A third option for changing Natick's health insurance options would be to change nothing at all - except the employer/employee contribution rates for premiums. At present, the Town pays the required minimum of 50% toward all so-called PPO plans and anywhere from 77 – 90% toward the various EPO and HMO plans.
By way of example, if all current EPO and HMO plans were shifted to 70% employer cost and 30% employee cost, the Town would save about $1.27 million and all of this savings would be shifted to the employees. The obvious problem with this option is that the overall costs do not change, but a portion of the cost burden is shifted from the employer to the employee. We are hopeful that the employer and the employee can – together – work to reduce overall costs.
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