Mississippi Today
State insurance premium hike blunts teacher pay raise
State insurance premium hike blunts teacher pay raise
Athena Lindsey, a teacher and policy fellow with Teach Plus Mississippi, repeatedly heard the same concern when surveying teachers in the lead-up to the historic 2022 teacher pay raise: “Every time you see a pay increase, the insurance premiums always go up, so you never really get to feel the actual pay raise.”
Insurance premiums for public employees rose 6% on Jan. 1 of this year, the fifth consecutive year with an increase. The report of the Teach Plus Mississippi survey showed lower insurance premiums as the third highest policy priority for teachers, behind two related to pay increases.
“A lot of them in the survey said that they had second jobs just for that reason, because the insurance plans were ridiculous,” said Lindsey.
The average teacher salary in Mississippi is $53,000, which drops to $40,990 after taxes and retirement contributions, according to calculations by Mississippi First. Premiums for individuals on the plan make up 1% of their take home pay, but 25% for employees with their family on the state insurance. After premiums, take home pay for employees with their family on the plan drops to $30,910.
Five teachers interviewed by Mississippi Today expressed growing frustration with the rising costs and falling benefit quality. State officials say these changes were made to counter rising health insurance costs that are causing financial deficits, with the reserves of the state plan dropping $119 million over the past nine years. Legislators say they are looking to address this problem next session.
The state health plan served nearly 194,000 state employees and their dependents in 2021, the most recent year for which there is data. Most people opt for the “Select” plan with more benefits, but the number of people on that plan has been slowly falling since 2016.
Premium costs have remained largely unchanged for individuals on the single-employee plan, but people whose families also receive insurance through the state plan have seen more significant increases.
Per state law, the state contributes 100% of the premium cost for basic coverage for employees. Employees pay between $20-46 monthly for individual coverage if they opt for the plan with more benefits. The state does not contribute to premium costs for children and spouses, making family coverage significantly more expensive. Prices range between $124 and $840 a month, and vary based on the number of dependents and quality of coverage.
Mississippi is one of two states in the Southeast that doesn’t pay any extra towards premiums for family coverage, according to figures compiled by the Mississippi Department of Finance and Administration that were presented at a 2021 hearing. Rep. Kent McCarty, R-Hattiesburg, introduced a bill this session for the state to pay 50% of dependent premiums, but it died in committee.
“A lot of jobs are offering coverage for dependents already, and a lot of times teachers leave to take those jobs, so we thought this could be a way to make the teaching profession more competitive with others and keep teachers in the classroom,” he said.
A recent report published by Mississippi First studied why teachers are leaving the classroom. In it’s survey, 42% said they could not afford deductibles, premiums, or other health care costs not covered by insurance, and financial insecurity was closely linked with risk of leaving the classroom.
“Any improvement in this area, whether that is reducing cost for teachers or improving the quality of the plan, is all going to necessitate more resources from the state,” said Toren Ballard, K-12 policy director for Mississippi First.
This gap between individual and family premiums is common in the teaching profession. According to a 2020 report published by the Southern Regional Education Board, teachers pay an average of $200 less in monthly premiums for single plans than private sector employees, but an average of $257 more in premiums for family plans.
Megan Boren, project manager with the board, said her study of teacher compensation found most states in the Southeast have work to do because of the sizable cost gap between single and family coverage. Boren said she would not single out Mississippi as struggling in this area, but pointed to Alabama, Virginia, and Florida as exemplar states that have successfully kept costs down for employees.
“A lot of this is just tied to how health insurance is set up, and there’s not a lot of wiggle room or great strategies that an employer, government or otherwise, can take on these pieces,” Boren said. “Our hands are quite tied because of the way health insurance is structured in this country and some of the general policies around that.”
A bill moving through the Legislature this session would study the state health insurance system and make recommendations for legislation to be proposed in 2024. The task force, proposed by Senate Education Committee Chairman Dennis DeBar, R-Leaksville, would focus on the financial solvency of the plan, rate increases, benefits and comparisons to other Southeastern states.
“I just want to see a deep dive into why expenses keep going up and up,” DeBar said. “I don’t want insurance (costs) to be a deterrent to getting insurance and doing yearly check-ups, because on the back end, medical conditions may be worse off if people don’t treat them.”
Some teachers share his concern that current rates are discouraging employees from seeking preventive care.
“I get that if you have a catastrophic year, it’s there for you, but this should be so much more in a state that is so unhealthy,” said Jason Reid, a teacher in the DeSoto County School District.
Reid, a two-time cancer patient, has hit his out-of-pocket maximum with both diagnoses and experienced the safety net that the plan can provide, but said that because of rising costs, most of his colleagues feel like they never see a benefit. Reid added the insurance plan usually isn’t stopping people from becoming teachers, but that it is driving them away.
Advocates say a lack of investment from the state is also driving away other state employees. Brenda Scott, the president of the Mississippi Alliance of State Employees, said teachers got a “decent” raise last year, but that for other state workers, raises are “very rare.”
Scott said she would like to see raises for state employees to make it easier for them to afford premium increases when they come along, or for the state to expand Medicaid to give employees more coverage options.
READ MORE: Q&A: What is Medicaid expansion, really?
“They’re not expanding Medicaid, which is meant to cover the working poor,” she said. “There’s a lot of state employees who would fit into that category.”
Adding to frustration with the insurance premium increase are other changes to the plan.
Multiple teachers expressed frustration with the declining quality of prescription drug coverage since the switch from Prime Therapeutics to CVS Caremark, a change that state officials said was made to save money on rising healthcare costs.
Renee Webber-Butler, a teacher in the Perry County School District, was informed after the switch that the ADHD medicine her 16-year-old son takes would no longer be covered. He had tried multiple medications and had negative side effects with some before finding success with Vyvanse, the medicine that was no longer being covered.
“I explained to him what was going on, and he said, ‘Mom, I’m not going to have to take that medicine where I’m mean and angry am I?’” Webber-Butler said. “How do you look at your kid and say, ‘Well, son, I’m sorry but … on educator salaries, we can’t (pay out of pocket.)’”
She said they found another medicine for him that will be covered, but called it “ridiculous” that her son has been on three different medicines in six months.
Cindy Bradshaw, the administrator of the state health insurance plan, said the switch to CVS Caremark, as well as the deductible and premium increases in recent years, are adjustments to balance the finances of the health insurance plan. The plan has been spending more on care than premiums could cover every year since 2016, which has significantly decreased the surplus reserves of the plan. The surplus was $247 million in 2012 and had dwindled to $64 million by the end of 2021, according to the plan’s actuarial report for 2021.
During the 2022 legislative session, the state health insurance plan was given $60 million in American Rescue Plan funds, and a bill has passed out of committee to give the plan another $30 million in federal pandemic relief funds this session.
When discussing the incremental actions of the state board that manages the health insurance plan, Bradshaw said, “We’re trying to softly land a plane instead of having a big crash.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons license.
Mississippi Today
UMMC hospital madison county
The University of Mississippi Medical Center has acquired Canton-based Merit Health Madison and is preparing to move a pediatric clinic to Madison, continuing a trend of moving services to Jackson’s suburbs.
The 67-bed hospital, now called UMMC Madison, will provide a wide range of community hospital services, including emergency services, medical-surgical care, intensive care, cardiology, neurology, general surgery and radiology services. It also will serve as a training site for medical students, and it plans to offer OB-GYN care in the future.
“As Mississippi’s only academic medical center, we must continue to be focused on our three-part mission to educate the next generation of health care providers, conduct impactful research and deliver accessible high-quality health care,” Dr. LouAnn Woodward, UMMC’s vice chancellor of health affairs, said in a statement. “Every decision we make is rooted in our mission.”
The new facility will help address space constraints at the medical center’s main campus in Jackson by freeing up hospital beds, imaging services and operating areas, said Dr. Alan Jones, associate vice chancellor for health affairs.
UMMC physicians have performed surgeries and other procedures at the hospital in Madison since 2019. UMMC became the full owner of the hospital May 1 after purchasing it from Franklin, Tennessee-based Community Health Systems.
The Batson Kids Clinic, which offers pediatric primary care, will move to the former Mississippi Center for Advanced Medicine location in Madison. This space will allow the medical center to offer pediatric primary care and specialty services and resolve space issues that prevent the clinic from adding new providers, according to Institutions of Higher Learning board minutes.
A UMMC spokesperson did not respond to questions about the services that will be offered at the clinic or when it will begin accepting patients.
The Mississippi Center for Advanced Medicine, a pediatric subspecialty clinic, closed last year as a result of a settlement in a seven-year legal battle between the clinic and UMMC in a federal trade secrets lawsuit.
The changes come after the opening of UMMC’s Colony Park South clinic in Ridgeland in February. The clinic offers a range of specialty outpatient services, including surgical services. Another Ridgeland UMMC clinic, Colony Park North, will open in 2026.
The expansion of UMMC clinical services to Madison County has been criticized by state lawmakers and Jackson city leaders. The medical center does not need state approval to open new educational facilities. Critics say UMMC has used this exemption to locate facilities in wealthier, whiter neighborhoods outside Jackson while reducing services in the city.
UMMC did not respond to a request for comment about its movement of services to Madison County.
UMMC began removing clinical services this year from Jackson Medical Mall, which is in a majority-Black neighborhood with a high poverty rate. The medical center plans to reduce its square footage at the mall by about 75% in the next year.
The movement of health care services from Jackson to the suburbs is a “very troubling trend” that will make it more difficult for Jackson residents to access care, Democratic state Sen. John Horhn, who will become Jackson’s mayor July 1, previously told Mississippi Today.
Lawmakers sought to rein in UMMC’s expansion outside Jackson this year by passing a bill that would require the medical center to receive state approval before opening new educational medical facilities in areas other than the vicinity of its main campus and Jackson Medical Mall. Republican Gov. Tate Reeves vetoed the legislation, saying he opposed an unrelated provision in the bill.
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
The post UMMC hospital madison county appeared first on mississippitoday.org
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Center-Left
The article presents a primarily factual report on UMMC’s expansion into Madison County, outlining the medical center’s services and strategic decisions while including critiques from Democratic leaders and local officials about the suburban shift. The inclusion of concerns over equity and access—highlighting that the expansion is occurring in wealthier, whiter suburbs at the expense of services in majority-Black, poorer neighborhoods—leans the piece toward a center-left perspective, emphasizing social justice and community impact. However, the article maintains a measured tone by presenting statements from UMMC representatives and government officials without overt editorializing, thus keeping the overall coverage grounded in balanced reporting with a slight progressive framing.
Mississippi Today
Rita Brent, Q Parker headline ‘Medgar at 100’ Concert
Nationally known comedian Rita Brent will host the Medgar & Myrlie Evers Institute’s “Medgar at 100” Concert on June 28.
Tickets go on sale Saturday, June 14, and can be ordered on the institute’s website.
The concert will take place at the Jackson Convention Complex and is the capstone event of the “Medgar at 100” Celebration. Organizers are calling the event “a cultural tribute and concert honoring the enduring legacy of Medgar Wiley Evers.”
“My father believed in the power of people coming together — not just in protest, but in joy and purpose, and my mother and father loved music,” said Reena Evers-Everette, executive director of the institute. “This evening is about honoring his legacy with soul, celebration, and a shared commitment to carry his work forward. Through music and unity, we are creating space for remembrance, resilience, and the rising voices of a new generation.”
In addition to Brent, other featured performers include: actress, comedian and singer Tisha Campbell; soul R&B powerhouse Leela James; and Grammy award-winning artist, actor, entrepreneur and philanthropist Q Parker and Friends.
Organizers said the concert is also “a call to action — a gathering rooted in remembrance, resistance, and renewal.”
Proceeds from the event will go to support the Medgar & Myrlie Evers Institute’s mission to “advance civic engagement, develop youth leadership, and continue the fight for justice in Mississippi and beyond.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
The post Rita Brent, Q Parker headline 'Medgar at 100' Concert appeared first on mississippitoday.org
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Centrist
This article presents a straightforward, factual report on the upcoming “Medgar at 100” concert honoring civil rights leader Medgar Wiley Evers. The tone is respectful and celebratory, focusing on the event’s cultural and community significance without expressing a political stance or ideological bias. It quotes organizers and highlights performers while emphasizing themes of remembrance, unity, and justice. The coverage remains neutral by reporting the event details and mission of the Medgar & Myrlie Evers Institute without editorializing or promoting a specific political viewpoint. Overall, it maintains balanced and informative reporting.
Mississippi Today
Future uncertain for residents of abandoned south Jackson apartment complex
Residents at Chapel Ridge Apartments in Jackson are left wondering what to do next after months dealing with trash pileups, property theft and the possibility of water shutoffs due to the property owner skipping out on the bill.
On Sunday, Ward 5 Councilman Vernon Hartley, city attorney Drew Martin and code enforcement officers discussed next steps for the complex, which, since April 30, has been without a property manager.
“How are you all cracking down on other possible fraudulent property managers around Jackson?” one woman asked Martin.
“ We don’t know they’re there until we know they’re there, and I know that’s a terrible answer, but I don’t personally have another one I’m aware of right now,” Martin said. “These individuals don’t seem to have owned another apartment complex in the Metro Jackson area, despite owning a whole bunch nationwide.”
Back in April, a letter was left on the door of the leasing office advising residents to not make rental payments until a new property manager arrives. The previous property managers are Lynd Management Group, a company based in San Antonio, Texas.
The complex has been under increased scrutiny after Chapel Ridge Apartments lost its solid waste contract mid-March due to months of nonpayment. The removal of dumpsters led to a portion of the parking lot turning into a dumping site, an influx of rodents and gnats, and an investigation by the Mississippi Department of Environmental Quality. Local leaders pitched in to help remedy the situation, and in May, Waste Management provided two dumpsters for the complex.
However, the problems persisted. In May, JXN Water released the names of 15 apartment complexes that owe more than $100,000 in unpaid water fees. Chapel Ridge was on the list. JXN Water spokesperson Aisha Carson said via email that they are “pursuing legal options to address these large-scale delinquencies across several properties.”
“While no shutoffs are imminent at this time, we are evaluating each case based on legal feasibility and the need to balance enforcement with tenant protections. Our focus is on transparency and accountability, not disruption—but we will act when needed to ensure the integrity of the system,” Carson said.
And earlier this week, Chapel Ridge Apartments was declared a public nuisance. Martin said this gives the city of Jackson “the authority to come in, mow the grass and board up any of the units where people aren’t living.”
Martin said the situation is complicated, because the complex is owned by Chapel Ridge Apartments LLC. The limited liability corporation is owned by CRBM Realty Inc. and Crown Capital Holdings LLC, which are ultimately owned by Moshe “Mark” Silber. In April, Silber was sentenced to 30 months in prison for conspiracy to commit wire fraud affecting a financial institution. Earlier this month, both companies filed for bankruptcy in New Jersey.
Now, Martin said the main goal is to find someone who can manage the property.
“Somebody’s got to be able to collect rent from you,” Martin said. “They got to be able to pay the water. They got to be able to pay the garbage. They got to be able to pay for the lights to be on. They got to maintain the property, so that’s our goal is to put that in place.”
Chapel Ridge offers a rent scale based on household income. Those earning under 50% of the area median income — between $21,800 and $36,150 depending on household size — for example, pay $480 for a two-bedroom and $539 for a three-bedroom unit. Rent increases between $20 and $40 for those earning under 60% of the area median income.
Valarie Banks said that when she moved into Chapel Ridge nearly 13 years ago, it was a great community. The disabled mother and grandmother moved from West Jackson to the complex because it was neatly kept and quiet.
“It was beautiful. I saw a lot of kids out playing. There were people that were engaging you when you came out. They were eager to help,” Banks said. “ I hope that they could bring this place back to the way it once was.”
But after months of uncertainty, Banks is preparing to move. She said she’s not the only one.
“I have somewhere to go, but I’m just trying to get my money together so I can be able to handle the deposits and the bills that come after you move,” she said. “All of my doctors are around here close to me. In 12 years, I made this place home for me. … I’ve been stacking my rent, but it’s still not enough if I want to move this month.”
While she said she’s holding onto her rent payments for the time being, she realizes that many of her fellow residents may not be as lucky. Without someone to maintain the apartments, some residents are finding themselves without basic amenities.
“Some people are in dire straits, because they don’t have a stove or a fridge or the air conditioner,” she said. “Their stove went out, or the fridge went out, or they stole the air conditioner while you’re in the apartment.”
Banks isn’t the only one who is formulating a plan to leave. One woman, who asked to remain anonymous, said she’s been trying to save money to move, but she already has $354 wrapped up in a money order that she’s unable to pass off for her rent, due to the property manager’s recent departure.
“It really feels like an abandonment and just stressful to live where I’m living at right now. This just doesn’t happen. It just feels stressful. It doesn’t feel good at all,” she said.
She’s trying to remain optimistic, but as each day passes without someone to maintain the property, she’s losing hope.
“ I just hope that things get better some day, somehow, hopefully, because if not, more than likely I’m going to have to leave because I can only take so much,” she said. “I can’t continue to deal with this situation of hoping and wishing somebody comes, and they don’t.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
The post Future uncertain for residents of abandoned south Jackson apartment complex appeared first on mississippitoday.org
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Center-Left
This article from *Mississippi Today* primarily focuses on the struggles of low-income residents at Chapel Ridge Apartments, emphasizing the human impact of property mismanagement, regulatory gaps, and systemic neglect. The piece maintains a factual tone, but it centers the voices of vulnerable tenants and local officials seeking accountability—hallmarks of a center-left perspective. While it does not overtly advocate for policy change, the narrative framing highlights social injustice and institutional failures, subtly aligning with progressive concerns about housing equity and corporate responsibility.
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