the COHCC so employees would experience no disruption. She said the City
of Gahanna would run an RFP for a stop-loss carrier in August 2025 with
stop-loss coverage to take effect January 1, 2026. Vollmer stated NFP
recommended exiting the contract with OSU for urgent care and wellness
and transitioning to First Stop Health for 24/7 virtual urgent care,
PeopleEQ/WellnessIQ for an enhanced, technology-driven wellness
program, and CuraLinc for employee assistance services. She said CuraLinc
would provide employees and dependents with 24/7 access to certified
mental health professionals and that first responders would receive a
dedicated SupportLink phone line staffed by trauma-informed counselors.
Senior Director Vollmer summarized projected financial impacts. She said
the top chart in the NFP report compared estimated 2026 costs under the
proposed vendor arrangements (green) with the costs of remaining in the
COHCC (orange). She said the City of Gahanna transitioned ancillary
benefits, which included dental, vision, and life insurance, to MetLife in 2024.
Vollmer said the transition would produce projected savings of roughly
$800,000 as a minimum for 2026. She said UMR projected a 4.2 lower
spend compared with consortium levels, that pharmacy costs could fall up to
8.1% below the consortium agreement, that First Stop Health would offer
significant savings compared with OSU urgent care (OSU proposed a $270
per-visit fee while First Stop Health would cost about $13,000 for the entire
year), and that the wellness program would yield more than $10,000 in
savings. She said NFP projected a 0% premium increase for employees in
2026 under the proposed model. Vollmer said the City of Gahanna would
include all appropriations for the program in the 2026 operating budget that
staff would present in October. Vollmer outlined two resolutions staff
requested: one to exit the COHCC under the joint self-insurance agreement
(with notice required by October) and a second to establish a health benefits
self-insurance program, authorize Mayor Jadwin to execute related
third-party administrative agreements for health, prescription drug, and
stop-loss services, and authorize the Finance Director to establish an
internal service fund for the self-insurance program.
Councilmember Schnetzer asked for clarification about the consortium and
the City of Gahanna’s role in it. Vollmer confirmed that the COHCC had
twelve members and that Gahanna stood among the largest members. She
said, by contrast, the consortium faced a minimum projected 9% increase for
2026 while the City of Gahanna’s proposed standalone arrangement would
allow a 0% premium increase for employees. Vollmer explained that,
historically, the City of Gahanna performed well on its health insurance
experience over the past three to five years and that when the City of
Gahanna’s claims fell below premiums, the excess premiums flowed into
consortium reserves, which the consortium used to pay other members
whose claims exceeded premiums. Schnetzer asked whether the City of
Gahanna would remove itself from the consortium pool and rely solely on its
own employees, and Vollmer confirmed that the City of Gahanna would
become its own pool. He asked whether NFP would act as the actuary and
run the calculations to determine required contributions, and Vollmer
confirmed that state code required NFP to run actuarial calculations annually
and report recommended reserve levels. She said she, Director Bury, and
Senior Deputy Director Wybensinger were working on seeding the internal
service fund in the 2026 budget to protect against unexpected catastrophic
claims and to avoid a steep premium increase in 2027. Schnetzer asked