Pre-Tax Health Insurance for Part-Timers? Who Knew?

Attention part-timers! While we’re waiting for national health care reform to take effect, are you taking full advantage of the Massachusetts reforms?

This doesn't cut it anymore.

Did you know that employers must offer eligible part-time employees the option to use their wages to pay for health insurance premiums on a pre-tax basis?

Who’s eligible? (And who’s required to offer this?)

• Do you work more than 64 hours a month (on average) for your employer?
• Does your employer have 11 or more full-time equivalent employees?

Then if you buy insurance through the Mass Health Connector, your employer must offer you the option to have the cost of the premium taken out of your paycheck pre-tax. This option is called a “Section 125 Plan”.

You would save money on state, federal and FICA withholding taxes. Your tax savings could be as much as 40% of the premium cost. Employers also save on FICA taxes.

More details

• Your employer does not have to contribute to the cost of your premiums, but
• They have to allow you to pay for your premiums pre-tax. That is, they set up the paperwork and the process to funnel some of your paycheck to your insurance company pre-tax.
• Your employer is allowed to offer pre-tax withholding to part-timers who work less than 64 hours a month, but that decision is at their discretion.
• Your employer must offer eligible employees access to one or more health care coverage options. (“Access” means the right to participate, not to receive subsidized coverage.)
• If you work for two or more employers, you may only participate in one employer’s plan.

Is my employer on top of this already?

• A copy of the employer’s Plan must be filed with the Health Connector. You can ask your employer about their plan or check the Mass Health Connector site to see whether they’ve filed.
• Your employer might not be aware of this requirement, which has been law since 2007! Check out this petition to organize your co-workers and remind your employer of their obligation.

Next steps

• What do you think? Will this help you or are you excluded?
• Are you already taking advantage of this option? How are you finding it?
• If your employer is not offering the option to part-timers who work at least 64 hours a month, have you informed them of their responsibility?
• Have you considered lobbying your employer to offer the option to all part-timers?

Leave a comment here. Let your fellow educators know what you think — and how it goes if you take action!

Tools for organizing

• Download this petition
• More information in the Section 125 Handbook.

Tags: , , , ,

240 Responses to “Pre-Tax Health Insurance for Part-Timers? Who Knew?”

  1. What i do not realize is in fact how you’re no longer really much more neatly-favored than you may be now.
    You’re very intelligent. You realize therefore considerably relating to this subject,
    produced me individually consider it from so many numerous angles.
    Its like men and women aren’t interested until it’s something to accomplish with Lady gaga!
    Your own stuffs nice. Always handle it up!

  2. The preferred online poker sport is Texas Maintain’em, but there are additionally many other poker
    games accessible to play on-line. After a quick decline within the 80s, it was a worldwide phenomenon by the millennium, because
    of the appearance of on-line poker and the notorious abilities of an American accountant
    called Chris Moneymaker – the first person to win the World Series of Poker (in 2003) after qualifying
    for a seat by way of an online poker web site. Read extra about the
    way to play Texas Hold’em poker card sport.
    Loopy Pineapple :This is the another variation of Texas Maintain’em whereby a
    participant is dealt three hole playing cards, and has to discard one
    card after the flop. Nevertheless, getting to master the sport
    goes to take a lifetime!

    Escape to your dream island and explore a colourful free recreation from FarmVille.
    Play two of the most generally unfold variations, Omaha High and Omaha 8-or-higher.
    Follow or success at social on line casino gaming does not suggest future success
    at real money video games”. Pot-Limit Omaha Poker is an thrilling sport that encourages extreme
    strategy and a Poker face to win the game. Most poker rooms declare to actively scan for such exercise.
    This recreation is meant for an grownup audience and doesn’t provide
    actual money playing or a possibility to win actual money or prizes.
    Additional, your complete stake is committed in No Restrict Mode (that is,
    you don’t get your stake back until you win the sport;
    leaving early forfeits all your tokens!).

    The following are essentially the most generally used betting limits and we’ve written an article explaining how they all work.
    You would be higher off not doing this till you get more
    comfy enjoying dwell poker. Omaha Hello/Lo , or Omaha Eight (performed
    with an ‘eight or better’ qualifier for low), is obtainable in restrict, pot limit and
    no restrict action. It’s essential to set up Adobe Flash Player to sign up
    Bullfrog Poker. Even at online gaming websites, many games offer potential returns of nicely over 99%,
    making them a few of the finest games around for players who want to have an excellent chance of
    coming out on prime against the casino.

    This poker sport is often referred to as California Lowball, and that is another of the extra uncommon but still fashionable in certain circles sorts of poker video games
    that when you play you all the time find yourself liking and tend to return to it time and time
    once more. Give just a few games a strive, see which
    machines you like greatest, after which determine whether or not or not you’d like to play
    for actual cash as soon as you’re feeling ready! Some software goes so far as to give you quizzes, or scan your previously played
    fingers and flag possible mistakes. Keep in the high 50 of the Monthly Leaderboard to win Real Money
    Bonuses price 100K every month.

    The primary method to classify a game of poker, apart from which variant is being played,
    is figuring out whether or not it’s a money recreation or a event.
    By using our services, you conform to our use of cookies
    Study more Bought it. Read extra about combined
    recreation codecs and the most well-liked variations here.
    PokerStars propose le plus vaste éventail de jeux de tout Web sur des centaines de
    tables, notamment le Texas Maintain’em, Omaha,
    Stud, 2-7 Triple Draw, Badugi, ainsi que des jeux mixtes tels que le HORSE
    et le eight-Game. Please click here for extra particulars
    on pace poker. Our revolutionary and consumer-pleasant
    software program means that you can play your favourite video games in a spread of
    various kinds, together with Roulette and Blackjack video games in Single
    Player and Multi-Player mode, Slots and more, plus real money Reside On line casino tables offering video games together with Blackjack, Roulette, Baccarat, Dream Catcher and On line casino Maintain’em.

    Earn a card shark reputation when you discover our expert poker ideas and use them to boost your poker
    style. The sport’s bonuses are beneficiant, and there’s a
    slot sport you can play in between turns where you can see the poker sport
    in the background – genius! Dealers make mistakes on a regular basis and the one method things will
    be fastened pretty is if you happen to name the pit. Players use bets not solely when they have a
    great poker hand , but generally to deceive different gamers into considering they’ve
    one thing that they do not. Managed by the Delaware Lottery,
    the state affords on-line on line casino games in addition to on-line poker.

    Make reservations, play free games, log in to
    view provides, and extra!.. Be taught Extra. This traditional game will get you back to your poker roots and maybe make you some cash within the process.

    The world’s favourite method to gamble with playing cards is equal elements luck and skill.

    On this depend, Khelo365`s Whats up 2017 Thailand journey was undoubtedly a powerful success with the 10 fortunate winners having the time of their life; I’d
    know as I used to be among the fortunate few to expertise this primary-hand.
    Free poker on-line was performed as early as the late Nineteen Nineties within the
    form of IRC poker Planet Poker was the primary online card
    room to offer actual cash games in 1998.

    Toutes les variantes de poker sont déclinées dans une gamme d’enjeux qui conviendra à tous les
    joueurs, peu importe leur niveau et la taille
    de leur bankroll. Like this, the lowest hand in 2-7 triple draw is 2-3-four-5-7, which explains the name of the
    game. Draw Unlike Texas Maintain’em or Omaha, draw poker does not contain any neighborhood playing cards and the
    action takes place before and after the draw. The identical games that players can take pleasure in in brick-and-mortar establishment are additionally available
    at on-line sites. Free poker online for PokerNation – Citizens lose nothing and
    study much. You are sure to discover a variation of video poker – from deuces wild to
    jacks or higher, wild joker and all american – that can maintain you
    entertained for hours!

    Video poker strategy is complicated and complex,
    and even the basic forms of technique for a single machine
    are beyond the scope of this page. On-line venues may be
    extra weak to certain kinds of fraud , particularly collusion between gamers.
    PokerStars vous permet de faire des dépôts en argent réel faciles, rapides et sécurisés grâce à une vaste sélection de
    méthodes, ainsi que des retraits rapides. A few of our extraordinary
    options include safe Deposits, Fast Cashouts, Problem-Free Transactions And Certified Software program of international normal which indeed units us other than the gang.
    This product is intended to be used by these 21 or older for amusement purposes only.

    Angling is when you use dialog, bodily actions, and so forth.

    The high stakes outcomes for the previous seven days can be searched freely when logged
    in, and can show the complete record of winners and losers within the selected interval for all poker rooms, gamers and stakes tracked.
    Learn to play poker with Grosvenor Casinos and be within the
    know with all of the professional suggestions & tips. aspires
    to grow to be the very best poker site of India and has
    invested heavily to supply world class poker game software that gives one
    of the best poker expertise to its gamers on LAPTOP and Mobile

    So, if Maintain’em isn’t your favourite, you can simply
    get into another poker recreation that suits your tastes.
    I have loved enjoying this game and my children sit there and like to assist
    push the buttons so it’s sort of a household recreation for us ( specially at
    evening after we are trying to calm them down or when considered
    one of them are not feeling nicely ) only factor I do not like is I
    do not perceive what the elixirs are for. When you’re in search of one thing with a
    little bit little bit of math involvement, strive your luck at razz,
    a type of stud poker. In Texas Hold’Em, each player is dealt two non-public playing cards, and all gamers
    share 5 community cards.

    Notre calendrier croulent sous les tournois passionnants et les prize pools massifs – des milliers de tables sont
    ouvertes 24h/24 7j/7. In this poker game, every participant receives
    three gap playing cards. For example, online poker room
    security employees can have a look at the hand history of the
    playing cards previously performed by any participant
    on the location, making patterns of habits easier to detect than in a
    casino the place colluding gamers can merely fold
    their palms with out anyone ever understanding the energy of their
    holding. Can’t think of another method to have great leisure even as
    I earn cash on the same time.

    Here, every Poker Player is enrolled as a citizen of this Nation and is welcome to an all surpassing online poker expertise.
    Get fortunate and win the straight flush progressive jackpot, or
    get unfortunate and win the unhealthy beat progressive jackpot!
    No-Limit Games the minimum bet is the scale of the massive blind, whereas
    there is no restrict on the utmost bet – it’s simply the full amount of all of your chips.
    The player can wager each on the field they’re choosing, or a bonus bet where a prediction is made that a robust held has
    been dealt. Then select both Just for Fun and play the bots or one of many Excessive Curler tables and play other

    I know Pogo is concern that a hot shot participant will are available and discourage different because they by no means win. Deposit cash into your account in a
    fast and secure approach. The PokerKing workforce labored diligently with its software
    program builders to propel the platform to a complete new level.
    Not only that, however most machines provide among the best odds
    to gamers who are prepared to learn the most effective methods on each
    machine. Omaha: Omaha Poker is much like Texas Hold’em
    the place each participant is handled 4 cards out of which participant has to make finest
    his or her finest hand utilizing two of them and three of the five neighborhood
    playing cards.

    It was via one such tournament on PokerStars that Chris Moneymaker gained his entry to the 2003 World Series of Poker
    He went on to win the primary event, inflicting shock in the poker world, and starting the poker boom The 2004 World Series featured thrice as many players as in 2003.
    Simply remember to hold your cards on the desk where the dealer
    can see them, cowl your cards so your opponents can’t
    see them, keep quiet when the present hand is
    being performed (despite the fact that folks violate this rule all the time), say elevate” earlier
    than you throw in your oversized chip, wait your turn and place your
    massive denomination chips on the front.

    Texas Hold’em No Restrict is the game that’s performed in the course of the World
    Collection of Poker Finale. This isn’t attainable in a brick-and-mortar on line casino, but online casinos
    give you the probability to play free of charge for as long as you need, learning the games you are taking
    part in without putting any of your cash at risk.
    Play alongside tens of millions of other poker gamers in our world poker community.
    Online playing is regulated in Curacao, Netherlands Antilles.
    You possibly can play against laptop and actual opponents, deciding your
    destiny on the casino. You should definitely check out our Poker Recreation Rules
    and Poker Hand Ranks when you’ve got any questions about how
    any of the above poker video games are performed.

    In the event you discuss about the current hand in a multiway pot, you are
    asking for hassle. Texas Holdem, Omaha, Blaze Poker, Sit &
    Go, all standard on-line poker video games are current via single table and multi table tournaments.
    B) Pokerstars and Full Tilt players that Choose-Out will not be displayed.
    It is played primarily using Texas Maintain’em or Omaha and be performed utilizing either the money
    game or match format. As soon as the software program is put
    in, the download package will not be needed once more. This recreation has been fascinating players for many years and it is one of
    the most strategic yet straightforward to study poker
    video games you’ll discover.

    Wild Seat Poker® video games differ from the standard on-line poker games as a
    result of they only pay out one prize to the winner, which
    is not revealed till the end of the sport. Meet poker stars online and
    chat in-game to study poker ideas and improve poker
    technique. Zynga Poker is the vacation spot for casino fans and Poker gamers alike!
    On-line Poker, Texas Holdem or one other are difficult but not tough believes Poker Nation. No personal info that may be traced again to the user can be collected.
    You will find suggestions for successful poker, technique for
    beginning arms, and helpful advice in poker
    odds calculations.

  3. autonomy says:

    If some one wants to be updated with newest technologies afterward he must be pay a quick visit this
    web page and be up to date every day.

  4. UniverseMC is a very diverse minecraft server. our community brings a
    varity of gamemodes to fit each player! We offer Factions,Prison,Skyblock and more gamemodes
    being released all the time. We offer a freerank to all those who would like to prevent the pay to play
    aspect of most other servers. We host weekly events and staff that are dedicated to helping you how ever needed.
    Our machines are hosted in the United States to make the best gaming expierence possible
    for all players globally. We have EU proxies to have
    better ping or connection for everyone. We also host weekly events
    and release weekly major updates! Our server is a minecraft server that just released 3
    months ago from this message being sent! We would love to see you online to enjoy the best time of your life in the Minecraft community!

    Our IP IS PLAY.UNIVERSEMC.US We host sales about
    once a month and whenever we reach our donation goal we host a massive
    event for all of our players.


  5. Doyle says:

    Aw, this was an exceptionally nice post. Taking the time and actual effort to make a very
    good article… but what can I say… I procrastinate a lot and don’t seem to
    get anything done.

  6. Wilfredo says:

    A motivating discussion is definitely worth comment.
    There’s no doubt that that you ought to publish more on this subject matter,
    it might not be a taboo subject but generally
    folks don’t speak about these subjects. To the next!

    All the best.

  7. Anirazobep says:

    ventolin australia over the counter where to buy domperidone top rated canadian pharmacies online

  8. Atapuheaz says:

    prescription strength aleve mg sokukeru49 where to buy hydrochloric acid

  9. Attractive portion of content. I simply stumbled upon your web site and in accession capital to assert that I get actually loved account your blog
    posts. Anyway I will be subscribing for your augment and even I success you
    get entry to consistently rapidly.

  10. Achirorobit says:

    allegra and alcohol interaction kanbura40 acid reflux in newborns

  11. Hi there, You’ve done an incredible job. I will definitely
    digg it and personally recommend to my friends. I am confident they will be benefited from
    this website.

  12. Apazetsurab says:

    x men fairness cream price nukusoki44-tumblr stop snoring at night

  13. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your weblog? My blog is in the exact same niche as yours and my users would genuinely benefit from a lot of the information you provide here. Please let me know if this alright with you. Cheers!|

  14. Good article! We are linking to this particularly great post
    on our site. Keep up the great writing.

  15. I’m impressed, I must say. Seldom do I come across a blog that’s
    both educative and engaging, and let me tell you, you’ve hit
    the nail on the head. The issue is an issue that too few men and women are speaking intelligently about.

    I am very happy that I came across this in my search for something relating to this.

  16. Aririroav says:

    dimenhydrinate 50 mg dosage kanbura40-domperidone best lightening cream for indian skin

  17. adult video says:

    Oh my goodness! Impressive article dude! Thanks, However I am encountering troubles with your RSS.

    I don’t know the reason why I can’t subscribe to it.

    Is there anybody else getting identical RSS problems?

    Anyone that knows the answer will you kindly respond? Thanx!!

  18. stretch says:

    I’m imρressed, I must say. Rareⅼy ɗߋ I come across a blog thаt’s equally
    educative and interesting, and withⲟut ɑ ⅾoubt, yⲟu’ve
    hit the nail on the head. The іssue is s᧐mething that too few folks are
    speaking intelligently about. I’m very happy that I stumbled across tһis in my
    һunt for something reⅼating to tһis.

  19. Good day I am so delighted I found your weblog, I really found you by accident,
    while I was browsing on Aol for something else, Regardless I am here now and would just like to say thanks for a fantastic post and a all round enjoyable
    blog (I also love the theme/design), I don’t have time to
    browse it all at the minute but I have saved it and also added in your RSS feeds, so
    when I have time I will be back to read more, Please do keep up the great

  20. Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your website?

    My website is in the very same area of interest as yours and my users would definitely benefit from some of the information you provide here.
    Please let me know if this okay with you. Thanks!

  21. Timothy says:

    I visit everyday a few web sites and blogs to read articles, however this web site presents feature based writing.

  22. check post says:

    I just like the valuable info you provide to your articles.
    I’ll bookmark your blog and test again here regularly.
    I am somewhat certain I’ll be told many new stuff right right here!
    Best of luck for the following!

  23. Angodzusee says:

    does buscopan help period pain kanbura40-tumblr how increase breast milk production while pumping

  24. 오케이밤 강남대딸

  25. vegan drinks says:

    hi!,I really like your writing so so much! proportion we communicate extra approximately your post on AOL?

    I require an expert in this area to solve my problem.

    Maybe that is you! Having a look forward to look you.

  26. Thanks for sharing your thoughts about คาสิโนฟรีเงิน.

  27. Thanks for sharing such a nice idea, article is fastidious,
    thats why i have read it entirely

  28. Hello to every single one, it’s genuinely a fastidious for me to visit this website, it includes important Information.

  29. porn says:

    Thanks for the good writeup. It if truth be told was once a amusement account it.
    Glance complicated to far added agreeable from you! By the way, how can we keep in touch?

  30. Genuinely when someone doesn’t understand then its up to other viewers that they will help, so
    here it takes place.

  31. I’ve been exploring for a little for any high quality articles or weblog
    posts on this sort of house . Exploring in Yahoo I at last stumbled
    upon this site. Reading this info So i’m happy to exhibit that I have a very good
    uncanny feeling I came upon exactly what I needed.
    I so much without a doubt will make certain to do not omit this website and provides it a look regularly.

  32. estante says:

    You need to be a part of a contest for one of the highest quality websites on the net.
    I will highly recommend this website!

  33. Leonore says:

    Le gusta venir cerca de la punta y hacer uso de su mejor cualidad, la velocidad, pero los
    angeles voluntad de dosificar podría ser un grandmother
    plus para Mastery más adelante.

  34. I go to see daily some sites and information sites to read articles, but
    this web site presents feature based writing.

  35. Vida says:

    It’s truly very complicated in this busy life to listen news on TV, therefore I only use internet for that reason, and take the most up-to-date news.

  36. Carmella says:

    I’m pretty pleased to find this web site.
    I wanted to thank you for your time just for this wonderful read!!
    I definitely savored every little bit of it and i also have you bookmarked to check out new things in your site.

  37. I reserved a room on the tenth of March and adopted up by sending the receptionist a textual content with my particulars.

  38. What i do not realize is in reality how you are now not
    really much more smartly-liked than you may be right now.
    You are so intelligent. You know therefore considerably
    in relation to this matter, produced me in my view believe it from so many various angles.

    Its like men and women are not involved except it’s one thing to do with
    Girl gaga! Your personal stuffs outstanding. Always maintain it up!

  39. We stumbled over here from a different web page
    and thought I may as well check things out. I like what I see
    so now i am following you. Look forward to going over your web page for a second time.

  40. 83Harriett says:

    Hello blogger, i must say you have hi quality articles here.

    Your page should go viral. You need initial traffic only.
    How to get it? Search for; Mertiso’s tips go viral

  41. If some one needs expert view about running a blog then i recommend him/her to go
    to see this webpage, Keep up the good job.

  42. It’s actually a cool and useful piece of information. I’m happy
    that you shared this useful information with us. Please stay us
    informed like this. Thanks for sharing.

  43. Link exchange is nothing else but it is just placing the other person’s blog link on your page at suitable place and other person will also do similar in support of you.

  44. Free watches says:

    It’s going to be end of mine day, however before end I am reading
    this great piece of writing to improve my knowledge.

  45. Hi thеre everyone, it’ѕ my fіrst visit ɑt tһіѕ
    web site, and article iѕ really fruitful designed f᧐r me,
    keеp up posting suⅽh content.

    My blog post American Horror Story Season 5 dvd release d

  46. Du 6 au 9 juin. Gratuit. Le 7 juin à 20 h.


  47. Now that I’ve tried programming the remote numerous times I seem like the opener and
    the remotes do not have a code mounted. The US Military Recruiting Program called the Armed
    force Accessions Essential to the National Passion (MAVNI) was
    introduced in February 2009, to hire non-citizens of US into the military as medical care professionals.

  48. I don’t even know how I finished up here, but I assumed this submit was
    once great. I don’t recognize who you might be but certainly you’re
    going to a famous blogger if you aren’t already.

  49. Yang Penting says:

    I’m really enjoying the theme/design of your web site. Do you ever run into any internet browser compatibility issues?
    A few of my blog audience have complained about my website not
    operating correctly in Explorer but looks great in Safari.
    Do you have any advice to help fix this problem?

Leave a Reply