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CIS Update
CIS Update
CalNonprofits Insurance Services (CIS) is a subsidiary
of the California Association of Nonprofits. CIS
specializes in providing quality, affordable insurance,
including association plans, exclusively for nonprofits.
CIS Update is published quarterly and is provided
as an information source only.
Monique Espinosa, Editor
Dorigraphics, Graphic Design
Corporate License #: 0827761
HOW TO REACH US
CalNonprofits Insurance Services (CIS):
Toll Free: 888.427.5222/Fax: 831.462.8529
1500 41st Ave. Suite 280, Capitola, CA 95010
3435 Wilshire Blvd., Suite 1930, Los Angeles, CA 90010
2440 Bert Dr., Building 100, Suite 105, Hollister, CA 95023
www.CalNonprofitsInsurance.org
California Association of Nonprofits (CalNonprofits):
Toll Free: 800.776.4226 / Fax: 831.462.8529
400 Montgomery St., Suite 500 San Francisco, CA 94104
1107 Ninth St., Suite 300 Sacramento, CA 95814
1000 North Alameda, Suite 240 Los Angeles, CA 90012
www.calnonprofits.org
CIS BOARD OF DIRECTORS
Mickey Branca, JD, Secretary
Principal, pearldiving LLC
Meredeth Clark, Ex-officio
Founder & CEO,
CalNonprofits Insurance Services
Jan Masaoka
CEO, California Association
of Nonprofits
Norma Mtume, Treasurer
CFO/COO, SHIELDS for
Families, Inc.
Yolanda Nunn Gorman, Ph.D.,
Vice Chair
President, Phillips
Graduate Institute
Robert Peterson, JD
Professor, Santa Clara University
School of Law
Latonya Slack, JD
Principal, Slack Consulting Group
Joe Valentine, Chairperson
Retired, Nonprofit Executive
CIS STAFF
Debra Chargois
Broker & Regional
Manager, So. CA
Tracy Graham
Customer Service
Assistant
Gabriel Padia, CHRA
Customer Service
Manager
Tim Carpenter
Account Manager
Charity Guerrero
Account Executive
Meredeth Clark
Founder & CEO
Heidi Jensen
Property Casualty
Account Manager
LaKeisha Parker
Property Casualty
Account Manager
Deborah Connors
Chief Operating Officer Nanci Judd
Dental & Vision
Chelsea Dascher
Supervisor
Property Casualty
Ken Keir
Executive Assistant
COBRA Administrator
Monique Espinosa
Director of Marketing Debbie Klug
Compliance &
Connie Fossum
Resources
Accountant & HR
Administrator
Administrator
Jamie Lucas
Jeff Galipeaux
Accounting Assistant
Employee Benefits
Heather MacCurdy
Supervisor of
Individual Enrollment
Assistants
Specialist
Natalie Garcia
Sara Mattson
Customer Service
Supervisor, Property VP of Employee
Casualty Department Benefit Sales
Steven Parker
Operations &
IT Associate
Kimberly Patterson
Receptionist
Ulises Regalado
Account Manager
Griselda Renteria
Account Manager
Suzanne Rieser
Account Executive
Sonia Swain
Marketing Assistant
Cheryl Thompson
CalNonprofits
Accountant
Monica Trevino
Property Casualty
Assistant
Coryn Gardiner
Property Casualty
Account Manager
Bonnie Moon
Dental & Vision
Administrator
Meredith Watterson
Executive Broker
Assistant
Kristy Goulart
Account Manager
Jonathan Ortiz
Customer Service
Assistant
Jennifer Wells, CIC
VP of Property
Casualty Sales
www.CalNonprofitsInsurance.org
Employer Sponsored
Health Insurance
It Still Makes Sense
A
s the dust settles and the impact
of the Affordable Care Act
(ACA) becomes at least a little
clearer, most employers are finding
that it still makes sense to provide an
employer sponsored health plan.
Employers have not always offered
insurance plans for their workers.
Private companies started offering
insurance during World War II, when
government wage controls limited
employers from giving raises. But
since then, job benefits have become
an important part of attracting and
retaining employees as well as
“ ”
…benefits have become an
important part of attracting
and retaining employees…
rewarding employees with untaxed
benefits. And when presenting his
plan, President Obama said that he
did not want to disrupt the employerprovided insurance plans that serve
149 million Americans.
Opinions regarding the future
of employer sponsored plans range
from no change to the prediction
that employer health plans will
entirely disappear over the next 10
years. A team of experts from the
University of Michigan have closely
followed ACA and predict that things
probably won’t change much for
the vast majority of Americans, who
currently receive health insurance
coverage from the government or
from employers. Health insurance
benefits, they contend, will still make
sense for most employers with more
than 50 employees. Meanwhile, a new
report from PricewaterhouseCoopers
found that in Massachusetts, where
the model
for the federal plan was enacted
eight years ago, employer-sponsored
coverage rose rather than fell.
These predictions are playing
out at CalNonprofit Insurance
Services as well, where more than
800 nonprofits access their employee
benefit and insurance coverages.
Gabriel Padia, Customer Service
Manager, reports that only 15 small
nonprofits who could no longer
afford the cost of health insurance,
have actually cancelled their group
coverage since the Exchange opened.
He also said, “Many nonprofits have
called us to talk about the option of
ending their employer sponsored
plan. But when we go over the pros
and cons for their employees, in
most instances it’s clear that their
employees are much better off
with their current employer plan.”
So should you leave your
employer sponsored health plan?
There is a lot to consider. Besides
attracting qualified job candidates
and the tax consequences for your
employees, employers should
consider what can legally be
offered in-lieu of a health plan
and will employees be able to get
an affordable plan on the Exchange?
Do you need help considering your
options? Check out CalNonprofits
Insurance Services’ resource: What
A Nonprofit Needs to Know When
Considering Ending an Employer
Sponsored Health Plan (website
address). 