CalNonprofits Articles

Thank you to the hundreds of California nonprofits who responded to the survey!
Nonprofits with fewer than 50 employees are more than twice as likely to provide employee health insurance as for-profit businesses of the same size, according to a CalNonprofits survey of over 200 nonprofits in California. The study found that 64% of nonprofits with fewer than 50 employees provide coverage, compared to 32% of for-profit businesses of equal size, as reported by the Small Business Majority. And when comparing nonprofits of all sizes to for-profits of all sizes, nonprofits are still 50% more likely to offer health insurance to their staff: 78% to the 50.5% reported by the Kaiser Family Foundation.


The CalNonprofits study was conducted as part of the three-component Health Reform Initiative launched this year. The components include a) educating nonprofits about their choices as employers, b) supporting the health reform efforts of nonprofit advocates in Sacramento, and c) directly enrolling nonprofit staff and dependents into Covered California and other health plans.

The survey also found:
  • The 78% of nonprofits that reported providing some kind of health insurance was noticeably lower than estimates by two regional studies, which reported 95% in northern California and 94% in southern California. These studies likely include proportionally larger nonprofits which would account for the higher percentages. The CalNonprofits result is close to the 76% found by Blue Avocado in a national study conducted in 2012.
  • Support for families: More than 2/3 (69%) of nonprofit employers contribute to the health insurance of the dependents of employees.
  • Over half (53%) of nonprofits provide health insurance for part-time employees as well as full-time employees.
  • In general, larger nonprofits offered more benefits: they were more likely to provide health coverage to a wider range of staff, to pay a higher percentage of the premium, and to offer coverage for dependents.
We also asked about barriers to providing health insurance and found that in addition to cost, respondents found "making choices among plans" the most challenging (50%) closely followed by "lack of staff time and expertise" (41%). "Finding a broker" was a challenge for a surprising 26% of respondents.

Nonprofits that are members of CalNonprofits were slightly less likely to find healthcare costs challenging. "We hope this is because of our educational efforts and access to CalNonprofits Insurance Services (CIS)," commented Christina Dragonetti, Membership Manager for CalNonprofits.

The study was conducted in the spring of 2013 via electronic distribution. Respondents numbered 210; data was analyzed by Kristen Wolsegel of the California Association of Nonprofits. For more information, contact her by email.

References

Comments   

0 # Tuyet 2014-02-18 08:44
Yes! Finally someone writes about insurance.



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