Health Insurance


Hey everyone... I have a question that may prompt some discussion. I've been involved in a couple of conversations about health insurance for non-minister staff, in particular part-time staff. These days, you hate to see anyone go without health insurance, and I've been wondering how prevalent it is for churches to offer health insurance through or outside of the denomination's resources for part-time staff (e.g., music/worship director, youth ministries director, church secretaries, etc.). I'll welcome all comments. (and now that I've posted a question, maybe I'll even go back and offer a few comments to the questions of others!) Thanks.

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Brookside (in the US) offered health insurance to those regularly scheduled to work 30 hours per week or more. It was set up that we would cover 100% of the individual health insurance coverage. If a person wanted family coverage, we covered 65% of the cost of family coverage over individual coverage. In the US, churches that are covered through the denominational plan now have an option for an HSA plan. If a church changes to this lower cost insurance with a higher deductible, then the cost structure to the employee may also change. Did your church change to an HSA plan lately? How did you restructure? What are you doing with coverage?

Health insurance is an especially big spending item once one adds a wife and kids and the expense is getting worse. A survey by the Kaiser Family Foundation discovered lately that family health insurance rates are continuing to trend way up. Source for this article: Financial Advice