[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 ]