Teachers Health Trust highlights dependent coverage crisis to Nevada Assembly

Educators in Nevada may soon see relief from the financial burden of dependent health care coverage, following a compelling presentation by Tom Zemtobel, CEO of the Teachers Health Trust, during the Assembly Committee on Government Affairs meeting on May 8, 2025. Zemtobel highlighted the pressing issue of rising health care costs, which he argued significantly hinder the recruitment and retention of teachers across the state.

Zemtobel emphasized that the high cost of dependent coverage not only affects educators but also their families and the communities they serve. He pointed out that many teachers, particularly those in rural and underserved areas, face financial strain that can lead to high turnover rates, disrupting essential community support systems. With 74% of educators being female and a notable percentage of them being of maternity age, the implications of these costs are particularly acute.

During his presentation, Zemtobel shared data indicating that a typical educator earning an average salary of $55,000 could spend up to 22% of their net income on dependent health care premiums. For those with larger families, the financial pressure intensifies, with some educators facing monthly expenses that exceed their gross income. This situation forces many to seek additional sources of income, further complicating their ability to focus on teaching.

Zemtobel urged the committee to support Senate Bill 410, which aims to encourage school districts to adopt policies that address the costs of dependent coverage. He provided examples from other districts, such as Denver and Miami Dade, which have implemented various models to alleviate these financial burdens. These models include contributions to dependent health care premiums and adjustments based on family size, demonstrating a commitment to equity among educators.

The discussion underscored the need for Nevada's school districts to recognize the impact of dependent coverage on their recruitment and retention challenges. As the committee considers the implications of Senate Bill 410, the potential for policy changes could lead to a more sustainable and supportive environment for educators, ultimately benefiting students and communities across the state.