[OMS_MANAGERS] Medical Insurance?

Tue May 30 17:00:29 PDT 2017

Stipend in Albany, too! As Johnathan said, pre-tax would be so much better.

Thank you,

Lise Grato

Executive Director

Albany Downtown Association

126 SW Ferry Street

Albany, OR 97321

Email: director at albanydowntown.com

Phone: (541) 928-2469

Cell: (541) 905-2908

From: OMS_MANAGERS [mailto:oms_managers-bounces at listsmart.osl.state.or.us] On Behalf Of Jonathan Stone
Sent: Tuesday, May 30, 2017 4:27 PM
To: Oregon Main Street program managers <oms_managers at listsmart.osl.state.or.us>
Subject: Re: [OMS_MANAGERS] Medical Insurance?

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 <mailto: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 <http://www.hillsborodowntown.com> 

503.640.6145 <tel:(503)%20640-6145>  (w)

On Tue, May 30, 2017 at 3:23 PM, Sarah Lu Heath <sarah at astoriadowntown.com <mailto: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 <tel:(503)%20791-7940> 

 <http://www.astoriadowntown.com/> www.AstoriaDowntown.com

From: OMS_MANAGERS [mailto:oms_managers-bounces at listsmart.osl.state.or.us <mailto:oms_managers-bounces at listsmart.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 <mailto: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

 <http://www.pendletondowntownassociation.com> www.pendletondowntownassociation.com

 <mailto:downtown.pendleton at yahoo.com> downtown.pendleton at yahoo.com | 541-304-3912 <tel:(541)%20304-3912>  

380 S. Main Street

Pendleton, OR 97801

 <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 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.state.or.us <mailto:oms_managers at listsmart.osl.state.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 <tel:(541)%20370-2849> 

On Tue, May 30, 2017 at 2:30 PM, <ecknox at coosbaydowntown.org <mailto: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 <tel:(256)%20603-6528> 

Office: 541-266-9706 <tel:(541)%20266-9706> 

Email: ecknox at coosbaydowntown.org <mailto:ecknox at coosbaydowntown.org> 

Website: http://coosbaydowntown.org 

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Jonathan Stone

Executive Director

Downtown Oregon City Association

814 Main Street

Oregon City, OR 97045

 <mailto:jon at downtownoregoncity.org> jon at downtownoregoncity.org

Office (503) 802-1640

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