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
1964: Mississippi Freedom Democratic Party was formed
April 26, 1964

Civil rights activists started the Mississippi Freedom Democratic Party to challenge the state’s all-white regular delegation to the Democratic National Convention.
The regulars had already adopted this resolution: “We oppose, condemn and deplore the Civil Rights Act of 1964 … We believe in separation of the races in all phases of our society. It is our belief that the separation of the races is necessary for the peace and tranquility of all the people of Mississippi, and the continuing good relationship which has existed over the years.”
In reality, Black Mississippians had been victims of intimidation, harassment and violence for daring to try and vote as well as laws passed to disenfranchise them. As a result, by 1964, only 6% of Black Mississippians were permitted to vote. A year earlier, activists had run a mock election in which thousands of Black Mississippians showed they would vote if given an opportunity.
In August 1964, the Freedom Party decided to challenge the all-white delegation, saying they had been illegally elected in a segregated process and had no intention of supporting President Lyndon B. Johnson in the November election.
The prediction proved true, with white Mississippi Democrats overwhelmingly supporting Republican candidate Barry Goldwater, who opposed the Civil Rights Act. While the activists fell short of replacing the regulars, their courageous stand led to changes in both parties.
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
Mississippi Today
Mississippi River flooding Vicksburg, expected to crest on Monday
Warren County Emergency Management Director John Elfer said Friday floodwaters from the Mississippi River, which have reached homes in and around Vicksburg, will likely persist until early May. Elfer estimated there areabout 15 to 20 roads underwater in the area.
“We’re about half a foot (on the river gauge) from a major flood,” he said. “But we don’t think it’s going to be like in 2011, so we can kind of manage this.”
The National Weather projects the river to crest at 49.5 feet on Monday, making it the highest peak at the Vicksburg gauge since 2020. Elfer said some residents in north Vicksburg — including at the Ford Subdivision as well as near Chickasaw Road and Hutson Street — are having to take boats to get home, adding that those who live on the unprotected side of the levee are generally prepared for flooding.



“There are a few (inundated homes), but we’ve mitigated a lot of them,” he said. “Some of the structures have been torn down or raised. There are a few people that still live on the wet side of the levee, but they kind of know what to expect. So we’re not too concerned with that.”
The river first reached flood stage in the city — 43 feet — on April 14. State officials closed Highway 465, which connects the Eagle Lake community just north of Vicksburg to Highway 61, last Friday.

Elfer said the areas impacted are mostly residential and he didn’t believe any businesses have been affected, emphasizing that downtown Vicksburg is still safe for visitors. He said Warren County has worked with the U.S. Army Corps of Engineers and the Mississippi Emergency Management Agency to secure pumps and barriers.
“Everybody thus far has been very cooperative,” he said. “We continue to tell people stay out of the flood areas, don’t drive around barricades and don’t drive around road close signs. Not only is it illegal, it’s dangerous.”
NWS projects the river to stay at flood stage in Vicksburg until May 6. The river reached its record crest of 57.1 feet in 2011.




This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
Mississippi Today
With domestic violence law, victims ‘will be a number with a purpose,’ mother says
Joslin Napier. Carlos Collins. Bailey Mae Reed.
They are among Mississippi domestic violence homicide victims whose family members carried their photos as the governor signed a bill that will establish a board to study such deaths and how to prevent them.
Tara Gandy, who lost her daughter Napier in Waynesboro in 2022, said it’s a moment she plans to tell her 5-year-old grandson about when he is old enough. Napier’s presence, in spirit, at the bill signing can be another way for her grandson to feel proud of his mother.
“(The board) will allow for my daughter and those who have already lost their lives to domestic violence … to no longer be just a number,” Gandy said. “They will be a number with a purpose.”
Family members at the April 15 private bill signing included Ashla Hudson, whose son Collins, died last year in Jackson. Grandparents Mary and Charles Reed and brother Colby Kernell attended the event in honor of Bailey Mae Reed, who died in Oxford in 2023.
Joining them were staff and board members from the Mississippi Coalition Against Domestic Violence, the statewide group that supports shelters and advocated for the passage of Senate Bill 2886 to form a Domestic Violence Facility Review Board.
The law will go into effect July 1, and the coalition hopes to partner with elected officials who will make recommendations for members to serve on the board. The coalition wants to see appointees who have frontline experience with domestic violence survivors, said Luis Montgomery, public policy specialist for the coalition.
A spokesperson from Gov. Tate Reeves’ office did not respond to a request for comment Friday.
Establishment of the board would make Mississippi the 45th state to review domestic violence fatalities.
Montgomery has worked on passing a review board bill since December 2023. After an unsuccessful effort in 2024, the coalition worked to build support and educate people about the need for such a board.
In the recent legislative session, there were House and Senate versions of the bill that unanimously passed their respective chambers. Authors of the bills are from both political parties.
The review board is tasked with reviewing a variety of documents to learn about the lead up and circumstances in which people died in domestic violence-related fatalities, near fatalities and suicides – records that can include police records, court documents, medical records and more.
From each review, trends will emerge and that information can be used for the board to make recommendations to lawmakers about how to prevent domestic violence deaths.
“This is coming at a really great time because we can really get proactive,” Montgomery said.
Without a board and data collection, advocates say it is difficult to know how many people have died or been injured in domestic-violence related incidents.
A Mississippi Today analysis found at least 300 people, including victims, abusers and collateral victims, died from domestic violence between 2020 and 2024. That analysis came from reviewing local news stories, the Gun Violence Archive, the National Gun Violence Memorial, law enforcement reports and court documents.
Some recent cases the board could review are the deaths of Collins, Napier and Reed.
In court records, prosecutors wrote that Napier, 24, faced increased violence after ending a relationship with Chance Fabian Jones. She took action, including purchasing a firearm and filing for a protective order against Jones.
Jones’s trial is set for May 12 in Wayne County. His indictment for capital murder came on the first anniversary of her death, according to court records.
Collins, 25, worked as a nurse and was from Yazoo City. His ex-boyfriend Marcus Johnson has been indicted for capital murder and shooting into Collins’ apartment. Family members say Collins had filed several restraining orders against Johnson.
Johnson was denied bond and remains in jail. His trial is scheduled for July 28 in Hinds County.
He was a Jackson police officer for eight months in 2013. Johnson was separated from the department pending disciplinary action leading up to immediate termination, but he resigned before he was fired, Jackson police confirmed to local media.
Reed, 21, was born and raised in Michigan and moved to Water Valley to live with her grandparents and help care for her cousin, according to her obituary.
Kylan Jacques Phillips was charged with first degree murder for beating Reed, according to court records. In February, the court ordered him to undergo a mental evaluation to determine if he is competent to stand trial, according to court documents.
At the bill signing, Gandy said it was bittersweet and an honor to meet the families of other domestic violence homicide victims.
“We were there knowing we are not alone, we can travel this road together and hopefully find ways to prevent and bring more awareness about domestic violence,” she said.
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
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