Health Insurance: Town Pays More Than 100% Of Employee Premiums For Silver Plans

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Norwich pays MORE than 100% of the health premiums for standard Silver health plans and Silver HDHP, for employees and their families. The excess beyond the premium cost goes to an HRA/HSA for the worker. For a Gold level plan, the Town pays 103% and 93% of the cost, for a single and family plan respectively. [See chart below.] (Hat tip to Claudette B. for her diligence in bringing this issue to light) 

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Obviously, this impacts the budget, possibly more so because the union contract is up for negotiation for the coming fiscal year. See Town Budget - Collective Bargaining NegotiationsUnder section 5.09 of the current four-year agreement, the Town pays a set amount, with premium increases shouldered 50/50 between the Town and employee. Norwich typically extends the same benefits to non-union workers, such as staff at Tracy Hall. 

Norwich offers 12 health Blue Cross Blue Shield health plans to employees

I don't know how this benefit compares to those provided by other Upper Valley municipalities. However, in the new agreement for Marion Cross School teachers, Teachers contribute 16% of the premium cost in year one and 17% in year two, based on a Gold CDHP plan. Although that qualifies as a high deductible plan, the school district funds an HRA that caps the deductible at $400 for a single plan, $800 for parent/child or two-person plan, and $1,200 for a family plan.

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