Health insurance

Insurance department

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-department.json

The town’s insurance department grew 4.3% a year, FY2011 to FY2026, against a 2.5% levy cap.

Insurance department budget by year
Annual report or MUNIS ledgerFinance Committee workbook, revisednot from the booksFY2011 grown at the levy capour estimate
Annual report or MUNIS ledgerFinance Committee workbook, revisedFY2011 grown at the levy cap
FY2011$1,970,826not published$1,970,826
FY2012not published$2,119,334$2,020,097
FY2013not published$2,053,509$2,070,599
FY2014not published$1,908,745$2,122,364
FY2015$1,804,659not published$2,175,424
FY2016$1,919,999not published$2,229,809
FY2017$2,105,919not published$2,285,554
FY2018$2,319,623not published$2,342,693
FY2019$2,604,860not published$2,401,261
FY2020$2,656,878not published$2,461,292
FY2021$2,633,155not published$2,522,824
FY2022$2,533,782not published$2,585,895
FY2023$2,852,642not published$2,650,542
FY2024not published$3,265,521$2,716,806
FY2025not published$3,450,089$2,784,726
FY2026$3,713,520not published$2,854,344

The dashed line is arithmetic, not a forecast: FY2011’s figure grown 2.5% a year.

1 · The facts

  • $1,970,826

    appropriated, FY2011, as the annual report prints

  • $3,713,520

    budgeted, FY2026, the town ledger

  • 4.3%

    a year, FY2011 to FY2026

  • 2.5%

    a year the levy may rise, before new growth

    law

  • 10 of 15

    reports whose insurance rows sum to their printed total

  • 41.0%

    of FY2026 in one account named for school retirees

  • $1,738,770

    FY2026 in accounts named for neither side

  • —

    why the department grew

    not published

2 · What it shows

  1. 1

    The department grew 4.3% a year for fifteen years, faster than the 2.5% the levy may rise.

  2. 2

    In FY2026, 41.0% of the department sat in the one account named for school retirees.

  3. 3

    Apart from the two retiree accounts, $1,738,770 carries no name saying town or school.

The insurance department, by year
YearLedger historynot from the booksAnnual report prints
FY2026$3,713,520—
FY2025$3,450,089—
FY2024$3,265,521—
FY2023$2,852,642$2,852,642
FY2022$2,533,782$2,533,782
FY2021$2,633,155$2,633,155
FY2020$2,656,878$2,656,878
FY2019$2,604,860$2,604,860
FY2018$2,319,623$2,319,623
FY2017$2,105,919$2,105,919
FY2016$1,919,999$1,919,999
FY2015$1,804,659$1,804,659
FY2014$1,908,745—
FY2013$2,053,509—
FY2012$2,119,334—
FY2011$1,970,826$1,970,826
FY2010$1,751,684—

The ledger history is the Finance Committee’s workbook, assembled from MUNIS exports; it equals the annual report in every year the report’s insurance rows tie. FY2026 is the MUNIS ledger at period 12.

Sources

What changed

Version 15 — updated September 20, 2026