community colleges Proposal could solve medical health insurance problem – InsuranceNewsNet

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Part-time instructors at California’s community colleges need to work multiple jobs to make a living wage, but some still don’t have enough medical health insurance.

A state fund to help them hasn’t been increased for a long time from $490,000 a 12 months, but now Gov. Gavin Newsom proposes so as to add $200 million annually. While the nonpartisan Legislative Analyst’s Office says there’s no data to justify that spending, a union has collected survey information that would help the governor’s case.

The California Federation of Teachers gathered survey ends in 2022 from about 2,500 part-time instructors, just about all of them teachers at community colleges — a large share of the roughly 35,000 part-timers em

ployed across the state’s sprawling community college system.

The survey shows that 6 percent of part-time faculty don’t have medical health insurance from any source. A 3rd of respondents said they receive insurance from a university at which they teach. A few quarter relied on their spouse’s coverage and 17 percent got theirs from Covered California or Medi-Cal.

Many say they still skip out on vital medical care — a sign that their insurance could also be inadequate. Of those that responded, 30 percent said they didn’t get a medical test or exam that was advisable by a health care provider.

Nearly a fifth of respondents said they didn’t fill a prescription for themselves or a dependent and 11 percent said they cut pills in half or skipped doses.

The information, shared exclusively with CalMatters before being released today, give rare, if incomplete, insight into the health advantages and labor patterns of part-time faculty. Sometimes known in education circles as “freeway flyers” due to multiple colleges many work at to earn a living wage, these instructors make up many of the teaching faculty within the state’s 116 community colleges but typically earn far less for a similar amount of labor full-time faculty receive.

The union argues that employers must be providing medical health insurance, not spouses or public subsidies.

“That’s the price of getting employees,” said Jeffery Freitas, president of the California Federation of Teachers, which represents part-time faculty in a few third of the state’s 73 community college districts, in addition to other employees.

In its latest state budget goals, the leadership of the state Senate is assuming Newsom’s $200 million plan passes, though nothing is finalized, said the office of President pro Tempore Toni Atkins, a Democrat from San Diego.

Current health program only gets $490,000 a 12 months

Newsom’s plan is to supercharge a state fund from the Nineteen Nineties that enables colleges to be partially reimbursed for providing medical health insurance to part-time faculty.

But that program only receives $490,000 a 12 months, meaning it reimburses districts for pennies on the dollar of the true cost. The state program excludes vision and dental coverage. Districts as an alternative use money from other state and native revenues to supply insurance, but plans vary from covering all of a part-time faculty member’s premium costs to under 30 percent.

Meanwhile, part-time community college faculty at nearly half the school districts get no employer-provided medical health insurance, an EdSource investigation found.

A separate evaluation by the union suggests that $200 million a 12 months may be very near the quantity needed to supply high-quality medical health insurance to 50 percent of part-time faculty. The union’s evaluation assumes employees wouldn’t pay greater than 10 percent of the premium costs.

The 50 percent cut-off within the evaluation also assumes that currently no district could have greater than half of their part-timers eligible for this medical health insurance due to minimum work requirements. If this system is best funded, it’s likely more faculty will participate.

How the $200 million could help one part-time faculty member

The federation of teachers desires to apply several tweaks to Newsom’s plan before the state budget have to be passed by June 15.

One is to permit part time faculty to mix their teaching loads at multiple districts to succeed in the state program’s minimum 40 percent threshold of full-time work needed to access medical health insurance coverage. Currently, an instructor who teaches 20 percent of a full-time load at two different districts is unable to merge those workloads to receive medical health insurance. Some colleges decide to require a better threshold for part-time faculty to access insurance. To get around that, the union also desires to make the 40 percent threshold the minimum requirement across all colleges. But that rule would apply only to schools that need to use additional state medical health insurance dollars if there’s money left over.

Either of those changes would help restore no-cost or reasonably priced medical health insurance for Juli Jones, likely saving her greater than $1,000 a month. Jones is a U.S. history professor at Cuyamaca College in San Diego County. Until last September, she received medical health insurance from the school’s district, along with her employer paying the complete premium. But because the school cut her teaching load from five classes to 4 the past two academic years, she fell below the minimum hour threshold to receive district-paid insurance.

To maintain her insurance advantages, she purchased a COBRA plan that costs around $1,370 a month for her and her husband, she said. Because of a health issue, she dialed back her teaching duties at one other nearby college district, but in normal times she’d be teaching at each districts to cobble together full-time work.

The pursuit for enough teaching assignments to qualify for advantages “looks like Russian roulette,” Jones said. “It’s like a roller coaster that never stops and I’m at all times desperately attempting to get more sections to feed this thing and keep it going.”

Medical health insurance is an element of larger picture

No less than one lawmaker had argued that the road to raised advantages is for more part-time faculty to turn out to be tenured. “It’s a no brainer to me: Why not only hire them full-time, give them the advantages that they deserve as a full-time worker?” asked Assemblymember Patrick O’Donnell, a Democrat from Long Beach, during a hearing in April. “I’m still fighting this $200 million concept, since it’s a patch, not a fix.”

But college finance officers last 12 months said declining community college enrollment means locking in money for full-time faculty makes little fiscal sense. Faculty disagreed.

It could seem counterintuitive for unions to vie for higher treatment of part-time faculty when in addition they want more full-time openings at the universities. But by paying part-time faculty “such as you pay full-time faculty” and giving them health care, colleges haven’t any profit to proceed hiring part-time faculty, “so you would possibly as well hire full-time faculty,” Freitas said.

Just a few third of the college are full-time with advantages. Not only does that full-time status include higher pay, however the salaries account for all of the work faculty must do outside the classroom to teach their students, similar to grading, lesson planning and mentoring students. But rarely do colleges pay part-time faculty for that non-classroom work.

There’s increased pushback to that reality. Two part-time community college faculty are suing Long Beach City College, arguing that the uncompensated work they do outside the classroom violates state minimum wage law. Relatedly, a bill by Assemblymember Miguel Santiago, a Democrat from Los Angeles, would require that schools pay part-time faculty at a rate equal to what full-time faculty earn. A legislative committee estimates this alone would cost at the very least $267 million annually.

The brand new union survey shows that 59 percent of respondents earn lower than $40,000 from their teaching jobs — regardless that greater than half work at the very least a half of a full teaching load and most need to teach more. Meanwhile, an investigation by EdSource revealed that the typical pay for part-time community college faculty is lower than $20,000.

Should Covered California insure community college part-time faculty?

Jones, the San Diego-area part-time instructor, is just not alone in seeing her teaching load cut. Declining student enrollments have prompted community colleges to shrink the variety of classes they provide, leaving less work for non-tenured teachers.

That had the Legislative Analyst’s Office asking whether tying part-time faculty medical health insurance to school employment is smart. “Potentially having to vary health plans regularly is likely to be less optimal for part-time faculty than remaining insured under Covered California.”

But when the state pours more cash into part-time faculty health plans, “unions and the districts may negotiate to enhance the advantages currently offered,” said Laurel Lucia, director of the Health Care program on the UC Berkeley Labor Center. Colleges that already offer health plans to part-time faculty “might reduce the premium amount that the employee is required to pay or they may reduce the quantity that folks need to pay out of pocket to access care.”

Jones said she’ll enroll with Covered California if her COBRA runs out early next 12 months and her employer medical health insurance isn’t restored. That’s not ideal, she said, because she’s used to the doctors and care on her current plan, which she may lose under a distinct insurer.

“But, frankly, if I’m not teaching enough, then the probabilities of my having the ability to afford the payment (for Covered California) aren’t superb either,” Jones said.

Mikhail Zinshteyn has been a better education reporter since 2015. As a freelancer, he contributed to The Atlantic, The Hechinger Report, Inside Higher Ed and The 74

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