Health insurance
Health insurance costs
lunenburgbudgetproject.org — written by the Lunenburg Budget Project, an independent tool for residents. Not affiliated with the Town of Lunenburg, the School Committee or the school district. The data this page is computed from: /data/topics/health-insurance.json
The town budgeted $3,713,520 for its insurance department in FY2026, and the schools $3,701,195 on their own health line. The department grew 4.3% a year from FY2011, against a 2.5% levy cap.
| Annual report or MUNIS ledger | Finance Committee workbook, revised | FY2011 grown at the levy cap | |
|---|---|---|---|
| FY2011 | $1,970,826 | not published | $1,970,826 |
| FY2012 | not published | $2,119,334 | $2,020,097 |
| FY2013 | not published | $2,053,509 | $2,070,599 |
| FY2014 | not published | $1,908,745 | $2,122,364 |
| FY2015 | $1,804,659 | not published | $2,175,424 |
| FY2016 | $1,919,999 | not published | $2,229,809 |
| FY2017 | $2,105,919 | not published | $2,285,554 |
| FY2018 | $2,319,623 | not published | $2,342,693 |
| FY2019 | $2,604,860 | not published | $2,401,261 |
| FY2020 | $2,656,878 | not published | $2,461,292 |
| FY2021 | $2,633,155 | not published | $2,522,824 |
| FY2022 | $2,533,782 | not published | $2,585,895 |
| FY2023 | $2,852,642 | not published | $2,650,542 |
| FY2024 | not published | $3,265,521 | $2,716,806 |
| FY2025 | not published | $3,450,089 | $2,784,726 |
| FY2026 | $3,713,520 | not published | $2,854,344 |
The dashed line is arithmetic, not a forecast: FY2011’s figure grown 2.5% a year.
1 · What is budgeted
$3,713,520
town insurance department, FY2026
$3,701,195
school department health line, FY2026
$1,521,536
school retirees, in the town department
5.38%
premium increase from 1 July 2026
2 · How fast it grows
4.3%
a year, the town department, FY2011-FY2026
2.5%
a year the levy may rise, before new growth
law
301 of 343
place by growth, FY2015-FY2025, slowest first
3 · What is not shown
7
routes open under Chapter 32B
law
—
school staff inside the town’s own lines
not published
—
what any route would save
not published
4 · What it adds up to
- 1
The town department grew 4.3% a year from FY2011, against a 2.5% levy cap.
- 2
School retiree health, $1,521,536, sits in the town’s budget, not the schools’.
- 3
Whether the town’s own health lines cover school staff is not split out.
- 4
By the state’s figures Lunenburg ranks 301 of 343; its FY2024 figure counted more accounts.
- 5
Chapter 32B leaves 7 routes open; none is priced in any document held.
What is budgeted
- Insurance department →The town’s insurance department grew 4.3% a year, FY2011 to FY2026, against a 2.5% levy cap.
- School health insurance →Two school accounts hold $5,222,731 for FY2026; $1,521,536 of it sits outside the school budget.
- Retiree health accounts →School retiree health went from $1,119,925 in FY2022 to $1,521,536 in FY2026, 8.0% a year.
- District health line →The district’s adopted health line rose from $2,633,912 in FY2018 to $3,701,195 in FY2026, 4.3% a year.
Premiums and other towns
- Plans and premiums →Premiums rose 5.38% from 1 July 2026; a Blue Care Elect family plan is $3,662.52 a month, the town paying 75%.
- State-reported spending →The state’s figure for Lunenburg counted Medicare and life insurance in FY2024, and in no year before.
- Towns compared →On the state’s figure, which added Medicare and life in FY2024, spending grew 6.84% a year from FY2015.
- Growth over time →Filed spending rose 15.4% in FY2023, the median town 5.6%; FY2024’s figure counts more accounts.
What the town can change
Related pages
- School retiree insurance →An account named for school retiree health paid $1,262,376 from the town’s insurance department.Also under FY2026 closeout, Department budgets
- Employee benefits →Employee benefits grew 12.7% a year, the most dollars past the cap of any group; group health is 71% of it.Also under Department budgets