You've Asked, We Answered - Open Enrollment quarterly newsletter Get the answers to your questions in this month's newsletter. ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ View this email in your browser A QUARTERLY UPDATE ON HOW WE ARE Powering MissionsYou Asked: What’s the deal with benefit costs increasing?Many employers are dealing with the negotations of open enrollment with their insurance provider - nonprofits included. With the Affordable Care Act being under constant attack, and the government budget only extended until January, many are figuring out their best plans. Considerations include:Premiums could skyrocket, and some employees might lose insurance altogether.That means more financial stress and health insecurity for staff.It also makes retention and recruitment even tougher in a sector already stretched thin.Add in rising health care costs (Colorado marketplace premiums could double) and the extra admin work of managing benefits, and nonprofits are under serious pressure. For small organizations, these tasks often land on the executive director’s plate—pulling focus from mission-critical work.Bottom line: these changes don’t just affect nonprofit employees—they ripple out to the communities we serve. When staff stability and well-being suffer, services can falter, and vulnerable populations pay the price.We Answered: Nonprofits aren’t powerless here. There are smart ways to manage rising health care costs and prepare for potential ACA changes:Join Insurance Pools or Association Plans Team up with other nonprofits to boost bargaining power and lower premiums.Use Fiscal SponsorshipSmaller orgs can partner with a larger sponsor to access group health plans and admin support.Consider HRAs or PEOsHealth Reimbursement Arrangements let you reimburse staff tax-free for individual coverage; Professional Employer Organizations share HR and benefits services.Advocate for Policy Solutions Join coalitions, educate policymakers, and push for state-level protections to keep coverage affordable.These strategies help nonprofits protect staff well-being, keep retention strong, and sustain critical services—even in uncertain times. CNDC expertiseCNDC’s Model A Fiscal Sponsorship is a game-changer. It gives nonprofits access to quality employee benefits while cutting down on administrative headaches.Here’s what we offer:Better Rates & ValueAs a large employer—87 partner projects, 103 employees, plus 16 at CNDC—we negotiate competitive packages. Our plans aren’t bargain-basement, but they deliver excellent care and real value for your team.Full AccessHealth, dental, vision, life insurance, and long-term disability—all in one place.Less HassleWe handle open enrollment, compliance, and rate negotiations so you can stay focused on your mission.HR ExpertiseNeed help with a claim or onboarding? Our team brings 67 years of combined HR experience to support you every step of the way.OPEN ENROLLMENT for CNDC is May, providing more time to see what happens in DC, and how insurance providers will respond.P.S. Take a moment to learn more about the individuals behind our efforts and their commitment to supporting and empowering our partner projects.GET IN TOUCH By the Numbers87 partner projects103 employees, 16 working at CNDC, 2 HR staff51 insured67 years of HR experience at CNDCEvents SAVE THE DATE: CNDC Annual Partner Appreciation Event Wednesday, April 29, 2026 | 4:00 to 6:00 pm The Colorado Health Foundation, Denver Powering MissionsCNDC has been a trusted strategic business partner to Colorado nonprofits since 2000 - providing mission-driven leaders with financial and administrative expertise, services, and supports so they can focus on making an impact in Colorado. Copyright (C) 2025 Colorado Nonprofit Development Center. All rights reserved.Our mailing address is:Want to change how you receive these emails?You can update your preferences or unsubscribe
