Resolution 225-2024 I 4Y
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RESOLUTION NO. 225 -2024
A RESOLUTION OF THE MONROE COUNTY BOARD OF
COUNTY COMMISSIONERS REVISING PREMIUM RATES
FOR MONROE COUNTY MEDICAL AND PRESCRIPTION
COVERAGE FOR ACTIVE AND RETIRED EMPLOYEES;
ESTABLISHING AN EFFECTIVE DATE; AND AMENDING
RESOLUTION NO. 189-2017.
WHEREAS, Monroe County Board of County Commissioners ("BOCC") is the
administrator for the health plan providing medical and prescription coverage for active and retired
employees of Monroe County and the constitutional officers ("Covered Employers"); and
WHEREAS, on March 13, 2001, the BOCC adopted Resolution No. 119-2001, stating
what amount of money a retiree (as defined by Florida Retirement System) must pay, above and
beyond the Florida health insurance subsidy outlined in F.S. 112.363, in order to maintain Monroe
County health insurance after retirement; and
WHEREAS, Resolution 119-2001 was subsequently amended by the BOCC,via
Resolution Nos. 154-2003, 354-2003, and 388-2013; and
WHEREAS, Resolution No. 388-2013 clarified the eligibility of an employee to
remain on the Monroe County group insurance plan("Health Plan"), or to re-enroll following
retirement, and clarified the monthly contribution that the member would pay, depending on
whether the person was hired before or after October 1, 2001, and whether the person had
retired at "normal retirement date" or"early retirement date" (as defined in F.S. 121.021(29)
or (30), respectively); and
WHEREAS,on July 25, 2017,the BOCC adopted numerous changes to contribution
rates in the Monroe County Health Plan for both active and retired employees; and
WHEREAS, one of the changes approved by the BOCC at the July 25, 2017 meeting
was Option 7A, which stated that beginning in Plan Year 2018, the subsidy for retirees hired
prior to 10/1/2001, with a combined years of creditable service plus age of at least seventy
(70) ("Rule of 70 Retirees") who had less than 25 years of service would be phased out over
a 5-year period, with the result that by Plan Year (calendar year) 2022, Rule of 70 Retirees
who are members of the Health Plan with 20-24 years of service would pay 25% of the
actuarial rate, as the term "actuarial rate" was defined in Resolution No. 189-2017, and Rule
of 70 Retirees with 10-20 years of service will pay 50% of the actuarial rate; and
WHEREAS, on July 25, 2017 the BOCC also adopted other options, which impacted
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contribution rates being paid by other retiree groups covered by Resolution No. 388-2013,
and amendment of Resolution No. 388-2013 was required; and
WHEREAS, on September 5, 2017 the BOCC adopted Resolution No. 189-2017,
which amended Resolution No. 388-2013 and set the rules for collection of health insurance
contributions for Group Health Insurance coverage from retired employees of Covered
Employers and established effective date of January 1, 2018; and
WHEREAS, with respect to active employees, for the past several years, the County
has collected different premiums from active employees for medical and prescription
coverage based on date of hire (before 5/1/2012, or on or after 5/1/2021), and the County
desires to create equity by adopting a single rate for all benefit eligible active employees,
and also to adopt streamlined tiers for coverage and cost, and to set streamlined dependent
rates; and
WHEREAS, with respect to Rule of 70 retirees, the County desires to remove the
connection between actuarial tables and rates and instead set rates for Rule of 70 retirees
based on years of service (10-19 or 20-24) and Medicare eligibility; and
WHEREAS, with respect to Rule of 70 retirees on the traditional plan as shown
below, where the County provides medical and prescription coverage for the cost of the
statutory Florida Retirement System health insurance subsidy, the County desires to adopt
the recently increased statutory Florida Retirement System years of service allocation
(health insurance subsidy) as the monthly cost for retiree medical and prescription coverage,
increasing the monthly amount from $5 to $7.50 for each year of service for retirees with
twenty-five (25) or more years of service.
NOW THEREFORE, BE IT RESOLVED BY THE BOARD OF COUNTY
COMMISSIONERS OF MONROE COUNTY, FLORIDA,
Section 1. The recitals above are hereby adopted and incorporated in this Resolution.
Section 2. Active Employees. The County establishes the following premiums for medical and
prescription coverage beginning January 1,2025:
Active Employees,Rate Details:
Active employees shall pay the following premiums effective January 1, 2025:
Proposed 2026 Employee/Dependent Rates
Monroe County Board of Traditional Plan Traditional Plan HDHP/HSA HDHP/HSA
03559/03 1 03559/03769 05182/05183 05182/05183
County Commissioners Monthly Rate I BiWeekly Rate Monthly Rate BiWeekly Rate
EMPLOYEE AND DEPENDENT MEDICAL/RX PREMIUMS EFFECTIVE 1/1/25
All Benefit Elibigle Employees $75 $35 $0 I $0 I
DEPENDENTS ONLY
Spouse Only $433 $200 $293 $135
Spouse+Chi ld(ren) (Family) $758 $350 $509 $235
Child(ren)Only $325 $150 $217 $100
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Section 3. Rule of 70 Retirees.
For "Rule of 70 Retirees" as that term was defined in Monroe County Resolution No. 189-2017, the
County establishes the following premiums for medical and prescription coverage beginning January
1, 2025:
Retired Rule of 70 Employees, Rate Details:
Proposed 2026
Retiree/Dependent Rates
Traditional HDHP/HSA
Monroe Count Board of Plan 06182/06183
y 03669/03769
County Commissioners
Monthly Rate Monthly Rate
RETIREE AND DEPENDENT MEDICAL/RX
RULE OF 70 RETIREES ONLY
(Hired prior to 10/01/01)
25+ YRS - Not Medicare Eligible FRS/HIS $56
20-24 YRS - Not Medicare Eligible $259 $216
10-19 YRS - Not Medicare Eligible $517 $433
10+ YRS - Medicare Eligible
Staying on County Plan $930 $778
Retiree Subsidy Credit - Medicare Eligible
Staying on County Plan $250
Retiree Subsidy Disbursement - Medicare
Eligible Leaving County Plan $250
RETIREES
(Hired 10/01/01 or later)
Non Rule of 70 Retirees -
Not Medicare Eligible $1,034 $865
Non Rule of 70 Retirees -
Medicare Eligible $930 $778
Surviving Spouse -
Not Medicare Eligible $433 $135
Surviving Spouse - Medicare Eligible $930 $778
DEPENDENTS ONLY:
Spouse Only - Medicare Eligible $930 $778
Spouse Only- Not Medicare Eligible $433 $135
Spouse + Child(ren) Not Medicare Eligible $758 $432
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Section 4. F.S. 112.363, Health Insurance Subsidy. The health insurance subsidy specified in
F.S. 112.363 ($7.50 per month) shall constitute payment in full for medical and prescription coverage
for Rule of 70 retirees with 25+years of service on the County's traditional plan who are not
Medicare eligible.
Section 5. Retiree Rate Eligibility. Section 1 of Resolution No. 189-2017 is revised in its
entirety and replaced with the following:
Retiree Rate Eligibility
1. Normal retirement date:
a. Employees in Florida Retirement System (FRS) Regular and Special Risk Classes with
a hire date prior to October 1, 2001, with a minimum of ten (10)years of full-time
service with Covered Employers, who retire on, or after their normal retirement date as
described in Sec. 121.021(29), F.S., and who are covered under the group health
insurance coverage provided by Monroe County upon retirement, may maintain their
group health insurance benefits with Monroe County following their retirement
provided they contribute amounts shown in the table below. Employees also hired
prior to October 1, 2001 in other FRS Classes who complete the number of years of
creditable service required by the Florida Statutes to be eligible for a benefit under
FRS, who retire on, or after, their normal retirement date under Sec. 121.021(29) F.S.,
and who are covered under the group health insurance coverage provided by Monroe
County upon retirement, including those who have retired or will retire in accordance
with these insurance programs, and all other retirees who as of October 1, 2011 were
participating in the County's group insurance program at no cost, will also pay the
same rates.
b. Employees hired on or after October 1, 2001, who meet the requirements of Section
1(a) may maintain their group health insurance benefits with Monroe County
following their termination of employment,provided such retired employees pay to
Monroe County a monthly contribution in an amount established by the Board of
County Commissioners. Such amount will be payable on the first day of every month
commencing with the month following the month in which the employee retires.
2. Early retirement date:
a. Employees with a hire date prior to October 1, 2001, with ten (10)years of full-time
service with Covered Employers who are covered under the group health insurance
coverage provided by Monroe County upon retirement and retire at an early retirement
date, as described in Sec. 121.021(30) F.S., may maintain their group health benefits
with Monroe County following their early retirement,provided such early retirees pay
to Monroe County a monthly contribution in an amount established by the Board of
County Commissioners. Such amount will be payable on the first day of every month
commencing with the month following the month in which the employee retires. Early
retirees who pay the amount described in this paragraph, i.e.,paragraph (2)(b), will
continue to be covered by Monroe County's group health insurance benefits until they
meet the requirements shown in (a) or (b)below:
(a) Sixty (60)years of age for Regular Class employees or fifty-five (55)years of age
for Special Risk Class; or
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(b) Qualifications under the Rule of 70 wherein the combined years of service with a
Covered Employer and the retiree's age equal a total of seventy (70).
Upon satisfying the conditions in (a) or(b) above, these members will be required to
pay the contribution amounts outlined in paragraph 1(a), above.
b. Employees with a hire date on or after October 1, 2001 who meet the requirements of
Section 1. B. (i) above and retire at any early retirement date, may maintain their group
health insurance benefits with Monroe County following their early retirement,
providing such early retirees pay to Monroe County a monthly contribution in an
amount established by the Board of County Commissioners.
3. Retirees where Monroe County was not the last employer, 10+years of service:
Employees with at least ten (10)years of full-time service with a Covered Employer who are
covered under the group health insurance coverage provided by Monroe County upon
termination of employment and are fully vested under FRS who elect not to retire under FRS
upon termination of employment with Monroe County may elect to re-enroll under the group
health insurance coverage provided by Monroe County upon retirement under FRS, provided
that Monroe County was their last FRS employer. Former employees electing this option,
may maintain their group health insurance benefits with Monroe County following such
election,provided such former employees pay to Monroe County a monthly contribution in
an amount established by the Board of County Commissioners. Such amount will be payable
on the first day of every month beginning with the first of the month following the month in
which the employee elected to re-enroll under the group health insurance coverage provided
by Monroe County upon retirement from FRS. Employees electing this option must notify
Monroe County of their intent to re-enroll in the County's group health insurance program.
Employees who re-enroll under the group health insurance coverage pursuant to this
paragraph are not eligible for amount adjustments under paragraph (2) of this resolution.
4. Retirees, < 10 years of service: Employees with less than ten (10) years of full-time service
with a Covered Employer who are covered under the group health insurance coverage
provided by Monroe County upon termination of employment and are fully vested under
FRS, upon retirement under FRS in accordance with these provisions, and provided that a
Covered Employer was their last FRS employer, may maintain their group health insurance
benefits with Monroe County following their termination of employment,provided such
terminated employees pay to Monroe County a monthly contribution in an amount
established by the Board of County Commissioners. Such amount will be payable on the first
day of every month beginning with the first day of the month following the month in which
the employee terminates employment with a Covered Employer. Employees with less than
ten (10)years of full-time service with a Covered Employer are not eligible for amount
adjustments under paragraph(2) of this resolution.
Section 6. The contribution rates shown above are separate and apart from the $250 annual
subsidy for Medicare-eligible Rule of 70 retirees referenced in Resolution No. 339-2017. There are
no changes to the $250 retiree subsidy as defined in Resolution No. 339-2017.
Section 7. The contribution rates set forth in this resolution shall become effective on
January 1, 2025.
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PASSED AND:ADOPTED by the Board of County Commissioners of Monroe County,
Florida, at:a regular meeting held on the•11.tiL day of July,2024.
- .. Mayor Holly Merrill Rasche n • :
Yes . ' ..
Mayor Pro Tem James K. Scholl : : Yes :'
Commissioner Craig Cates : - Absent
• .. •.. Commissioner Michelle Lincoln
:
: : Yes•
: � :: • •. �.
• Commissioner David Rice
,, ..' -'SEAL`:,v.:: :. ..•z,� - -
a',,�' BOARD OF COUNTY COMMISSIONERS
s�•' ; 4,1=,Attest;:@ I EVI,, MADOK, CLERK : .• OF MONROE COUNTY,FLORIDA
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As De• ty Clerk • Mayor e ly Merrill Raschein.
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•Approved as to form and le al sufficient
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