[OMS_MANAGERS] Medical Insurance?

Tue May 30 16:26:47 PDT 2017

We provide health insurance to our employees through Northwest Benefits
Group which is a broker that offers, among other insurance providers,
Kaiser Permanente. Stipends used to be able to be paid pre-tax, but I do
not believe that is the case anymore. Small Group coverage is for
organizations with 2 full-time employees or more. Organizations that offer
health insurance need to offer it to all of their employees of a certain
class, IE average of 30 hours or more. One option is to join an employer's
association such as Cascade Employers Association
<http://www.cascadeemployers.com/>. The future of individual markets is in
a lot of flux. On the small group market, insurance is actually cheaper AND
it is pre-tax. For example, if an employee wishes to purchase insurance
that has a $350/month premium, it would cost them $4,200 per year after tax
which effectively means they need to have a gross pay of approximately
$7,000 per year to cover that benefit. If the nonprofit provides the
benefit, it can actually get a tax credit making a $350/month plan only
cost $280, effectively providing a $7,200 benefit to the employee while
only costing $3,360 per year. We've found that we are able to offer better
plans than are on the health exchange for less cost.

All this is to say, it might be worth forming a small group. The key factor
is the average age of the group. I have a phone call into Cascade and
Northwest Benefits to see what they could offer fellow Main Street orgs.

I'll let you know as I learn more.

On Tue, May 30, 2017 at 3:59 PM, Saira Siddiqui <
director at hillsborodowntown.com> wrote:

> We don't have a stipend here, but my roommate is a health care actuary,
> and he mentioned there are groups that will rally together to provide
> blanket insurance coverage for others to pay into (for small NPOs). Is this
> something National Main Street or OMS could look into?
>
> Saira Siddiqui
> Executive Director
> Hillsboro Downtown Partnership
> www.hillsborodowntown.com
> 503.640.6145 <(503)%20640-6145> (w)
>
> On Tue, May 30, 2017 at 3:23 PM, Sarah Lu Heath <sarah at astoriadowntown.com
> > wrote:
>
>> Stipend here as well, but I really wish the National Trust would provide
>> insurance that small orgs like our could pay into and use. Our stipend is
>> generous all things considered, but doesn’t cover much in the end.
>>
>>
>>
>> Sarah Lu Heath
>>
>> Executive Director
>>
>> Astoria Downtown Historic District Association
>>
>> No.1-12th Street, Suite 114
>>
>> PO Box 261
>>
>> Astoria, OR 97103
>>
>> 503.791.7940 <(503)%20791-7940>
>>
>> www.AstoriaDowntown.com <http://www.astoriadowntown.com/>
>>
>>
>>
>> *From:* OMS_MANAGERS [mailto:oms_managers-bounces at l
>> istsmart.osl.state.or.us] *On Behalf Of *Pendleton Downtown Association
>> *Sent:* Tuesday, May 30, 2017 2:49 PM
>> *To:* 'Oregon Main Street program managers' <
>> oms_managers at listsmart.osl.state.or.us>
>> *Subject:* Re: [OMS_MANAGERS] Medical Insurance?
>>
>>
>>
>> Pendleton Downtown Association offers a health insurance stipend to cover
>> the cost as well.
>>
>>
>>
>> *Molly Turner*
>>
>> Executive Director | Pendleton Downtown Association
>>
>> *www.pendletondowntownassociation.com
>> <http://www.pendletondowntownassociation.com>*
>>
>> *downtown.pendleton at yahoo.com <downtown.pendleton at yahoo.com>** | **541-304-3912
>> <(541)%20304-3912> *
>>
>> *380 S. Main Street*
>>
>> *Pendleton, OR 97801*
>>
>>
>>
>> [image: Image result for facebook icon]
>> <https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwi4tIfmjKLTAhVS8GMKHd7_ALcQFggkMAA&url=https%3A%2F%2Fwww.facebook.com%2FPendletonDowntownAssociation%2F&usg=AFQjCNEHpc1eMw1pPTMbWqTyvYcfvlBHHg>
>>
>>
>>
>> *From:* OMS_MANAGERS [mailto:oms_managers-bounces at l
>> istsmart.osl.state.or.us <oms_managers-bounces at listsmart.osl.state.or.us>]
>> *On Behalf Of *Main Street Coordinator
>> *Sent:* Tuesday, May 30, 2017 2:46 PM
>> *To:* Oregon Main Street program managers <oms_managers at listsmart.osl.st
>> ate.or.us>
>> *Subject:* Re: [OMS_MANAGERS] Medical Insurance?
>>
>>
>>
>> The Dalles Main Street offers a health insurance stipend to cover the
>> cost of a private plan.
>>
>>
>> *Jeremiah R. Paulsen *
>>
>> Executive Director
>>
>> The Dalles Main Street <https://www.thedallesmainstreet.org/>
>>
>>
>>
>> PO Box 544
>>
>> 710 E 2nd Street, Suite 3
>>
>> The Dalles, OR 97058
>>
>> (541) 370-2849
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>>
>> On Tue, May 30, 2017 at 2:30 PM, <ecknox at coosbaydowntown.org> wrote:
>>
>> Good Morning,
>>
>> Do any of your Main Street Organizations offer Medical Insurance for your
>> paid staff?
>>
>>
>>
>> Thanks,
>>
>> EC
>>
>>
>>
>> Elizabeth-Claire Knox
>>
>> Executive Director
>>
>> *Coos Bay Downtown Association *
>>
>> Cell: 256-603-6528 <(256)%20603-6528>
>>
>> Office: 541-266-9706 <(541)%20266-9706>
>>
>> Email: ecknox at coosbaydowntown.org
>>
>> Website: http://coosbaydowntown.org
>>
>>
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>> Technical questions? Call 503-378-8800.
>>
>>
>
> _____________________________________________________
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> content.
> Questions related to message content should be directed to list owner(s)
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> Technical questions? Call 503-378-8800.
>
>

-- 
Jonathan Stone
*Executive Director*

Downtown Oregon City Association
814 Main Street
Oregon City, OR 97045

jon at downtownoregoncity.org
Office (503) 802-1640
Direct (503) 802-1639

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