The Local Choice (TLC) · Benefits
The Local Choice: employer monthly share
The model assumes Isle of Wight County participates in The Local Choice (TLC), the VRS-administered / Anthem health program many Virginia localities elect. KeyAdvantage Expanded, KeyAdvantage Standard, and a High-Deductible Health Plan with HSA by tier, plus TLC Dental (Delta Dental of Virginia), TLC Vision (Blue View), VRS Basic Group Life, and the Virginia Local Disability Program. The County's employer share is the second-largest non-base line in total compensation. Some Virginia localities procure coverage locally rather than through TLC, so the County's actual vehicle is confirmed at kickoff.
KeyAdvantage Expanded vs. HDHP
KeyAdvantage Expanded is the richest TLC medical tier; KeyAdvantage Standard sits below it, and the High-Deductible Health Plan pairs with an HSA. The County's election mix across these plans, and across the Employee-Only / Employee+Spouse / Employee+Child(ren) / Family coverage tiers, materially affects total benefit cost. We pull the actual mix at engagement award and weight the comp study accordingly.
Why benefits aren't ‘the same’ everywhere
Not every Virginia locality runs benefits through TLC, and even among those that do, the election mix and employer-paid optional coverage (group life beyond the VRS basic, vision tiers, disability) are set locally. This is where Isle of Wight's benefits stack will diverge from peer jurisdictions, and where the County's policy decisions matter most. We confirm the County's actual vehicle at kickoff and surface those divergences as scenario inputs in the comp recommendations.
Employer monthly share illustrative pending production data at engagement award. Production rates pulled from The Local Choice 2026 KeyAdvantage rate sheet and Isle of Wight County's actual plan election and benefit-election distribution at engagement award.