Montgomery County is not the only county out there with a self funded insurance program. Lucas County (Toledo) has one as well. The difference is night and day. Lucas County strives for 100% transparency in its insurance fund and offers affordable healthcare with ZERO deductibles. Lucas County offers three separate insurance plans. Here is how they stack up against the Montgomery County Buy-up Plan and the Montgomery County Value Plan. The first Lucas County Plan that will be compared to the Montgomery County Plans is the Front Path Plan. Keep in mind, when comparing these costs, remember to take into account your deductible based on your respective plan when comparing the healthcare coverage.
The second Lucas County Health Plan to be compared with the Montgomery County Plans is the Health Span Plan.
The third and final Lucas County Plan to be compared with the Montgomery County Plans is the Paramount plan.
As you can see, comparable (if not better coverage) than what you are receiving is available under a self funded insurance plan. It all just hinges on how a County chooses to run its plan.