Q The county provides group health care coverage for its full-time employees with a deductible of $5,000. We also have a “bridge plan” that covers employee claims between $500 and $5,000, thus effectively reducing the deductible to $500. This “bridge plan” provides for a return of a percentage of unused premiums annually, if any. Some employees pay the premiums to cover family members. Should a refund go to the county, or employees, or may it be applied to future premiums?

A The health insurance premiums refunded pursuant to contract may be returned to the persons who paid the premiums which generated the refund, which includes both the county and the county employees who have paid premiums for dependent coverage, or such funds may be used to offset or reduce future premiums. (Attorney General’s Opinion to Shepard, November 27, 2012)