026.

[47:05] >> 6D. Budget Update.

[47:07] >> I just wanted to give an

[47:18] update of where we're at

[47:19] with the budget. July 31st

[47:20] was our deadline

[47:22] for the departments to get in

[47:23] their initial budget requests

[47:26] and then last week and this

[47:28] week as an admin team. So

[47:30] Lisa, Anna, myself, Tara and

[47:32] then Louis from our MIS

[47:34] department have been sitting

[47:35] down with the departments

[47:37] individually going

[47:38] over what they submitted,

[47:41] just talking to them

[47:42] about it. The plan is then to

[47:44] bring everything together and

[47:45] see where we're at. I will

[47:48] say we got estimates

[47:49] from the Department of

[47:51] Revenue last week and I ran

[47:53] estimated numbers. There's

[47:54] the more of the details

[47:56] of the numbers are on my

[47:58] accounting monthly report

[48:00] later in the agenda.

[48:01] But I won't get

[48:02] into all of the

[48:04] numbers and the figures. But

[48:07] the preliminary estimates

[48:09] that we're getting from the

[48:10] Department of Revenue for net

[48:12] new construction increases

[48:16] are not looking great. It's

[48:17] down from prior years. So

[48:18] we're looking at our tax levy

[48:19] that we are not going

[48:20] to be able

[48:21] to increase it very much.

[48:22] Maybe about 490,000. Again,

[48:23] that's an estimate. Right now

[48:24] we don't have the final

[48:25] numbers, so I can't say if

[48:26] that's the final number or

[48:27] not yet. So just looking

[48:28] at you know, we just heard

[48:29] from the health insurance

[48:30] increases there the

[48:32] department asks that are

[48:33] coming in. We're looking

[48:35] at what we need to put

[48:37] together. I think we're going

[48:38] to start brainstorming some

[48:39] ideas and putting it all

[48:40] together before we bring the

[48:41] full budget presentation

[48:42] to you. But I just wanted

[48:44] to let you know kind

[48:45] of where we're

[48:46] at right now. I don't know if

[48:48] Lisa had anything she wanted

[48:49] to add to it.

[48:51] >> The bad news is?

[48:54] >> This is the shocker

[48:55] before the sheriff came in to

[48:58] today because I hadn't looked

[48:59] at the bottom line yet. We

[49:00] have no union negotiated

[49:02] contract yet, so to speak.

[49:04] We are $10 million over what

[49:06] we can actually levy right

[49:08] now. So we are going to have

[49:10] to make some pretty hard

[49:11] choices, folks, going

[49:14] into this next budget cycle.

[49:15] Because when we look at the

[49:17] revenues that we're allowed

[49:19] to increase, we're talking to

[49:20] folks that haven't touched

[49:22] their fee schedule schedules

[49:24] in 10 years to really start

[49:25] to look at whether or not

[49:26] we're covering our costs.

[49:28] But trying to push sales tax

[49:31] and interest investment. I

[49:33] mean, we're getting to a

[49:34] point where there's very

[49:36] little we can pull out

[49:37] of that anymore. So it is

[49:40] going to be the departments

[49:42] really starting to look

[49:43] at their programs, their

[49:45] services, us figuring

[49:47] out if we can do some tweaks

[49:48] with the health insurance.

[49:50] Not really where I wanted

[49:53] to hear we were this morning,

[49:55] but I'm optimistic that we

[49:57] will get there. I just think

[49:59] we're going to have to be a

[50:00] little creative and

[50:01] innovative.

[50:05] >> Any other budget update

[50:07] questions? Thank you,

[50:11] Stephanie.

[50:12] >> So we've got

[50:16] 6E. Presentation of County

[50:17] Financial Report.

[50:18] >> Okay.

[50:20] >> And those are attached

[50:21] in Granicus. The first page

[50:23] just has some notable lines

[50:24] that we pull out. Those

[50:26] numbers all look in line

[50:27] with where we should be

[50:28] at this time of the year.

[50:29] The second page summarizes

[50:30] sales tax. And Lisa touched

[50:31] on a little bit. The May sales

[50:32] tax figures we got

[50:34] at the end of July. I was a

[50:36] little disappointed. Those

[50:39] didn't come in very good.

[50:42] We're still slightly ahead

[50:43] of where we were

[50:44] at last year, but not much.

[50:46] So I just don't know what

[50:47] sales tax looks like. I mean,

[50:48] we'll see how the rest

[50:49] of the year goes. The sales

[50:50] tax looks like it's kind

[50:51] of leveling off. It's been

[50:53] increasing quite a bit every

[50:54] year since that Covid year.

[50:57] That threw everything

[50:58] in wrench and everything.

[50:59] But I don't know,

[51:00] sales tax right now is

[51:01] looking

[51:02] like it's staying kind

[51:03] of steady with what it was

[51:04] last year. I think interest

[51:06] rates, this isn't

[51:07] on this page, but I think

[51:08] interest rates too are kind

[51:10] of leveling off, hopefully

[51:11] staying where they're at this

[51:12] year and not dropping.

[51:13] Moving on

[51:15] to pages three and four.

[51:17] This is looking at all the

[51:18] revenues and expenses

[51:20] by functional areas. Not a

[51:23] lot outstanding here.

[51:26] Again, our grant numbers,

[51:28] grant revenues maybe don't

[51:30] look so great compared

[51:32] but that's a lot of times our

[51:33] expense expenses are coming

[51:34] in and then we have to apply

[51:36] for the revenue afterwards.

[51:37] So grants do always tend

[51:38] to grant revenue always tends

[51:39] to lag the expenses. And I

[51:40] know like for example, well,

[51:51] one thing like the license

[51:52] and permits number for the

[51:54] health and human service area

[51:56] that looks ahead

[51:57] of schedule.

[51:58] But that's me mainly due to

[51:59] annual food licenses are due

[52:01] June 30th. So most of that

[52:03] food licensing money that

[52:04] comes in into that area has

[52:05] already come in

[52:06] for the year. So that's why

[52:07] that line looks a little

[52:08] ahead of schedule. And then

[52:12] the last two pages is kind

[52:13] of a breakdown more

[52:14] by the department areas. And

[52:15] nobody was really jumping

[52:16] out at this point

[52:18] of the year looking unusual.

[52:21] So did anybody have any

[52:22] questions

[52:23] about financials.

[52:25] >> Number 7. Personnel

[52:29] Insurance Department?

[52:33] Obviously you run with.

[52:36] >> Sounds good.

[52:38] >> So 7A is the safety

[52:40] report. Busy

[52:42] with safety. I will call out

[52:43] that our property claims year

[52:45] to date are a little high.

[52:47] Seen that we've had eight

[52:48] claims this year so far and

[52:50] last year was nine and the

[52:51] year before was ten. So we've

[52:53] just had some unfortunate

[52:55] incidents. We've hit two deer

[52:56] with the sheriff's office.

[52:58] So that was two

[53:00] of the claims.

[53:01] We had a couple plow

[53:02] trucks that were hit.

[53:04] Our plow trucks did not

[53:05] hit. Our plow trucks were

[53:06] hit. I just want

[53:07] to very specify

[53:08] in unfortunate circumstances.

[53:10] That was two

[53:11] of the highways. So we just

[53:13] had some. The deers are kind

[53:15] of a common thing, but the

[53:16] highway trucks getting hit is

[53:17] not common. So that's the

[53:20] property claims continue

[53:21] to work through those

[53:23] liability claims. And then

[53:25] the workers comp is kind

[53:26] of trending. Not that I

[53:28] wanted to trend, but I don't

[53:29] see anything concerning

[53:31] related to those numbers

[53:32] at this point. And then 7B,

[53:36] benefits report. Similar,

[53:38] Just kind of trending where

[53:40] we have been previously. We

[53:42] did have a little jump in

[53:43] healthcare center turnover

[53:44] which caused

[53:46] for our overall turnover

[53:48] to increase a little bit.

[53:49] But we're still sitting

[53:50] at 10% year to date. We do

[53:51] typically see some turnover

[53:52] kind of

[53:53] in the summer months. Just

[53:54] with retirements and folks

[53:57] changing jobs. It's a good

[53:58] time to change jobs. I always

[53:59] said that as a recruiter

[54:00] because kids are out

[54:01] of school and you can kind

[54:02] of adjust and then get back

[54:03] into the swing of things

[54:04] before a kid get back

[54:06] into school. And so summer

[54:07] turnover,

[54:08] there's always a little bit

[54:09] of that that happens. And 7C

[54:12] report is the rest

[54:15] of the department report. So

[54:16] recruitment numbers Working

[54:17] through three open positions

[54:18] right now with the county

[54:20] excluding the health care

[54:22] center. Page two

[54:23] of that report. We did have a

[54:25] little bit of health care

[54:26] center turnover,

[54:28] although we've had, as I

[54:29] said, we've had some good

[54:31] hires though too recently

[54:32] for hires last month

[54:35] to rehire. So busy

[54:37] with recruitment. Busy

[54:38] with some activities

[54:40] for the employees. Page three

[54:41] of that report. Have not had

[54:43] any additional security

[54:44] breaches and investigations

[54:45] for this year. And our goals

[54:47] are all

[54:48] in progress.

[54:54] Those are the big reports.

[54:57] So, I just like

[54:58] to pause. 7D budget report.

[55:00] We're right where we should

[55:01] be a little more than halfway

[55:02] through the year,

[55:03] so I don't have any concerns

[55:05] with where our budget sits. I

[55:06] do have an open risk safety

[55:07] coordinator under that risk

[55:08] management insurance piece.

[55:10] So that position is mostly

[55:12] vacant. She's working a

[55:14] little bit still for me,

[55:16] so that will continue

[55:17] to trend a little bit lower

[55:18] through the end of the year

[55:20] just because we're gonna have

[55:21] a vacancy for a bit. And then

[55:23] the last, 7E, invoices.

[55:26] Looking for approval

[55:27] of invoices of $4,313.68

[55:29] for this month.

[55:32] >> Motion to approve.

[55:34] >> Second.

[55:35] >> Any questions?

[55:50] >> Okay. All those in favor

[55:51] of paying the invoices of

[55:52] $4,313.68 say aye.

[55:55] >> Aye.

[55:57] >> Any oppose,

[55:58] same sign.

[56:01] >> Thank you, Anna.

[56:07] >> All right. First is my

[56:09] monthly report. We've just

[56:10] been obviously busy with tax

[56:11] collection and still continue

[56:12] to work on tax foreclosure.

[56:14] And then budget. Our average

[56:15] rate

[56:17] for investments has gone

[56:20] down this year. There are

[56:21] some shorter term investments

[56:24] that are going up above 4,

[56:26] but those are more of the 13

[56:27] week Zoids. That's really

[56:29] something we've been trying

[56:32] to look for the 2027 budget,

[56:34] but I just. Unless someone

[56:35] has a globe that they can

[56:36] tell me what's going

[56:38] to happen. Magical.

[56:40] Currently we have 1,008

[56:42] parcels that I turned

[56:45] delinquent, which equals

[56:47] about 1.9 million. So

[56:49] hopefully that number goes

[56:51] down a little bit

[56:52] before I do. Tax certificates

[56:54] end of this month. Those

[56:56] delinquent notices went

[56:58] out this morning. So we'll be

[56:59] fielding calls

[57:00] for the next couple days.

[57:02] Budget report. Everything

[57:04] looks normal. Investments are

[57:06] on pace for this year,

[57:08] so we should be good with

[57:09] that. I have the investment

[57:10] report attached. And then my

[57:15] final thing is my invoices,

[57:18] which is always a fun month.

[57:20] $47,262,871.64.

[57:27] >> Any questions for

[57:28] Jessica? I'll take a motion.

[57:30] >> I will make a motion to

[57:32] approve.

[57:37] >> I was just going to say

[57:39] the majority going right

[57:41] across the table.

[57:44] >> You called that.

[57:45] >> Second.

[57:47] >> All in favor of paying the

[57:48] invoices in the amount of

[57:50] $47, 262, 871.64.

[57:51] Please say aye.

[57:59] >> Aye.

[58:02] >> Thank you.

[58:10] >> So, my accounting update

[58:11] is attached in Granicus.

[58:14] We've been having a busy

[58:16] month in July. On July 30,

[58:19] the auditors released a clean

[58:21] audit opinion. It's on the

[58:24] website and I believe it was

[58:25] Lisa sent that out to the all

[58:26] the county board members

[58:28] but it's also

[58:29] on the website if you need

[58:30] to look at that for our

[58:33] 2025 audit statements or

[58:34] financial statements,

[58:36] we've also been working on

[58:37] this is a newer audit

[58:38] requirement. The state DHS

[58:40] requires nursing homes

[58:41] to have another audit. So

[58:42] we've been working on that

[58:43] with our independent auditors

[58:45] and along with the health

[58:46] care center employees. And

[58:48] then we've also been working

[58:49] on getting ready for the

[58:50] single audit which gets

[58:52] released in the fall. So

[58:54] we've been working on that.

[58:55] And budget,

[58:57] we've been getting really

[58:59] busy in budget. Capital

[59:00] improvement plan committee

[59:01] met in July. I already kind

[59:03] of mentioned I won't go

[59:04] through these numbers there

[59:06] in the report,

[59:07] but I included numbers

[59:08] in here that you can read

[59:09] in your free time

[59:10] about where we're looking

[59:11] at our levy for the this year

[59:12] and then upcoming. We just

[59:16] have a lot more budget

[59:17] to work on. And then I've got

[59:19] my other numbers on there.

[59:20] Nothing's out

[59:22] of the ordinary

[59:25] for the county update. Also

[59:26] attached is my year to date

[59:28] budget report that those

[59:29] numbers for the accounting

[59:30] department are also in line

[59:31] with where we should be

[59:32] at this time of year. Then

[59:33] item 9B. Reviewing the

[59:35] accounting department's

[59:37] invoices are I have invoices

[59:38] attached for $7,699.

[59:45] >> Question?

[59:48] >> Second.

[59:53] >> Any questions for Stephanie

[59:54] on any of that?

[59:55] >> Sorry, who seconded?

[1:00:01] >> So all those in favor

[1:00:02] of paying the monthly invoice

[1:00:03] in the amount of $7,699.

[1:00:06] Please signify

[1:00:07] by saying aye.

[1:00:08] >> Aye.

[1:00:10] >> Opposed, same sign.

[1:00:11] Passes as well.

[1:00:14] >> And then we also have

[1:00:15] approval for the county board

[1:00:16] and committee payments

[1:00:17] in the amount of

[1:00:18] $16,379.28.

[1:00:22] >> Move to approve.

[1:00:23] >> Second.

[1:00:25] >> All those in favor of

[1:00:26] paying the committee

[1:00:29] payments, signify

[1:00:31] by saying aye?

[1:00:33] >> Aye.

[1:00:35] >> Opposing, same sign. All

[1:00:38] right, number 10, our next

[1:00:40] meeting will be September 8th

[1:00:41] at 4:30pm. Now, we'll go into

[1:00:45] close session.

[1:00:47] >> I'll move

[1:00:48] to go close session.

[1:00:50] >> Thank you, Supervisor.

[1:00:52] >> For the record, we have

[1:00:54] to read that.

[1:00:56] >> Pardon me?

[1:00:57] >> You have to read.

[1:00:58] >> Oh, I have

[1:00:59] to read it first?

[1:01:00] >> Yes.

[1:01:01] >> Thank you.

[1:01:02] >> Sorry about that.

[1:01:03] >> I jumped the gun.

[1:01:04] >> It is anticipated that the

[1:01:05] Finance, Personnel and

[1:01:06] Insurance Committee may enter

[1:01:07] into closed session pursuant

[1:01:08] to Wis. Stats. S. 19.85 (1)

[1:01:09] (e) Deliberating or

[1:01:12] negotiating the purchasing

[1:01:14] of public properties,

[1:01:15] the investing

[1:01:17] of public funds, or

[1:01:18] conducting other specified

[1:01:19] public business, whenever

[1:01:21] competitive or bargaining

[1:01:22] reasons require a closed

[1:01:23] session. A roll call vote

[1:01:25] will be taken to go

[1:01:26] into closed session and

[1:01:27] to return to open session.

[1:01:28] So this is on the Approval

[1:01:30] to Purchase Property at 515

[1:01:31] Broadway Street, Baraboo, WI

[1:01:33] 53913.

[1:01:35] >> Move to close session.

[1:01:36] >> Thank you. I have a

[1:01:37] motion.

[1:01:38] >> I'll second.

[1:01:39] >> Thank you. And we'll do a

[1:01:43] roll call.

[1:01:48] >> [ CALLING ROLL ]

[1:02:10] >> [ MEETING ADJOURN ]

FINANCE, PERSONNEL & INSURANCE COMMITTEE MEETING (Auto-Generated Trim Backup) - Aug 11th, 2026

Agenda

Transcript