MGA Association Health Plan Evaluation Survey

Exit Survey

Name of your club/course:

Does your club/course offer a health insurance benefit to eligible employees?

Yes, we offer a group health insurance plan to our employees.

Sort of. We pay a slightly higher wage and that is supposed to help our employees get individual insurance.

No, we do not offer health insurance, but we are interested in learning how we may be able to offer a new benefit.

No, and we do not intend to offer this type of benefit in the future.

Other

How many benefit-eligible employees do you have? (A benefit-eligible employee is one who works an average of 30 or more hours per week.)

How many employees currently participate on the health plan (i.e. How many employees elect health insurance coverage?)?

What health insurance carrier do you currently use?

What percentage of the health insurance premium does your club/course contribute toward the employee only coverage? NOTE: Health insurance carriers require a contribution of at least 50% toward employee-only coverage.

What percentage of the health insurance premium, if any, does your club/course contribute toward dependent coverage (employee-spouse; employee-child; family)? NOTE: Carriers do not require any contribution toward dependent coverage.

If your club/course is like many of your peers around the state, you likely took an "early renewal" to avoid the big, projected increase caused by the ACA (Affordable Care Act). These increases are being caused by mandated changes in the underwriting methodology on employers with 50 or fewer eligible employees. This causes some industries (like those affiliated with the MGA) to receive giant increases. The "early renewal" strategy only delayed the inevitable. Please identify the situation that most closely matches your own:

We took an early renewal (December 2013) to avoid the big, projected increase.

We did not take an early renewal because our renewal looked pretty good.

We have over 50 eligible employees, so this impact on "small groups" did not impact us (even though I realize that this same negative underwriting impact will happen to employers with up to 100 eligible employees in 2016).

Other

For those clubs/courses who took an early increase in December 2013 to avoid the large, projected increase in 2014, what was the projected increase?

For those clubs/courses who took an early increase in December 2013 to avoid the large, projected increase in 2014, what percentage increase did you receive with your "early renewal"?