Results from the April 2018 member survey:
The tremendous response from members to our first survey confirmed that addressing health insurance costs and claims is of high interest to nonprofit employers.
We heard from 549 organizations:
- Two-thirds of respondents currently offer health insurance to eligible employees.
- 70 percent of respondents are highly interested in the health insurance benefit option that that MCN aims to establish (rated 8 or higher on a 1 – 10 scale of interest).
- Of the 359 organizations that offer health insurance to eligible employees, the median size is 17 employees; almost a quarter of these nonprofits have more than 50 employees.
Of the 190 organizations that do not offer health insurance benefits, the median size is 2.5 employees; two-thirds of these nonprofits have five or fewer employees.
The survey respondents provided many thoughtful comments and questions about this potential benefit. Bearing in mind that the benefits and plan design are currently being developed, here are preliminary responses to a few of the questions that were submitted multiple times:
1. Our organization is in Greater MN – will this coverage be an option for us?
MCN is seeking to offer a benefit that works for a maximum number of nonprofits, and including all geographic regions of the state.
2. Will we be able to continue working with our current insurance broker?
3. Will other types of ancillary benefits be included in the offering?
Yes. We expect the options will include dental, vision, COBRA, short term disability and other benefits.
4. How will you ensure that our employee health data is secure?
This is a highly regulated field. We are committed to working with service providers and carriers who have successfully demonstrated their ability to comply with HIPAA and other state and federal regulations governing data security and privacy.
5. Our organization is a consortium or member support organization – other than for our employees, could this benefit be an option for individuals served by our organization?
As an association health plan (501[c] Voluntary Employee Beneficiary Association), MCN member organizations can participate in BenefitsMN to cover their eligible employees only.
6. Our organization has fewer than five employees – will this coverage be an option for us?
The benefits and plan design are currently being developed, so the minimum number of employees isn’t known yet. MCN is seeking to offer benefits that work for a maximum number of member organizations, and finding a way to serve smaller organizations is one of several priorities.