Health Insurance: Town Pays More Than 100% Of Employee Premiums For Silver Plans
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)
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 Negotiations. Under 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.