Danielle Waterfield was fired, rehired and fired once more from her job at CHIPS for America, a part of the Division of Commerce. Now, she fears her medical health insurance was reduce off weeks in the past, despite the fact that she was instructed in any other case.
Andrea Hsu/NPR
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Andrea Hsu/NPR
Danielle Waterfield was already coping with the shock and disappointment of being fired from a job she liked.
An lawyer recruited to the Commerce Division’s CHIPS for America program in 2023, Waterfield had felt she was a part of one thing monumental, one thing that may transfer the nation ahead: rebuilding America’s semiconductor trade.
As an alternative, practically two months after being fired within the Trump administration’s purge of newer — or “probationary” — federal workers, Waterfield is enmeshed in a bureaucratic mess over her well being care protection. It is a mess that is left her fearing her total household could now be uninsured.
“I have been within the non-public sector. I’ve gone by way of layoffs,” says Waterfield. “I’ve by no means earlier than skilled this, and by no means for the lifetime of me thought the federal authorities would deal with individuals like that.”
Good well being advantages a perk of federal jobs
Stable advantages have lengthy been seen as a perk of federal jobs, a tradeoff for decrease pay. Consequently, many federal workers carry their households on their medical health insurance plans.
However now, the administration’s “break first, ask questions later” method to remaking the federal paperwork has introduced a degree of chaos to the federal government that employees like Waterfield have by no means seen wherever, even within the non-public sector.
President Trump delivers remarks on reciprocal tariffs as Secretary of Commerce Howard Lutnick holds a chart throughout an occasion within the Rose Backyard entitled “Make America Rich Once more” on the White Home in Washington, D.C., on April 2, 2025.
Brendan Smialowski/AFP through Getty Photographs
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Brendan Smialowski/AFP through Getty Photographs
Firings have been carried out with such haste that human useful resource departments have struggled to reply a primary query from these affected: Do we’ve got medical health insurance?
Fired workers determined for info have as an alternative been given responses which might be complicated, conflicting and at instances, flat out mistaken. Furthermore, a lot of that info has come too late. Some worry they’ve racked up medical payments that won’t be reimbursed, whereas others are avoiding medical care till they’ll get new insurance coverage.
The Commerce Division didn’t reply to NPR’s a number of requests for remark in regards to the fired workers’ well being care protection. The U.S. Workplace of Personnel Administration, which handles many human useful resource capabilities for the federal authorities, solely offered basic details about federal advantages however didn’t handle particular questions.
How Waterfield and probably a whole lot of others just lately fired from the Commerce Division ended up on this scenario takes some explaining. The data vacuum that workers have encountered amid a authorized battle over their firings has actually compounded the chaos.
March 3: The unique termination
In courtroom filings, the Commerce Division confirmed it fired near 800 probationary workers between President Trump’s inauguration on Jan. 20 and March 3.
Waterfield’s termination letter got here March 3. Instantly, she realized she wanted to determine medical health insurance for her household. Her husband and two kids had been on her well being plan.
The Commerce Division despatched her a memo explaining the federal authorities’s advantages coverage for separated workers: The federal government would offer a 31-day extension of her medical health insurance following her final pay interval. She would owe no extra premiums. After that, she would have 60 days to choose into federal workers’ equal of COBRA to proceed her well being advantages.
As an alternative, Waterfield began trying into change the household to the plan her husband’s employer supplied, an possibility she was grateful to have. However she could not do this till she might show a “qualifying life occasion” — in her case, a lack of medical health insurance as a consequence of being fired.
After which, 10 days later got here a brand new twist.
March 17: Reinstatement
Ten days after Waterfield was terminated, a federal choose in Maryland discovered that her firing and that of greater than 24,000 different probationary workers focused by the Trump administration had been in all probability unlawful. He ordered them briefly reinstated, restoring the established order.
To adjust to the choose’s order, the Commerce Division reinstated practically the entire fired workers on March 17, placing them on paid administrative depart.
Waterfield assumed a return to the established order would imply her advantages can be restored. She was nonetheless paying her insurance coverage premium by way of her paycheck, however she wished affirmation. She requested human assets however heard nothing again. She despatched her reinstatement letter to Blue Cross Blue Defend and felt reassured when she acquired a response informing her she’d don’t have any break in protection.
“Inside per week, I had new insurance coverage playing cards despatched to my total household,” she says.
Figuring out that the Trump administration was interesting the choose’s order and that she may very well be fired once more at any second, she took swift motion to make sure her household’s wellbeing. She moved up a bunch of medical appointments, together with a routine checkup for her teenager, a diabetes appointment for her husband, and her personal bodily remedy to deal with a spinal concern.
“Medical doctors have been very, very supportive,” she says. “They rescheduled issues and acquired us in.”
April 10: Terminated once more
Then on April 10 got here the notification Waterfield had dreaded. A day earlier, a panel of judges on the 4th Circuit Courtroom of Appeals had discovered fault with the decrease courtroom’s reinstatement order, and voided it.
Now, the Commerce Division was firing her as soon as once more, retroactive to her unique termination date. This time, there was no accompanying memo about advantages. Once more, inquiries to human assets went unanswered.
Waterfield logged on to her insurance coverage portal and noticed no change in standing. Her paystubs nonetheless confirmed that her well being care premium was being taken out of her paycheck. She saved the household’s docs appointments till this week, when her group chats lit up with frantic textual content messages.
A few her colleagues had simply heard from their insurers that their protection did certainly finish on April 8, according to what the Commerce Division had instructed them earlier than the entire authorized saga started. Consequently, claims for bills incurred after that may not be paid.
Protesters collect on the Nationwide Mall for the “Fingers-Off” protest in opposition to the Trump administration on Saturday, April 5, 2025.
Dominic Gwinn/AFP through Getty
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Dominic Gwinn/AFP through Getty
“I am afraid to name my insurance coverage firm”
NPR has since realized that fired workers at one other company inside the Commerce Division, the Nationwide Oceanic and Atmospheric Administration, obtained a memo from the federal government on April 17 confirming the April 8 insurance coverage cutoff — a full week after they had been re-fired. That is even though a few of these workers had obtained verbal and even written assurances from supervisors that their protection would proceed uninterrupted. Now they do not know what to imagine.
“I am afraid to name my insurance coverage firm,” says Waterfield.
Her colleague Keri Murphy, an administrative officer at CHIPS for America, is much more terrified. She had surgical procedure on her foot on April 17. That morning, she referred to as Blue Cross Blue Defend to ensure she had protection and was instructed she did.
“Blue Cross was exhibiting me as energetic,” she says. “I paid my specialist co-pay of $50.”
That affirmation, together with the truth that her newest paystub confirmed she had paid her well being care premium, led Murphy to imagine she’d have well being protection for an additional 31 days previous her April 10 re-termination date.
Now, she’s making an attempt to determine what she’ll do if she’s saddled with all the price of her foot surgical procedure. Her solely alternative could also be to choose into persevering with protection for one month. However with relations on her plan, she estimates that would price her round $2800, cash she does not have given she simply misplaced her job.
She’s now nervous she could should cancel her follow-up appointment subsequent week, when her physician is meant to take away the bandages and take a look.
“This has been such a life-changing, devastating collection of occasions that I do not understand how rather more dangerous information I can take,” she says.
Tammy Flanagan, who previously labored in human assets on the FBI and now runs her personal consultancy, says these federal employees have carried out precisely what she would have suggested them to do on this scenario – name their insurers.
Past that, she’s undecided what to inform them.
“The place have authorities workers ever been fired after which rehired and fired once more? It is unknown territory,” she says.
Hoping for no emergencies
Jennifer Raulin (left) and a colleague work within the discipline on a government-supported undertaking associated to marsh restoration. Raulin had simply began a federal job in coastal administration with the Nationwide Oceanic and Atmospheric Administration in January earlier than being fired in February.
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Jennifer Raulin, who had simply began a job at NOAA in January earlier than being fired in February, rehired in March and fired once more in April, had not wished to complain publicly in regards to the ordeal she’s been by way of — till now.
“We have now been type of residing in purgatory for the previous couple of months, however this entire well being care factor has actually taken a darker flip,” she says. “This to me crossed a line … as a result of my youngsters at the moment are concerned.”
Certainly one of her kids simply turned 11, however she is not taking him in for his annual checkup and the photographs that he is as a consequence of get, together with the HPV, Tdap and meningitis vaccines, till she has well being care protection once more.
Within the meantime, she’s additionally hoping for no emergencies.
“Each of my kids play baseball, and so now each time they’ve a sport, I maintain my breath and hope that they do not get damage,” she says.
She, too, feels lucky her husband’s employer affords a household insurance coverage plan. However they have not been in a position to make the change as a result of the federal government hasn’t despatched Raulin her termination paperwork proving a qualifying life occasion.
Till then, if somebody within the household leads to the emergency room, she’ll should choose into persevering with protection, regardless of it being cost-prohibitive, she says. NOAA workers have been instructed they’ve till June 7 to take action.
Not optimistic about one other reinstatement
Though a number of authorized challenges to the probationary workers’ firings are nonetheless taking part in out in courtroom, Raulin and others should not optimistic this well being care scenario shall be sorted out by one other ruling — or that they will get their jobs again.
“Making an attempt to observe all these instances and the attraction course of is sort of like a full-time job, on high of looking for one other full-time job,” says Raulin.
Whereas Waterfield appears for brand new employment, she is doing what she will be able to to assist different federal employees navigate the murky scenario, together with signing up along with her native bar affiliation to offer pro-bono authorized counsel — and assist.
“Even when it is only a sense of giving an open ear, letting them know they are not alone, that their feeling that this is not honest is shared by others,” says Waterfield. “Letting individuals know that I really feel it with them.”
