Friday, April 8, 2011

An idea for Health Care Reform that won't piss everyone off

Health care reform in the not for profit community (NFP) is a hot button and divisive issue. However, no matter the cost, many people prioritize health insurance. Many organizations, often to their financial peril, offer health insurance to their employees. Some simply cannot due to their small size.

However, over the last decade, health care costs have skyrocketed, which have put all NFPs in a difficult decision: fund the goals of their mission or fund their employees’ health benefits. It’s a sad predicament, one that drives people out of the NFP sector or if they have benefits, keeps them at a job too long because even though they are burnt out, they can’t move to another NFP that doesn’t offer health insurance.

NFP professionals, who at least in the mid and lower levels have always been women, at some point were probably expected, with a few exceptions here and there, to use their husbands’ health
insurance plans for medical care. However, as social paradigms have changed (women aren’t married, or are marrying later) and the economy has faltered (men don’t have benefits either), the stress of health
insurance could, sorry for the bad pun, make someone sick.

Until health care reform is resolved either way, why can’t we pool every (insert state) NFP’s resources into one health insurance plan.  The premiums would then be divided among every NFP throughout Illinois based on the number of employees insured.
If this conglomeration is too large, at least allow NFPs to band together until they reach 100 employees to be able to offer affordable health care. This could allow groups from across the NFP spectrum to reduce their health insurance costs and not have to decide between educating 10 more children or insuring their employees.

Since this concept is illegal, and it shouldn’t be, perhaps that is a public policy we could all agree on. (If not, let me know why, I’m curious).

What do you think and how can we make this happen? 

1 comment:

The Knitting Bea said...

Sounds logical, fair and financially beneficial for all involved. Why isn't it already being done, then?