Shouldn’t we give City employees the CHOICE of having a higher deductible in order to lower their family’s insurance premiums?
The highest deductible currently available is $1,200. IF an employee makes a financial and/or risk decision and decide for themselves they want a higher deductible, that CHOICE should be made available to them.
When I was elected my family was given the opportunity to buy into the City’s health plan. I asked for a high deductible which I was told was $1,200 per year. The plan my family has through my business offers a $10,000 deductible per year. If I had gone on the City’s plan it would have cost my family about $400 extra per month, about $4,800 per year. I made a CHOICE that my family could save the $10,000 deductible through premium savings in just two years and set that aside for future health care needs.
I ask that we give City employees family’s the CHOICE for a higher deductible. Keep the lower deductible as an option for employees families but for those who are in the position to afford a higher deductible, wether that is a financial decision or personal risk decision, why not offer this as an option? Especially since I’m told this does not change the plan or the structure or cost of anyones plan with a lower deductible.
Unfortunately one of my colleagues was dead set against this. Why? What’s the harm here? Why argue against lowering a families monthly expenses?
How long can some argue they want to lower the cost of living in Flagstaff yet pass up opportunity after opportunity that would actually help families lower costs?
Let’s give the City’s employees and families more choices and lower their monthly expenses.