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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]
The school is still paying the same share of the premiums over the summer as they do the rest of the year. Did you really think you were paying the full premium over the summer? [b]Or that they were taking the full premiums for the summer out of your paychecks during the school year?[/b][/quote]

In my school district, yes, that's how we are paid.

I earn a salary of $83,320/year. I'm paid for 22 pay periods. My yearly health care insurance premiums, long term disability, pension contributions, etc are divided up for the year by 22 and the amount is paid from that paycheck. The school district's share of our premiums and contribution to our pensions comes during those 22 pay periods, as well.

From each paycheck about 1/6 of my gross pay (actually 18%) is withheld (after taxes).  They keep that for teachers in a "Summer Pay" fund.  We get 4 paychecks in the summer from that fund. But all our premiums are paid from the 22 salary paychecks. Not from the 4 summer fund paychecks.[/quote]

You realize what they withhold from your paychecks doesn’t cover the entire premium, don’t you? The school pays most of the premium, even for those summer months when you're not working.

This really isn’t that complicated.[/quote]

Let me walk you through this with some sample numbers so you can understand where I am coming from.

Scenario 1:
Health care for employer per year is 12,000
Health care for employee per year is 8,000 ( 800a month for 10 months, or 666.6 a month for 12)

Scenario 2:
Lets say the board decides to lower their payment to 10,000 and pass the extra 2 to the employee.  Now it is

Health care for employer per year 10,000
Health care for employee per year 10,000  ( 1,000 per month for 10 months or 833 per mont for 12 month pay)

I'll admit to not knowing much about this, but both of these seem viable options. 
 Please provide me with an explanation to show how local school boards decide how much premium they pay vs the insurance.  You can also let me know how schools choose health providers and negotiate payment and decide how much they pay vs their employees.  I will be honest and say I don't know how any employer does this, [b]but it seems like any employer can change the formula [/b]and I am not sure how you would know the breakdown between employer and employee. [/quote]

You can not just "change the formula". The employer is required by law to pay at least 50% of the premium for the insured person. If you pay 75% of one employee, you must pay 75% of all, etc. but the minimum you must pay is 50%[/quote]

Ok thanks so the formula can be anywhere between 50%-100% for all employees?  Are you saying the board cannot change the amount paid from 60% to 50% for all employees?  I am genuinely asking because I don't know. 
[/quote]

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