Are Philly Teachers on Par?

By George Bezanis

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SRC Chair Bill Green, Mayor Michael Nutter, and Governor Tom Corbett have recently said that the reason they decided to impose contract terms on the Philadelphia Federation of Teachers is because, unlike other school districts in Pennsylvania, Philadelphia teachers do not contribute toward health care. Philadelphia teachers, they claim, have not sacrificed enough for the children of Philadelphia.


The number Green, Nutter, Corbett, and the SRC have been throwing around is that it will only cost Philadelphia teachers 5-13% of the insurance premium, or approximately $25-$75 a month - a reasonable request.


What they fail to mention, however, is that that particular quote is for a single individual under a high deductible plan. Under the District’s new benefits, the SRC is now eliminating their previously cheaper Keystone HMO 15 $0 deductible plan. The new standard plan, Personal Choice 320, has higher deductibles and only covers 90% of inpatient hospital costs. This move deceptively forces teachers to “buy-up” to the Personal Choice 20/30/70 plan, which costs the district a total of $24,239.64 per year ($2019.97 x 12).


For someone who earns $55,000, the resulting $6319 yearly premium amounts to a 26% contribution -- not 13% as quoted in the papers -- and is, in fact, a 11.5% pay-cut for a Philadelphia teacher earning $55,000. If, God forbid, you have a spouse who works and would like to add them to your plan, it adds up to an astounding $8139 premium, or a 34% contribution resulting in a nearly 15% pay cut.


So what about those teachers in other schools that already pay towards their health care? How do Philadelphia teachers compare? Are Philadelphia teachers, as SRC Chair Bill Green stated, on par with them?


I decided to research what teachers who earn $55,000 in other districts pay towards their health care for a $0 deductible family plan (including spouse), and here are my findings:


$61 a month
Lower Merion
2.2% of salary
14% of premium
Council Rock
16% of premium
16% of premium
Central Bucks
16% of premium
Lower Moreland
6% of premium
11% of premium

26% of premium
34% of premium
$6,319 or
$8,139 (spouse)

*(Note: I researched over 20 districts, and while all the numbers are remarkably consistent with these findings, I only chose to include those districts that actually have their contracts posted online so that readers know the data is 100% accurate.)