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5 <br /> Traditional Plan: Point High Deductible Plan/ <br /> of Service Plan Health Savings Account <br /> Choice Plus POS Definity HSA <br /> Maximum Out of $1,500 individual $3,500 individual <br /> Pocket $4,500 family $4,500 family <br /> Out of network Yes Yes <br /> providers available <br /> Flexible Spending Medical FSA ($2,500 Child/dependent care FSA <br /> Account maximum) and ($5,000 maximum) <br /> child/dependent care <br /> FSA ($5,00 maximum) <br /> Health Savings Not available $3,250 maximum/individual <br /> Account $6,250 maximum/family <br /> The plan funding provides the same County contribution regardless of the plan an employee <br /> selects, within each option. In 2012, the County contributed $1,237.20 to a health savings <br /> account on behalf of each employee who enrolled in the High Deductible Plan. This was a <br /> significant factor in the success of the High Deductible Plan, with over 20% of employees <br /> enrolling during the first year. <br /> Dependent Coverage <br /> The County currently pays the cost of coverage for employees and retirees for both the HDP <br /> and POS plans. The County also subsidizes the premium cost for the employee's and retiree's <br /> dependent coverage at 52%, based on the lower priced plan (currently the HDP plan). <br /> Continuation of the subsidy at this level maintains a "family friendly" feature of employment with <br /> Orange County. <br /> In a survey of employees completed in May 2011, only 16% of respondents felt the subsidy <br /> should be changed. <br /> Because UnitedHealthcare did not offer more than four tiers (individual, individual & spouse, <br /> individual & children, family), employees with one child who elected the POS had an increase in <br /> their premiums. Employees who covered their spouse, multiple children or family and elected <br /> the HDP had lower premiums than in 2011. As of August 2012, approximately 42% of <br /> employees and 26% of pre-65 retirees have dependent coverage. <br /> 2013 Options <br /> The UnitedHealthcare quote for renewal of the current Point of Service (POS) and High <br /> Deductible Plan with Health Savings Account (HDP) was 107.1% of current premiums. <br /> Proposed enhancements to these plans resulted in increases ranging from 108.8% to 113.4% of <br /> current premiums. The Board approved a funding level of 123% of 2012 premiums for the <br /> health insurance renewal for FY 2012-13 (six months of benefits). <br /> In determining enhancements that would be most appropriate for County employees, staff <br /> considered how each enhancement would: <br /> A - 3 <br />