Union Health Plan Provides Much-Needed Safety Net

Americans don’t save enough - in 2005, Americans’ personal savings rate was negative for the first time since the Great Depression ─ instead of piling up savings, we are piling up debt. Two behavioral economics columns on how switching signup for a 401K plan from opt-in (say yes to be enrolled) to opt-out (say no to be un-enrolled) dramatically raises enrollment rates.

The minimum wage issue has been debated endlessly, with arguments both for and against its effectiveness. An increase, tested in some states and enacted in others, immeasurably betters the quality of life for low-income families.

In prison, most inmates are alienated from social practices and can be a tax burden for the states. The Colorado Correctional Industries is a program that positions inmates in different forms of labor such as making stuffed toys, farming fish, picking fruit, tending livestock, and creating crafts to be sold at grocery stores. The program makes inmates into taxpayers instead of tax burdens and offers skills that are useful for future employment once they leave prison.

America’s system of health care is based on an old industrial-era model, without taking into account a decentralized, mobile, independent workforce that remains largely unprotected without health and unemployment insurance. The Freelancers Insurance Company, based in New York State, offers competitive premiums by having their executives receive salaries at low wages. The model keeps costs under control, which in turn makes health care more accessible to independent workers.

In just the next couple of decades, the World Bank says, farmers across Africa could lose more than half their cropland to drought and heat - the issue is considered so pressing that, a few years ago, Malawi's Department of Meteorological Services added "Climate Change" to its name. A new aid group group now works with farmers in more than 60 villages — with plans to expand — helping them become more resilient to a changing climate.

Companies who outsource often fuel the race to the bottom for global workers' standards. Two companies, Digital Divide Data and Samasource, offer a model for outsourcing which is profitable and also prioritizes social impact.

After years of banning labor unions in Bangladesh, garment workers unionized to fight for higher wages and safer working conditions. For women, this isn't traditionally a space they were welcomed in, but now they’re holding their own meetings to ensure women’s safety is ensured on the job.

Throughout India, wastepickers – people who scour landfills for garbage they can sell to recyclers – live at the bottom of society. But the city of Pune did something radical: with the help of a collective, they did away with expensive garbage trucks, and now all household garbage is collected by wastepickers with pushcarts. Pune saves millions of dollars each year and recycles more – and the wastepickers have decent wages and social standing. The concept is now spreading globally.

In many parts of the world, not owning one's own land is more directly correlated to poverty than other factors such as illiteracy, but land reform is controversial, difficult, and expensive. A new program called Landesa is having success in India through a non-confiscatory model that gives families tennis-court size plots.

Many independent workers feel that the battle for affordable health insurance is one they are losing. The Freelancers Union is working to provide protections for “contingent” workers that go beyond just health care.