# OCPS employee health plan dispute: research log

Research by Known Quantity LLC for /for-good/ocps-health-plan/. Started 2026-11-13 10:42 ET.
Rule: every number on the page traces to a row here (row ids F1, F2, ...). Quotes are kept under 15 words.

How sources were read: WebFetch (page text extracted by a reader model) and WebSearch. The shell could not reach any of these sites. Several URLs were declined by the permission system and are listed at the end as "could not open".

Abbreviations: OCPS = Orange County Public Schools (the district, the School Board of Orange County). CTA / OCCTA = Orange County Classroom Teachers Association (teachers union). OESPA = Orange Education Support Professionals Association (support staff union). SM report = the special magistrate's recommendations, Case Nos. SM-2026-017 & SM-2026-022, James W. Mastriani, Oct 16, 2026 (S1 below).

## Sources

| id | Title | Date | Publisher | URL | Kind |
|---|---|---|---|---|---|
| S1 | Special Magistrate recommendations, impasse between the School Board of Orange County and OCCTA (consolidated with OESPA), Case Nos. SM-2026-017 & SM-2026-022, 54 pages | 2026-10-16 | Special Magistrate James W. Mastriani (PDF hosted by Spectrum News 13) | https://mynews13.com/content/dam/News/static/pdfs/fl/Special_Magistrate_Recommendations_teachers_contract.pdf | Primary |
| S2 | Health Plan FAQs (Human Resources, Labor Relations) | undated, read 2026-11-13 | OCPS | https://www.ocps.net/69998_4 | Primary (district) |
| S3 | CTA Public Records Request (records the district released to the union) | read 2026-11-13 | OCPS | https://ocps.net/231422_3 | Primary (district) |
| S4 | Records and Forms Management (public records requests) | read 2026-11-13 | OCPS | https://ocps.net/records-and-forms-management | Primary (district) |
| S5 | s. 119.07, Florida Statutes (2026): inspection and copying of records; fees; exemptions | 2026 edition | Florida Senate | https://m.flsenate.gov/statutes/119.07 | Primary (law) |
| S6 | s. 119.0715, Florida Statutes: trade secrets held by an agency | 2025 edition | Florida Senate | https://www.flsenate.gov/Laws/Statutes/2025/119.0715 | Primary (law) |
| S7 | Chapter 2026-52, Laws of Florida (SB 7026), deletes the scheduled repeal of s. 119.0715 | approved 2026-04-23 | Florida Department of State | https://laws.flrules.org/2026/52 | Primary (law) |
| N1 | "OCPS steers employees toward expensive AdventHealth despite consultant report" (Ethan Stein, Brody Wooddell) | 2026-11-10 | WFTV Channel 9 | https://www.wftv.com/news/local/ocps-steers-employees-toward-expensive-adventhealth-despite-consultant-report/QS7QKXZW3ZEVJPT74IEYDYPQXM/ | News |
| N2 | "Orange County teachers could see health insurance deductibles jump as much as 650%, union says" (Q McCray) | 2026-09-21 | WFTV Channel 9 | https://www.wftv.com/news/local/orange-county-teachers-could-see-health-insurance-deductibles-jump-much-650-union-says/JPECK7G4YVFVFND6ASUBBLYCXQ/ | News |
| N3 | "OCPS delays health insurance decision amid legal threats from unions" (Kayla Kissel) | 2026-10-22 | Central Florida Public Media | https://www.cfpublic.org/education/2026-10-22/ocps-delays-health-insurance-decision-amid-legal-threats-from-unions | News |
| N4 | "New OCPS board faces budget, insurance and leadership challenges" (Kayla Kissel) | 2026-11-09 | Central Florida Public Media | https://www.cfpublic.org/education/2026-11-09/new-ocps-board-faces-budget-insurance-and-leadership-challenges | News |
| N5 | "Orange County school board to vote on teacher health care contract dispute" | 2026-11-13 07:52 | WKMG News 6 (ClickOrlando) | https://www.clickorlando.com/news/local/2026/11/13/orange-county-school-board-to-vote-on-teacher-health-care-contract-dispute/ | News |
| N6 | "LIVE BLOG: Orange County Public Schools impasse hearing" | 2026-11-13 | WKMG News 6 (ClickOrlando) | https://www.clickorlando.com/news/2026/11/13/live-blog-orange-county-public-schools-impasse-hearing/ | News |
| N7 | "Healthcare costs fuel stalemate between Orange County Public Schools and teachers union" (Tylisa Hampton) | 2026-06-16 | WKMG News 6 (ClickOrlando) | https://www.clickorlando.com/news/local/2026/06/17/healthcare-costs-fuel-stalemate-between-orange-county-public-schools-and-teachers-union/ | News |
| N8 | "Orange County School District faces big budget gap on health care funding" (Keith Landry) | 2026-04-20 | Spectrum News 13 | https://mynews13.com/fl/orlando/news/2026/04/20/orange-county-school-district-deficit-health-care-funding | News |
| N9 | "Orange school board delays health insurance vote fearing legal action" (Steven Walker, Orlando Sentinel, republished) | 2026-10-20 byline (hearing 10-21) | Pineapple Report / Orlando Sentinel | https://pineapplereport.com/orange-school-board-delays-health-insurance-vote-fearing-legal-action/ | News |
| N10 | "OCPS pay, insurance impasse hearing postponed to Nov. 13" | 2026-10-22 | The Apopka Chief | https://theapopkachief.com/ocps-pay-insurance-impasse-hearing-postponed-to-nov-13/ | News (summarizes district release) |
| N11 | "Orange County Public Schools rejects salary and health insurance recommendations" (Jake Jordan) | 2026-10-20 | WFTV / WDBO | https://www.wdbo.com/news/local/orange-county-public-schools-rejects-salary-health-insurance-recommendations/WAMXONN4B5G2DD6OSR2BTFLURQ/ | News |
| N12 | "Orange school district, teachers union set to argue health insurance again today" (Steven Walker, Orlando Sentinel) | 2026-11-13 | Orlando Sentinel via Yahoo News | https://www.yahoo.com/news/politics/articles/orange-school-district-teachers-union-120400246.html | News |
| N13 | "Orange County Public Schools is reviewing special magistrate's plan to break teachers contract impasse" (Keith Landry) | 2026-10-19 | Spectrum News 13 | https://mynews13.com/fl/orlando/news/2026/10/19/orange-county-public-schools-is-reviewing-special-magistrates-plan-to-break-teachers-contract-impasse | News |
| N14 | "Contract bargaining continues between OCPS, teachers union" (Leticia Silva) | 2026-08-05 | Orange Observer | https://www.orangeobserver.com/news/2026/aug/05/contract-bargaining-continues-between-ocps-teachers-union/ | News |
| N15 | "Orange schools, teachers union at impasse over health insurance" (Steven Walker, Orlando Sentinel, republished) | 2026-04-25 | InsuranceNewsNet / Orlando Sentinel | https://insurancenewsnet.com/oarticle/orange-schools-teachers-union-at-impasse-over-health-insurance | News |
| N16 | "Orange County Public Schools suspends special impasse hearing" (Olivia Russell) | 2026-10-21 | WESH 2 | https://www.wesh.com/article/orange-county-public-schools-suspends-special-impasse-hearing/74209731 | News |

Documents listed on S3 (district page) that we could not open (the file host was declined in this session), titles as OCPS lists them:
- Response to RFI, OCCTA Request for Analysis and Disclosure, 5-13-2026: https://files.smartsites.parentsquare.com/6888/response_to_rfi_--_occta_request_for_analysis_and_disclosure_--_final_--_20260513.pdf
- Exhibit A, Analysis Comparing AdventHealth and Orlando Health: https://files.smartsites.parentsquare.com/6888/exhibit_a_--_analysis_comparing_adventhealth_and_orlando_health.pdf
- Exhibit B, P1H OCPS ROI 2024-25: https://files.smartsites.parentsquare.com/6888/exhibit_b_--_p1h_ocps_roi_20242025.pdf
- Exhibit C (Parts 1 and 2), Cigna NPI and Eligible Charges: https://files.smartsites.parentsquare.com/6888/exhibit_c_--_cigna_npi_and_eligible_charges_--_part_1.pdf and https://files.smartsites.parentsquare.com/6888/exhibit_c_part2.pdf
- Exhibit MG, Medical Claims Data: https://files.smartsites.parentsquare.com/6888/exhibit_mg_--_medical_claims_data.pdf
- Exhibit MH, Pharmacy Claims Data: https://files.smartsites.parentsquare.com/6888/exhibit_mh_--_pharmacy_claims_data.pdf

## A. Established: documents, votes, dates

| id | Claim | Number | Date | Who says it | Source | Quote / note |
|---|---|---|---|---|---|---|
| F1 | District declared impasse after bargaining failed | April 2026 | 2026-04 | District, as reported | N3, N7, N15 | |
| F2 | Special magistrate issued recommendations | 54 pages | 2026-10-16 | SM report | S1, N13 | Magistrate: James W. Mastriani |
| F3 | Both unions (CTA, OESPA) accepted the recommendations | | 2026-10-19 | Reported | N3, N13 | |
| F4 | District rejected the recommendations | | 2026-10-19 (memo; reported as Oct 19 or 20) | District | N3, N11 | |
| F5 | Board voted unanimously to postpone the impasse hearing to Nov 13 after union attorneys raised timing objections | | 2026-10-21 | Reported | N3, N10, N16 | |
| F6 | Impasse hearing held Nov 13; the board decides after the magistrate step | | 2026-11-13 | Reported | N5, N6, N12 | |
| F7 | Board outcome Nov 13 | No vote reported at time checked | checked 2026-11-13 11:08 ET | N6 live blog, latest entry 10:54 AM | N6 | Re-check before publishing |
| F8 | CTA represents over 12,500 classroom teachers, counselors and others | 12,500+ | 2026-10-16 | SM report p. 5 | S1 | "over 12,500 classroom teachers, guidance counselors" |
| F9 | OESPA represents about 7,300 employees | ~7,300 | 2026-10-22 | N3 | N3 | |
| F10 | District runs a self-insured plan funded through the Employee Benefits Trust | | | District | S2 | |
| F11 | The district does not buy stop-loss coverage | | read 2026-11-13 | District | S2 | "The District does not currently purchase Stop Loss coverage." |
| F12 | Stop-loss quotes in the Nov 2024 RFP | $5M to $15M, with a $1M per-claimant deductible | RFP Nov 2024 | District | S2 | "quotes we received as part of the RFP were between $5M - $15M" |
| F13 | Average high-cost claim | $190K | | District | S2 | "The average high-cost claim was $190K." |
| F14 | Benefits consultant contract expiry | Sept 30, 2026 | | District | S2 | "expires on September 30, 2026" |
| F15 | Cigna is the plan's third-party administrator | | 2026-11-10 | WFTV reporting | N1 | |
| F16 | Current plans 2025-26: Plan A (Local Plus), Plan B (HDHP with HSA), Plan C (OAPIN), Plan D (SureFit, narrow AdventHealth network) | 4 plans | 2026-10-16 | SM report | S1 | |
| F17 | District proposes two plans for 2026-27: SureFit and a new "OA Plus" hybrid replacing A, B and C | 2 plans | 2026-10-16; restated 2026-11-13 | District proposal in SM report; district presentation | S1, N6 | |
| F18 | Florida law: any person may inspect and copy public records | | 2026 statutes | Law | S5 | s. 119.07(1)(a): "inspected and copied by any person desiring to do so" |
| F19 | Custodian claiming an exemption must state the basis and statutory citation; in writing on request | | 2026 statutes | Law | S5 | s. 119.07(1)(e)-(f) |
| F20 | Copy fee where none set by law | up to 15 cents per one-sided page | 2026 statutes | Law | S5 | s. 119.07(4)(a) |
| F21 | Special service charge for extensive requests | "reasonable" | 2026 statutes | Law | S5 | s. 119.07(4)(d) |
| F22 | Trade secrets held by an agency are confidential and exempt | | | Law | S6 | "A trade secret held by an agency is confidential and exempt" |
| F23 | The scheduled Oct 2, 2026 repeal of s. 119.0715 was deleted | ch. 2026-52 | approved 2026-04-23 | Law | S7 | |
| F24 | OCPS public records contact | records@ocps.net; 407-317-3965; online form | read 2026-11-13 | District | S4 | Mail: Records and Forms Management, Attn: Public Records Request, 6501 Magic Way, Bldg. 500, Orlando, FL 32809 |
| F25 | OCPS posts records released to CTA requests "to all stakeholders", including an AdventHealth vs Orlando Health analysis and Cigna eligible-charges exhibits | | response dated 2026-05-13 | District | S3 | "the district is releasing this information to all stakeholders." |
| F26 | The union asked for an unredacted copy of the district's contract with Cigna | | 2026-06-16 | Reported | N7 | Supports the trade-secret redaction note |

## B. Plan numbers (published)

Premiums: annual employee contribution, from the SM report premium table (p. 30, district exhibit). Per-paycheck figures in that table equal annual / 20 (e.g. $13,812 / $691). Label conflict: the two blocks of the table list "Employee + Spouse" and "Employee + Child(ren)" in opposite order, and every pair differs by the same $586 to $587 between hire groups, so one block's labels are swapped. We follow the "hired on/after 7/1/2024" block (children before spouse), which matches N12/N15 (Orlando Sentinel): a spouse on one district plan "from about $300 this year to $675 next year", and $675 = $13,500 / 20. This is our reading, stated on the page.

| id | Item | Current 2025-26 | District proposal 2026-27 | Union proposal | Magistrate | Source |
|---|---|---|---|---|---|---|
| F30 | Hybrid plan premium, hired before 7/1/2024, employee only (Plan C now; OA Plus proposed) | $1,172 | $1,172 | unchanged (employee-only) | unchanged | S1 p. 30, pp. 40, 53; N10 |
| F31 | same, employee + child(ren) | $6,780 | $6,895 | +10% (no dollar figure, base not stated) | "20% of 2025-2026 levels" (base not stated) | S1 p. 30 |
| F32 | same, employee + spouse | $10,418 | $13,500 | as F31 | as F31 | S1 p. 30 |
| F33 | same, employee + family | $13,812 | $16,988 | as F31 | as F31 | S1 p. 30 |
| F34 | Hybrid premium, hired on/after 7/1/2024, employee only | $1,759 | $1,759 | unchanged | unchanged | S1 p. 30 |
| F35 | same, employee + children | $7,336 | $7,540 | as F31 | as F31 | S1 p. 30 |
| F36 | same, employee + spouse | $11,005 | $14,145 | as F31 | as F31 | S1 p. 30 |
| F37 | same, employee + full family | $14,399 | $17,633 | as F31 | as F31 | S1 p. 30 |
| F38 | Board (district) annual contribution per enrollee, hybrid | $10,555 | $11,611 | | | S1 p. 30 |
| F39 | Hybrid deductible, individual / family | $400 / $800 | $3,000 / $6,000 | $800 / $1,600 | $900 / $1,800 | Current and district: N14 (Orange Observer), N2; union family: N2, N3; union individual: S1 p. 40 ("increase by 100%") applied to $400; magistrate: S1 p. 53, N5 |
| F40 | Family deductible increase under district hybrid proposal | 650% ($800 to $6,000) | | union characterization | | N2; S1 p. 32 ("650% for employees currently enrolled in Plan C") |
| F41 | Hybrid coinsurance and out-of-pocket maximum (current Plan C and district OA Plus) | not published in sources read | not published (district exhibit D. Ex. 21, not reproduced) | not stated | "as proposed by the District" | S1 p. 7, 53 |
| F42 | Pharmacy out-of-pocket max, Plans A, B, C (in-network) | $4,000 / $8,000 | | | | S1 p. 23 |
| F43 | "Deductible first" (deductible before copays and coinsurance) | no | yes | opposes | rejected for both plans | S1 pp. 31, 53-54; N13 |
| F44 | SureFit employee-only premium | $0 | $0 | $0 (unchanged) | $0 ("no cost for employee only shall be retained") | S1 pp. 9, 11, 53; N6; N10 |
| F45 | SureFit family premium per paycheck | $266 | $588 (Sept 2026 figures) | $293 | not a dollar figure: increase capped at 20% of 2025-26 levels | N2 (figures "obtained by Channel 9"); S1 p. 53 |
| F46 | SureFit premiums with dependents, district presentation at Nov 13 hearing | | +$1,056 a year | | | N6 (WKMG live blog, 10:54 AM) |
| F47 | SureFit employee + spouse and employee + children premiums | not published in sources read | not published | not published | | S1 has no SureFit premium table (p. 30 note) |
| F48 | SureFit deductible, individual / family | $300 / $600 | $2,000 / $4,000 | $600 / $1,200 | $750 / $1,500 | S1 pp. 31-32, 52-54; N2; N3; N13 |
| F49 | SureFit coinsurance | 10% | 20% | not stated | per district (20%) | S1 p. 31, p. 54 ("All other elements of SureFit shall be as proposed by the District") |
| F50 | SureFit medical out-of-pocket max, individual / family | $4,500 / $9,000 | $6,000 / $12,000 | not stated | per district ($6,000 / $12,000) | S1 p. 31, p. 54 |
| F51 | SureFit pharmacy out-of-pocket max, individual / family | $2,500 / $5,000 | $4,000 / $8,000 | not stated | per district | S1 p. 31 |
| F52 | Primary care / specialist copay, SureFit | $15 / $55 | $15 / $55 after deductible | | copays before deductible (no deductible first) | S1 pp. 14-15, 31 |
| F53 | District added a deductible reimbursement of up to $1,000 per eligible employee at union request, cost $4.1M | $1,000; $4.1M | 2026-10 | District release, as summarized | N10 | Eligibility rules not published in sources read; not modeled |
| F54 | District says 81% of employees would see no paycheck impact or a premium decrease if they switch plans | 81% | 2026-11-13 | District presentation | N6 | |
| F55 | Unions: 87% of members enrolled in Plans A and C, which the district would eliminate | 87% | 2026-10-16 | Unions, per SM report p. 33 | S1 | |
| F56 | Per paycheck = annual / 20 in the district premium table | 20 | | Derived from S1 p. 30 | S1 | e.g. $13,812 / $691 = 19.99 |

## C. Money: what each side says

| id | Claim | Number | Date | Who says it | Source | Quote / note |
|---|---|---|---|---|---|---|
| F60 | Cost of keeping current benefits during the delay | about $20 million a month | 2026-10-22, 2026-11-09 | District | N3, N4, N10, N16 | CFPM wording: costs about $20 million a month to maintain current benefits |
| F61 | Orlando Sentinel wording of the same figure | "losing $20 million a month, according to OCPS" | byline 2026-10-20 | Orlando Sentinel reporting district | N9 | Also N12 (Nov 13): dispute "costing it $20 million a month" per OCPS. N5: "the board says" fund losing about $20M per month |
| F62 | Trust projection, no changes, FY27: claims and expenses vs revenue | $340,193,391 vs $253,531,655; loss $86,661,736 | 2026-10-16 | District exhibit D. Ex. 15, in SM report p. 29 | S1 | |
| F63 | FY28 | $369,268,401 vs $253,531,655; loss $115,736,746 | | same | S1 | |
| F64 | FY29 | $397,055,516 vs $253,531,655; loss $143,523,861 | | same | S1 | |
| F65 | FY30 | $426,815,026 vs $253,531,655; loss $173,283,371 | | same | S1 | |
| F66 | FY27 shortfall including the 60-day reserve requirement | $145,503,864 | | same | S1 | The printed FY28 and FY30 shortfall cells do not equal loss + reserve (differ by $163,700 and $546,000); we do not use those two cells |
| F67 | Additional funding needed next year without changes | at least $145 million | | District | S2, N7, N8 | "Projections show a minimum of $145 million in additional funding" |
| F68 | General Fund transfer into the trust "this year" | $86 million | read 2026-11-13 (page undated) | District | S2, N15 | "This year alone, $86 million is being transferred from the General Fund" |
| F69 | Per-employee yearly plan payments | $10,741 (2023) to $14,791 (2026) | | District, per SM report p. 29 | S1 | |
| F70 | Cost split, counting transfers | ~90% district / ~10% enrolled employees | | District, per SM report p. 29 | S1 | |
| F71 | District estimate of magistrate recommendations | $68.5M beyond district proposal ($57M health, $11.5M pay); $105.1M including $36.6M concessions already made | 2026-10-19/20 | District | N3, N10, N11, N16 | |
| F72 | Union estimate: employee premium contributions rise from $26.6M to $47.4M under district proposal | +$20.8M; about a 2.2% pay cut | | Unions' expert, per SM report pp. 37-38 | S1 | |
| F73 | Union estimate: deductible exposure rises from $10.8M by $45.8M | +424% | | Unions, per SM report p. 38 | S1 | |
| F74 | Union: insurance plus wage proposals equal an average 7% pay cut | 7% | 2026-09-21 | CTA President Clinton McCracken | N2 | |
| F75 | Union statement: district wants teachers to pay through "higher premiums, higher out-of-pocket costs, and reduced claims" | | 2026-10 | Union | N9 | |
| F76 | Magistrate: district proposal would "create undue financial hardship" | | 2026-10-16 | Magistrate | S1, N9, N12 | |
| F77 | Board chair Teresa Jacobs: "This is not money that we are sitting on." | | 2026-10-21 | District (board chair) | N3 | |
| F78 | District contributions | $240 million | 2026-06-16 | Superintendent Maria Vazquez | N7 | |
| F79 | Possible refund liability if a state ruling went against the district | more than $120 million | 2026-10-21 | District general counsel John Palmerini | N9 | N3 gives "up to $140 million"; figures differ, we do not use either on the page |

## D. The hospital network report (reported by WFTV)

| id | Claim | Number | Date | Who says it | Source | Note |
|---|---|---|---|---|---|---|
| F80 | Consultant: C F Larimer Consulting, LLC (actuary Charles Larimer); draft hospital network study dated May 23, 2025, inpatient claims 2023-2024 | | 2026-11-10 | WFTV | N1 | WFTV says it later found the report on the district's website |
| F81 | AdventHealth share of SureFit inpatient admissions | 85.1% (2023), 88.6% (2024) | | WFTV, from the report | N1 | |
| F82 | Inpatient cost as % of Medicare benchmark, 2023 | AdventHealth 347.9%; Orlando Regional 265%; HCA 296.9%; others 300.3% | | WFTV, from the report | N1 | |
| F83 | Case-mix adjusted, AdventHealth eligible charges vs Orlando Regional | about 31% higher (2023), 28% higher (2024) | | WFTV, from the report | N1 | Inpatient only, not total plan cost |
| F84 | District response | says it negotiated a better narrow-network arrangement with AdventHealth after the report | 2026-11-10 | District, as reported | N1 | WFTV: no evidence of savings provided yet |
| F85 | Cigna marketed SureFit savings | 11% to 12% estimated, "not guaranteed" | | WFTV | N1 | |

## E. Board outcome log

- 2026-11-13 11:08 ET: no vote reported (N6 latest entry 10:54 AM; N5 "developing"). Page states this with the check time.

## Could not open (declined in this session; not worked around)

- Google Drive copy of the SM report linked by N3 (we used the Spectrum News copy, S1, instead)
- https://ocps.net/insurance-benefits-handbook (OCPS benefits handbook: current plan summaries)
- files.smartsites.parentsquare.com (all OCPS-hosted PDFs listed above)
- flsenate.gov 2026 edition of s. 119.0715 and leg.state.fl.us statute pages (used S5, S6, S7 instead)

## Not found

- Cigna administrative services contract, AdventHealth network agreement, benefits consultant contract: not found posted publicly.
- Current plan summaries (SBCs) with Plan A/C coinsurance and out-of-pocket maximums: not read (handbook declined).
- District OA Plus coinsurance and out-of-pocket maximum: in district exhibit D. Ex. 21, not reproduced in S1.
- SureFit premiums for employee + spouse and employee + children.
- Plan enrollment counts by plan.
- An OCPS board agenda page (BoardDocs) for the Nov 13 hearing: not found by search.