Loudoun County Public Schools Considers 20 Percent Health Insurance Premium Increase

Loudoun County Public Schools has advanced a proposal to raise health insurance premiums by 20 percent. This measure addresses mounting expenses and seeks to maintain benefit stability. The plan responds to trends observed in the self insurance fund operations.

The health self insurance fund policy requires a balance of no less than two months of annual claims expenditures. Current forecasts show the fund heading toward levels below this requirement. Projections extend into future fiscal years highlighting the need for adjustments.

Rising costs have influenced the fund balance over time. Actual data from prior years demonstrates a downward trajectory in funded months. This situation prompts consideration of premium modifications to support ongoing needs.

Contributions from premiums form part of the strategy to restore fund levels. The presentation outlines how these changes align with regulatory standards. Sustainable financial practices remain central to the proposal.

Historical premium changes provide context for the current recommendation. Rates held steady at zero percent in calendar years 2020 and 2021. Increases then progressed to 2 percent 4 percent 8 percent and 12 percent in successive years.

The 20 percent proposal for calendar year 2027 builds on this sequence. Charts indicate that further increases remain probable. This pattern reflects broader trends in health care expenses.

LCPS offers multiple health plans including HDHP OAP and OAP High variants. Each plan details specific annual deductibles copays and coverage limits. The premium adjustment supports these employee benefit structures.

The proposal comes amid efforts to manage self insurance fund requirements effectively. Data from the presentation illustrates the balance between costs and contributions. Officials continue to evaluate options for long term stability.

Email the School Board At:
April Chandler (Chair, Algonkian District) april.chandler@lcps.org,
Anne Donohue (Vice Chair, At-Large) anne.donohue@lcps.org,
Deana Griffiths (Ashburn District)  deana.griffiths@lcps.org,
Ross Svenson (Broad Run District) ross.stevenson@lcps.org,
Kari LaBell (Catoctin District) kari.labell@lcps.org,
Jon Pepper (Dulles District)  jonathon.pepper@lcps.org,
Lauren Shernoff (Leesburg District) lauren.shernoff@lcps.org,
Sumera Rashid (Little River District) sumera.rashid@lcps.org,
Amy Riccardi (Sterling District) amy.riccardi@lcps.org,

LCPS proposes a 20% increase in health insurance premiums to tackle rising costs and stabilize benefits. See the breakdown of the changes ahead.#LCPS #LoudounCounty #EducationNews #HealthInsurance pic.twitter.com/Shz3tOaqhz

— All Virginia News (@AllVirginiaNews) July 31, 2026

Email the Loudoun County School Board:
April Chandler, april.chandler@lcps.org,
Anne Donohue, anne.donohue@lcps.org,
Deana Griffiths, deana.griffiths@lcps.org,
Ross Svenson, ross.stevenson@lcps.org,
Kari LaBell, kari.labell@lcps.org,
Jon Pepper, jonathon.pepper@lcps.org,
Lauren Shernoff, lauren.shernoff@lcps.org,
Sumera Rashid, sumera.rashid@lcps.org,
Amy Riccardi, amy.riccardi@lcps.org,

Email the Board of Supervisors at:
Phyllis J. Randall (Chair, At-Large) – Phyllis.Randall@loudoun.gov,
Michael R. Turner (Vice Chair, Ashburn District) – Mike.Turner@loudoun.gov,
Juli E. Briskman (Algonkian District) – Juli.Briskman@loudoun.gov,
Sylvia R. Glass (Broad Run District) – Sylvia.Glass@loudoun.gov,
Caleb Kershner (Catoctin District) – caleb.kershner@loudoun.gov,
Matthew F. Letourneau (Dulles District) – Matt.Letourneau@loudoun.gov,
Kristen C. Umstattd (Leesburg District) – Kristen.Umstattd@loudoun.gov,
Laura A. TeKrony (Little River District) – Laura.TeKrony@loudoun.gov,
Koran Saines (Sterling District) – Koran.Saines@loudoun.gov