Monongalia县用ICHCDA来取代集体健康保险,以减少费用,给予雇员固定津贴以购买个人计划。 Monongalia County replaces group health insurance with an ICHRA to cut costs, giving employees fixed allowances to buy individual plans.

Monongalia县正在以个人健康保险补偿安排取代其集体健康保险,因为费用无法持续增加,健康保险目前消耗了该县4 360万美元预算的13.7%。 Monongalia County is replacing its group health insurance with an Individual Coverage Health Reimbursement Arrangement (ICHRA) due to unsustainable cost increases, with health insurance now consuming 13.7% of the county’s $43.6 million budget. 在新制度下,265名雇员将领取固定津贴,从30多个备选方案中选择个人计划,由县支付约98%的保险费。 Under the new system, 265 employees will receive fixed allowances to choose individual plans from over 30 options, with the county covering about 98% of premiums. 官员说,250名雇员可以少付或不付,这一改变的目的是防止保险费用在五年内超过预算的25%。 Officials say 250 employees could pay less or nothing, and the change aims to prevent insurance costs from exceeding 25% of the budget within five years. 这一转换是继34.8%的保险费上涨与高额报销挂钩之后进行的,县已经拨出资金来管理潜在的补贴变化。 The switch follows a 34.8% premium hike tied to higher claims, and the county has set aside funds to manage potential subsidy changes. 批评者担心有些人可能面临负担不起的覆盖面,但委员们说,该计划是在雇员投入下制定的,包括支助服务。 Critics worry some may face unaffordable coverage, but commissioners say the plan was developed with employee input and includes support services.