Dina and Amy head to the hospital to deliver their children, but it turns out that Amy’s insurance isn’t accepted at the hospital they’ve shown up to, but Dina’s health insurance is accepted. Both work at Cloud 9, but managerial health insurance provides more benefits than other employees. This differencing of employee benefits contributes to inequality between white- and blue-collar workers.
Mateo has an ear infection and can’t afford to see a doctor because of their high deductible health plan. Since this is common in the store, Amy sets up a fake charity to help raise funds for Mateo to pay for a doctor’s visit. Jonah thinks this is preposterous and tries to setup a savings club that employees can use when they need it. After realizing how many pre-existing conditions his coworkers have, they realize that the $20 membership fee isn’t enough to cover all of their issues. These scenes serve as a good example of adverse selection since the sickest employees are more likely to sign up for the program since their healthcare costs outweigh the membership fee.
Mateo comes down with an ear infection and Jonah comes up with an idea to create a store insurance policy. Originally, the store raised money for medical bills by putting a donation jar out for customers to donate spare change. When Jonah realizes that takes a lot of work, he proposes creating a pool of funds from the employees and have them contribute monthly to cover someone’s bills. Unfortunately, he’s created a semi-pyramid scheme that requires individuals to donate money to help one individual.
When Mateo gets sick, Jonah comes up with an insurance fund to help cover employee medical bills because the store does not offer health insurance. The team members join the plan because it only costs $20 each month, but Jonah has promised to pay previous medical bills. Jonah and Amy quickly find out each team member, especially Sandra, has a lot of pre-existing conditions and they realize that they can’t cover everyone’s costs at one time. The two try to break the two groups apart, but the members in the pre-existing condition group will have to pay significantly more to cover all their costs.