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5 <br /> additional cost of claims incurred by the spouse. Predicting the claims savings is <br /> difficult without direct experience. <br /> Dental Insurance <br /> The County provides dental coverage for active employees. No rate increase is recommended for <br /> FY 2026-27. <br /> ALIGNMENT WITH STRATEGIC PLAN: This item supports: <br /> • GOAL 2. HEALTHY COMMUNITY <br /> OBJECTIVE 5. Invest in, support, train, and retain our community safety, health, and <br /> emergency services employees and direct care workforce. <br /> FINANCIAL IMPACT: The FY 2026-27 Health and Dental Fund budget request is anticipated to <br /> increase by a maximum of $2,117,040 for health insurance and $0 for dental insurance. <br /> RECOMMENDATION(S): The Manager recommends that the Board: <br /> 1. Approve continued participation in the North Carolina Health Insurance Pool (NCHIP), and <br /> 2. Consider and approve one of the plan design options and the associated employer costs <br /> as outlined in the table below: <br /> Employer Employer Funding RxSave Total Net <br /> Contribution Rate Increa Card Increase Employer <br /> L. am I <br /> FY25/26 $15,470,177 <br /> Option 1 status quo $17,587,217 13.68% $2,117,040 $2,117,040 13.68% <br /> Option 2 RxSave Card $16,486,356 6.57% $1,016,179 $450,000 $1,466,179 9.48% <br /> Option 3 Spousal Surcharge $17,517,217 13.23% $2,047,040 $2,047,040 13.23% <br /> Option 4 Option 2 and 3 $16,416,356 6.12% $946,179 $450,000 $1,396,179 9.02% <br /> 3. Approve 0% increase for dental rates and funding. <br />