Access to reliable heath coverage is a constant issue within Idaho’s nonprofit sector — 43% of surveyed organizations did not have health benefits in 2022. 

We know that the key to a nonprofit's success is their employees. By providing access to consistent health benefits, nonprofits are better equipped to hire and retain talented staff.

We listened to the needs of our community and are excited to announce a solution: nonprofit members can now receive health insurance under the Idaho Nonprofit Center Health Plan.
With this new program, we hope to: 
  • Get health insurance in the hands of nonprofits that do not have access otherwise
  • Increase workforce retention by prioritizing employee health and long-term well-being
  • Leverage our collective buying power as a community to keep rates competitive year over year
  • Empower nonprofits by providing more choice in health options
Additionally, it is hoped that this plan may be more competitive or better than your existing benefit plan, yet sometimes it may not be. We recommend that you reflect on the specific needs of your employees and chat with the INC Health Plan broker to determine if this next step is right for you. 
If interested, please email the INC Health Plan broker: Dave Knoop, dknoop@idahononprofits.org

Checklist

  1. Email: Your organization emails our health plan broker, Dave Knoop, to state your interest. Please include any specific questions or concerns. Dave will email you back with your next steps.
  2. Meet: Your organization meets with Dave to ask questions and learn about your options.
  3. Complete: For organizations that have nine or fewer employees, each staff member completes a private questionnaire that collects age, gender, and other health information.
  4. Receive: You receive a full outline of possible coverage options based on the specific needs of your organization. 
  5. Reflect: Your organization clarifies remaining questions with Dave and reflects on the quote provided to decide what is the right fit. 
  6. Enroll: Your organization enrolls your employees and their dependents in your selected plan. The insurance agency, Health Cooperative Strategies, sends your new insurance cards and onboarding information after enrollment. 

FAQ

Why launch the INC Health Plan? ​
Access to reliable heath care benefits is a constant issue within Idaho’s nonprofit sector. The key to a nonprofit's success is their employees -- by providing consistent, accessible health insurance, nonprofits are better equipped to hire and retain talented teams.
Who is eligible?
Paid employees of INC member nonprofits and their dependents are eligible to sign up for this plan.
How many employees can enroll?
​Organizations can enroll as few as one employee or as many as 1,000+ employees.
How much will this cost my organization?
The cost of coverage for your organization will be calculated based on the unique demographics of your employees that wish to enroll. You’ll receive an estimate after your organization discusses desired benefits with Dave and provides health information to the insurance agency.
What does this plan cover? What are my benefits?
Each organization will receive at least one plan option with a banquet of benefits. You’ll chat with Dave, our INC Health Plan broker, to match a plan option with your needs.
WHY DO I HAVE TO FILL OUT A PERSONAL HEALTH QUESTIONNAIRE (PHQ)?
Only for organizations with nine or fewer staff members

The Personal Health Questionnaire (PHQ) is a secure, HIPAA compliant form accessed only by the underwriter. By reviewing the health needs of your employees, the underwriter is able to provide your organization with rates that are much more competitive than they would be otherwise. We understand that your insurers may not have required this in the past, but this process must be completed to receive a rate under the INC Health Plan.

Rest assured, your PHQs are confidential and used solely by the insurance agency to match you with the right benefits. The Idaho Nonprofit Center staff and broker cannot access your information. If you have any additional concerns, please contact us.
Why should my organization go through this process instead of working with another broker?
There are many perks of the INC Health Plan structure. They include:
  • Long term rate stability: rate increases will stay modest year over year instead of large, unpredictable jumps.
  • More choice: with a larger, combined population, your organization has more coverage options to pick from.
  • Success history: this model has been used in many other employment associations and we are partnering with the experts.

When can my organization sign up? Is there an open enrollment period?
Organizations can sign up for the health plan on the first of any month throughout the year. Rates and coverage will last for one year and then you will be given the option to renew. Employees may join their organization’s plan in the middle of the year if they are new hires or had a qualifying life event. The earliest date for coverage by the INC Health Plan is January 1, 2024.​
Can my organization cancel at any time?
No, you cannot cancel during the agreed yearlong coverage. If you wish to cancel, you will need to do so when your plan is up for renewal.
Does the plan include telehealth?
Yes, the health plan includes telehealth.
Does the plan include dental, vision, HSA benefits?
No, the health plan does not come with dental, vision, or HSA but your organization can purchase it as separate benefits.

​HSA: Health Savings Account
DOES THE PLAN INCLUDE EAP OR ANY OTHER COVERAGE OPTIONS?
No, the health plan does not come with these coverage options but your organization can discuss how to acquire them when you meet with Dave, our INC Health Plan broker.
What network does this plan use? Are my doctors and providers covered?
The health plan is a part of the Cigna Network (PPO). You can confirm which providers are included with this search tool.
Can I continue treatment that has already been approved by my current insurance agency?
​Existing treatment plans that have already been approved by another insurance agency will need to be approved by the new plan to continue. Luckily, your enrollment includes access to a team of highly trained patient advocates ready to assist with the process.
Can an individual employee enroll on their own, without their organization’s enrollment?
No, the health plan is offered at the member organization level, not the individual level. 
If my organization drops our INC membership, what happens to my coverage?
​If you choose to drop your INC membership during the yearlong coverage, coverage will continue through the end of the plan year. After the plan year concludes, you would not be able to renew your coverage on the health plan unless your organization renews INC membership. 

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