Health insurance exchanges: Jump ball for health plans

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Health insurance exchanges: Jump ball for health plans"

Transcription

1 Health insurance exchanges: Jump ball for health plans The advent of mandated government-sponsored health insurance exchanges is expected to create a marketplace disruption larger than that of Medicare Part D in its inaugural year. State-level exchanges have the potential to transform traditional individual and small group health insurance. Commencing with the open enrollment period in late 2013, these new, consumer-oriented, pricetransparent exchange markets are anticipated to be a competitive jump ball for health plans. Across the country, many health plans are looking at the range of potential market scenarios and preparing for change at the state or substate level. As health insurance exchanges are intended to serve individual geographic markets, it is likely that some exchange markets will be more attractive than others. Under any market scenario, however, health plans may struggle to compete effectively in exchange markets without reconfiguring their product offerings and lowering their cost structures. Right now, it s anybody s game. But if market share proves to be as sticky for health insurance exchange products as it has been for Medicare Part D, early winners may have an advantage for years to come. Health plans should start preparations now by identifying their objectives for participating in exchange markets and by conducting a market entry evaluation to determine if they have the right mix of and products to appeal to their desired consumer segments. Understanding the rules of the exchange game Health insurance exchanges are online marketplaces that allow individuals and small groups to identify, evaluate, and compare health plan options that are available to them in their local markets. The Affordable Care Act (ACA) legislation and draft regulations specify the creation of two types of exchanges an individual exchange and a small group (SHOP) exchange for employers with up to 100 employees. States have the option to combine these two exchanges into a single exchange. Exchanges may be offered at the regional, state, or substate level, but must be geographically distinct. If a state does not appear to have an adequate exchange solution by early 2013, the federal government is required to operate an exchange on that state s behalf. The products sold on these exchanges must conform to certain rules in terms of the benefits offered (including minimum essential benefits ), the levels of coverage provided, and pricing (community-rated with limited variation based on age, geography, family composition, and smoking status). Information about quality, member satisfaction, and medical loss ratio must also be reported. Health insurance exchanges are anticipated to transform the current individual and small group insurance markets and create a new, consumer-oriented marketplace encompassing more than 24 million members, according to projections by the Congressional Budget Office. 1 More recently, the Deloitte Center for Health Solutions estimated that the range of potential entrants into the exchange could be anywhere from million depending on various scenarios, including the state of the economy. 2 Health insurance exchanges: Jump ball for health plans 1

2 The size of the exchange market could grow depending on strategic choices made by employers. If exchanges are successful, employers will, for the first time, have a viable alternative to employer-sponsored coverage for their employees who will be able to purchase community-rated, guaranteed issue health insurance. Employers responses and use of exchanges are expected to vary dramatically by group size and other specific employer attributes. Small group employers (1-50 employees) will be eligible to participate in the exchanges starting in These employers are expected to be highly price-sensitive and to gravitate toward the lowest-cost coverage options. Some of these employers may opt to drop health coverage for employees; others, to purchase insurance through exchanges. These decisions may be influenced by the availability of tax credits for employer-sponsored coverage available to some employers with fewer than 25 employees, and by the fact that employers with fewer than 50 employees face no penalties for not offering coverage. Midsized employers ( employees) will become eligible to participate in the exchanges no later than In devising their strategies, these employers will likely weigh penalties that apply for dropping coverage with the advantage of the tax deductibility of employer-sponsored coverage, and the value that their employees place on employer-sponsored coverage. Individual employer reactions are expected to vary depending on industry, workforce structure, worker wage mix, and current benefit program. Large employers (100+ employees) likely will not be eligible to purchase coverage through exchanges until 2017 or later, and will continue to need to balance the demands of acquiring and retaining talent against the rising costs of health coverage as they determine whether to modify or drop coverage, or eventually move coverage to an exchange. Many may decide to shift coverage from a defined benefit plan to a defined contribution toward coverage in an attempt to limit their costs. Others may change their workforce composition toward more part-time employees. (Employers are not required to provide coverage to part-time employees.) These actions may be more common in industries like manufacturing and retail; however, companies where intellectual capital is critical will likely continue to offer benefits to retain talent. Employers benefit decisions are complex and will likely be influenced by a number of factors, so it is difficult to predict exactly what will happen within each employer segment and the resulting impact on health plans. The early responders will likely exert the greatest influence over the path chosen by other employer groups. 2 Health insurance exchanges: Jump ball for health plans

3 Developing a game plan The ACA prescribes some basic functions that all exchanges must be able to perform, but also provides states some design flexibility. A host of market drivers are expected to impact the operating model design and functionality of a given state exchange (Figure 1). The two main factors are: Exchange the actual processes and functions performed by the exchange. Some states may take a de minimis approach, while others opt to build more significant operational into their exchanges. Market environment the regulatory climate and approach within the state. Some states may manage markets through regulation, while others may employ a more free-market approach. Based on these market factors, Deloitte anticipates that four health insurance exchange operating models will emerge, each with distinct characteristics: Information aggregator, Retail-oriented exchange, Guided exchange, and Market curator (Figure 2). Figure 1. Market drivers of exchange models Exchange Law mandates that a core set of /processes must be present (i.e., eligibility verification, plan comparison) However, there is some flexibility in how broad these need to be in the exchange itself Open Prescriptive Market environment States have considerable leeway in the degree by which they balance competition with appropriate regulation to encourage health plan participation Competitive Regulated Driver Open Prescriptive Driver Competitive Regulated Funding State infrastructure Population demographics Budget deficit Long and stringent procurement Fewer uninsured; healthier population Budget surplus Flexible procurement cycles Larger state, high population of uninsured individuals, less healthy population Political landscape Regulatory environment Broader reform policy goals Laissez faire Limited regulatory oversight. State reinforces competition and growth Exchange is not viewed as a mechanism to promote broader health policy Rules of engagement Extensive regulatory oversight and limits competitive forces Exchange is viewed as a vehicle to promote broader health policy As used in this document, Deloitte means Deloitte Consulting LLP, a subsidiary of Deloitte LLP. Please see for a detailed description of the legal structure of Deloitte LLP and its subsidiaries. Certain services may not be available to attest clients under the rules and regulations of public accounting. Health insurance exchanges: Jump ball for health plans 3

4 Figure 2. Exchange models Prescriptive Exchange 2 Retail oriented 4 Creates a retail shopping experience with more service (e.g., ability to shop by price or benefits needs) and shop to enroll transaction scope Offers a broad range of products with variation in price and design Provides information and enrollment assistance Provides education, outreach, and technical assistance for consumers 1 Information aggregator Meets requirements of the ACA; enrollment transactions passed to plans websites via links Functions as an impartial aggregator of information on health plan products and quality information Provides structure to allow health plan design and price comparisons Leaves accountability of the product or service delivery to the marketplace Limits carriers available on the exchange through a competitive selection process Creates an end-to-end consumer experience from shopping to enrolling Selects the products that it deems are most effectively suited for customers and organizes them and maintains product data files Provides consumer and member management services, ranging from initial enrollment and billing to ongoing maintenance transactions 3 Market curator Guided Limits carriers available on the exchange through a competitive selection process Standardizes product offerings Provides more prescriptive mandates and regulatory oversight over the market Offers minimal shopping tools and basic plan comparison functionality Open Competitive Market environment Regulated The specific model that emerges for any given state and exchange will likely influence both a health plan s decision to participate in the market, as well as the development of its go-to-market strategy in entry states. 1. Information aggregator: This type of exchange delivers bare-minimum to meet ACA requirements. The exchange serves as an impartial aggregator of information on health plan products and quality, providing a structure to allow health plan design and price comparisons. Enrollment transactions are passed to health plans websites via links. Accountability for specific products or services is left primarily to the health plan that provides them. 2. Retail-oriented exchange: This type of exchange creates a retail shopping experience with more service (e.g., the ability to shop by price or benefit preferences) and a shop-to-enroll process that allows the consumer to compare, purchase, and enroll in a single transaction. It offers a broad range of products varying in price and design, and provides education, outreach, and technical assistance for consumers, as well as enrollment information and assistance. 3. Guided exchange: This type of exchange provides more prescriptive mandates and regulatory oversight over the market. It limits available carriers and plan choices through a competitive selection process, and may require that products be further standardized. Functions owned by the exchange are minimal, and may include basic tools and health plan comparison information. The guided exchange is likely only an interim model for states lacking the initial funds to build more exchange. 4. Market curator: This type of exchange creates an end-to-end consumer experience, from shopping to enrolling. It limits the available carriers and plans through a competitive selection process. The exchange is responsible for selecting the products it feels better fit the customer, organizing them, and maintaining product data files. It provides an extensive suite of consumer and member management services, ranging from initial enrollment and billing to ongoing maintenance transactions. 4 Health insurance exchanges: Jump ball for health plans

5 Each of these four exchange models will require particular from the health plans that choose to participate in them. To develop an appropriate strategy for a particular market, health plans should understand each of the models that are likely to emerge in a given state or geographic area, and how the models might evolve over time. For example, some states may not fall under any of these models if they are not ready by the 2013 federal deadline, while other states may start in one quadrant and migrate to another as political, fiscal, and other factors change. Stepping onto the court Smart first steps for health plans The complexity and number of potential exchanges mean that health plans exchange planning requires significant lead time presents a key milestone in the exchange timeline as states begin reviewing draft federal regulations, enacting legislation to facilitate, and developing their own proposed rules. Health plans, however, also need to think about the development of the market over the next 10 years, as some years may bring more significant changes than others: 2014 (when exchanges are implemented), 2016 (when states must open exchanges to employers with up to 100 employees), and 2017 (when states can choose to allow larger employers to access offerings on the exchange). Given the amount of preparation required to integrate health plans front-end operations into these new, stateor federal-run distribution channels, health plans should start positioning themselves now for the future exchange environment. They should begin by understanding the level and trajectory of exchange development in each state, and by exploring their own exchange objectives and impacts from a market, strategic, and operational perspective (see page that follow). This knowledge can help health plans to develop their overall exchange market entry strategies, including identification of the potential exchange markets they wish to enter and the products they will likely need to develop or offer. Based on their identified market entry strategy, health plans should then evaluate whether their are mature enough and products are appropriate for the chosen exchange markets. Developing a market entry strategy Exchanges are designed to promote price transparency and subsequently are expected to drive more intense pricebased competition. To enter the exchange market and compete effectively, health plans should expect to manage both internal drivers of premium costs while developing strategic responses to external factors over which they have significantly less control. There are two primary internal drivers of premium costs that health plans should manage effectively: network and administration. Given that price may be a key driver of consumer choice, health plans that are at a material unit cost disadvantage in their networks in certain geographies will likely have a hard time competing in the exchanges. From an administrative perspective, while high premiums may afford health plans with more administrative dollars to leverage, efficient markets with lower premiums may have a counter effect, producing fewer administrative dollars that can cover costs and margin. To gain success in terms of market share and profitability, health plans should effectively manage both of these drivers The external factors that influence a health plan s ability to enter the exchange market are a little more complicated and include a given state s insurance market regulation practices, individual exchange membership potential and demographics, and a health plan s competitive positioning. Highly regulated states are more likely to develop more restrictive exchanges, and to deploy rigorous risk adjustment mechanisms that can mitigate any potential advantage gained through positive risk selection. As discussed previously, the level of regulation and resultant operating model that emerges in a given state will likely have a significant impact on the required health plans must have in place in order to compete. In the area of membership potential, some health plans will be challenged to meet administrative and profit requirements in efficient markets with lower average premiums unless sufficient scale can be achieved. Finally, a health plan s current brand positioning and market share relative to competitors could give certain plans a considerable advantage. Health insurance exchanges: Jump ball for health plans 5

6 Questions to aid scenario planning Health plans are unlikely to know the detailed regulations and rules when they initiate health insurance exchange planning efforts; they will have to make an educated guess based on a set of likely assumptions. Formulating and answering questions that assess exchange market opportunities and potential strategic and operational impacts can provide health plans with valuable insights to help them clarify their exchange objectives, define contingencies, and manage a strategic response. Strategic impact assessment Channels: What strategies will likely be required to incorporate this new channel into our existing distribution model? How can we retain existing members in the transition? How can our relationship with the broker community change? Product and network: How can product design be changed to lower cost and improve consumer satisfaction? How can we deliver value-added experiences through the exchange while facing cost constraints? How can we prevent brand degradation among consumers and providers? What revenue potential exists for buy-up services? How can product bundling strategies shift? Can we lower costs enough by narrowing networks? Operational and technical impact assessment Current operating model: What kinds of analytics can help us succeed with these segments? What changes are required for existing provider and subscriber agreements? What changes are required to leverage new medical management and provider collaboration models? Does our IT strategy align with new technology demands (e.g., new integration requirements)? Capital (human, intellectual, and financial): How does this line of business fit into our existing organizational structure? Where should the funding come from to invest in new? What group within the organization should own the exchange lines of business? Can we meet the deadlines for readiness? Market opportunity assessment Customers and markets: How much investment is required to enter each exchange market? What is the projected return on investment? How are competitors approaching exchanges? What role does this line of business play in our company s product portfolio for each geographic market? How will insurance exchange investments likely be prioritized against other reform initiatives (e.g., administrative simplification, ICD-10, compliance)? 6 Health insurance exchanges: Jump ball for health plans

7 Health plans can better prepare for the uncertain market direction by engaging in scenario planning to consider the range of ways that the market might evolve and identify how they might differ. Each scenario can then be evaluated to identify an effective strategy containing core and contingent strategies. Core strategies are those that would be employed under multiple scenarios, and contingent strategies would be pursued only in specific scenarios. Once health plans consider the internal price drivers and the external factors influencing market entry and competitive position and develop their strategy, they need to consider the specific product offerings that are most attractive to each potential market segment. Each segment (i.e., individual and small group) has subsegments, based upon age, sex, geography, and other demographic factors, with specific needs as well as different competitors, funding sources, provider networks, and economics. These subsegments should be analyzed individually to develop product offerings with the plan design, tools, and communication strategies that will likely attract and retain high-value customers who move to the exchange market (Figure 3). Closing thoughts Health insurance exchanges can be a significant and attractive market opportunity for health plans that understand the exchange models that may emerge, develop a flexible strategic response, and then carefully evaluate and identify required capability investments and potential markets to enter. This can position health plans to more effectively identify and develop the products that will likely be competitive from a network, price, and brand perspective. By adopting more efficient, lower cost platforms, health plans can increase their price competitiveness, play to their product strengths, and potentially gain long-term strategic advantage. Endnotes 1 CBO, Manager s Amendment to Reconciliation Proposal, March 20, Health Insurance Exchanges: A strategic perspective, Deloitte Center for Health Solutions, July Figure 3. Product attributes and considerations Tier 1 Networks administration Tier 2 Branding Plan design/ Benefit provisions Consumer tools Communications Lower-cost, high-quality networks are key to creating competitive price points. Lower-cost, limited geographic networks are more likely to be accepted by consumers and small groups who lack national scope. Addressing root causes of product complexity simplifying provider contracts, rationalizing benefits, and simplifying medical policies can lower product administration costs and increase simplicity/ease of use for members. The exchange shopping experience will vary; local brand recognition is important to proper positioning. Branding on exchange Web portals likely will be subject to limitations; product naming could be a critical brand issue. Quality ratings will likely become part of exchange branding. Product designs should be expected to vary within a given actuarial value category. Alternative benefits/nonessential benefits (such as acupuncture) may be an opportunity for differentiation. There is an opportunity to rationalize investments in consumer tools and lower administrative costs given that exchanges/other entities will provide plan comparisons, cost, and quality data, etc. All communications must be at a fourth grade reading level. Adding online employee communications materials to core product offerings could meet small group needs and create differentiation. Health insurance exchanges: Jump ball for health plans 7

8 Authors Paul Lambdin Director Deloitte Consulting LLP Dhan Shapurji Director Deloitte Consulting LLP Additional insights The Health Insurance Exchange provisions within the ACA impact multiple sectors within the Health Sciences & Government industry. Access additional health plans and cross-sector thinking from Deloitte at including projected enrollments in exchanges under four scenarios in year 2020, as outlined in Health Insurance Exchanges: A strategic perspective. Additional contact Sarah Wiley Director Deloitte Consulting LLP This publication contains general information only and is based on the experiences and research of Deloitte practitioners. Deloitte is not, by means of this publication, rendering business, financial, investment, or other professional advice or services. This publication is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your business. Before making any decision or taking any action that may affect your business, you should consult a qualified professional advisor. Deloitte, its affiliates, and related entities shall not be responsible for any loss sustained by any person who relies on this presentation. Copyright 2011 Deloitte Development LLC. All rights reserved. Member of Deloitte Touche Tohmatsu Limited.

Private insurance exchanges Outlook is good

Private insurance exchanges Outlook is good Private insurance exchanges Outlook is good Insights from the Deloitte Center for Health Solutions 2015 Survey of US Employers Executive summary What future moves might employers make around their health

More information

Produced by the Deloitte Center for Health Solutions. Health insurance exchanges: A strategic perspective

Produced by the Deloitte Center for Health Solutions. Health insurance exchanges: A strategic perspective Produced by the Deloitte Center for Health Solutions Health insurance exchanges: A strategic perspective Foreword The Affordable Care Act (ACA) seeks to increase insurance coverage for 32 million uninsured

More information

2. EXECUTIVE SUMMARY. Assist with the first year of planning for design and implementation of a federally mandated American health benefits exchange

2. EXECUTIVE SUMMARY. Assist with the first year of planning for design and implementation of a federally mandated American health benefits exchange 2. EXECUTIVE SUMMARY The Patient Protection and Affordable Care Act of 2010 and the Health Care and Education Reconciliation Act of 2010, collectively referred to as the Affordable Care Act (ACA), introduces

More information

The Rising Tide of Pharmacy Benefit Cost and Complexity: A health plans roadmap to optimizing pharmacy services relationships

The Rising Tide of Pharmacy Benefit Cost and Complexity: A health plans roadmap to optimizing pharmacy services relationships The Rising Tide of Pharmacy Benefit Cost and Complexity: A health plans roadmap to optimizing pharmacy services relationships New pharmacy benefit challenges After several years of manageable pharmacy

More information

Private exchanges Wolf at the health plan s door? The case for an offensive strategy

Private exchanges Wolf at the health plan s door? The case for an offensive strategy Private exchanges Wolf at the health plan s door? The case for an offensive strategy What s at stake? Pundits project private exchange (PIX) enrollment to accelerate rapidly; between 30 and 50% of employers

More information

Group to Individual Trend - How Health Plans Can Optimize Retention

Group to Individual Trend - How Health Plans Can Optimize Retention Get Smart. Get Covered. Get Going. Group to Individual Trend - How Health Plans Can Optimize Retention Wellthie s Retail Ready White Paper Series What is the group to individual trend? Small group employers

More information

DRAFT. Final Report. Wisconsin Department of Health Services Division of Health Care Access and Accountability

DRAFT. Final Report. Wisconsin Department of Health Services Division of Health Care Access and Accountability Final Report Wisconsin Department of Health Services Division of Health Care Access and Accountability Wisconsin s Small Group Insurance Market March 2009 Table of Contents 1 INTRODUCTION... 3 2 EMPLOYER-BASED

More information

HHealth HEALTH INSURANCE EXCHANGE FAQs

HHealth HEALTH INSURANCE EXCHANGE FAQs HHealth HEALTH INSURANCE EXCHANGE FAQs Page 1 TABLE OF CONTENTS Introduction... 3 Background... 3 Health Insurance Exchange FAQs... 4 What is the Patient Protection and Affordable Care Act (PPACA)?...

More information

ACA Impact on Premium Rates in the Individual and Small Group Markets

ACA Impact on Premium Rates in the Individual and Small Group Markets ACA Impact on Premium Rates in the Individual and Small Group Markets Paul R. Houchens, FSA, MAAA BACKGROUND The Patient Protection and Affordable Care Act (ACA) introduces significant changes in covered

More information

Optum TM Consumer Acquisition Platform. A Next-Generation Approach to Acquire, Retain and Engage Members.

Optum TM Consumer Acquisition Platform. A Next-Generation Approach to Acquire, Retain and Engage Members. Optum TM Consumer Acquisition Platform A Next-Generation Approach to Acquire, Retain and Engage Members. Challenge and opportunity have arrived at the same time for health plans. Millions of consumers

More information

ADVERSE SELECTION ISSUES AND HEALTH INSURANCE EXCHANGES UNDER THE AFFORDABLE CARE ACT

ADVERSE SELECTION ISSUES AND HEALTH INSURANCE EXCHANGES UNDER THE AFFORDABLE CARE ACT Draft: 6/22/11 Reflects revisions to the June 17 draft as discussed during the Health Insurance and Managed Care (B) Committee conference call June 22, 2011 Background ADVERSE SELECTION ISSUES AND HEALTH

More information

How ACA is Changing Employer Health Benefits and the Marketplace Presented by:

How ACA is Changing Employer Health Benefits and the Marketplace Presented by: North Carolina State Health Plan How ACA is Changing Employer Health Benefits and the Marketplace Presented by: J. Richard Johnson Senior Vice President, Public Sector Health Practice Leader rjohnson@segalco.com

More information

Health Care Reform and Small Businesses:

Health Care Reform and Small Businesses: Health Care Reform and Small Businesses: The Heightened Role of PEOs The sweeping changes laid out in the Affordable Care Act (ACA), or health care reform, have left small business owners facing a number

More information

Washington State Health Insurance Exchange Project

Washington State Health Insurance Exchange Project Washington State Health Insurance Exchange Project Issue Brief #2: Exchange Governance and Organizational Structure First Draft for Comments and Discussion November 15, 2010 Summary This issue brief describes

More information

BROKER PRICING LEVERAGE IN THE FULLY-INSURED GROUP HEALTH MARKET INSURANCE AND RISK ADVISORY SERVICES

BROKER PRICING LEVERAGE IN THE FULLY-INSURED GROUP HEALTH MARKET INSURANCE AND RISK ADVISORY SERVICES BROKER PRICING LEVERAGE IN THE FULLY-INSURED GROUP HEALTH MARKET INSURANCE AND RISK ADVISORY SERVICES INSURANCE AND RISK ADVISORY SERVICES Broker Pricing Leverage in the Fully-Insured Group Health Market

More information

Article from: Health Watch. January 2013 Issue 71

Article from: Health Watch. January 2013 Issue 71 Article from: Health Watch January 2013 Issue 71 Similarities between Medicare Prescription Drug Plans and Commercial Exchanges By Shelly S. Brandel and Douglas A. Proebsting The Affordable Care Act (ACA)

More information

Employers have many strategic considerations as they. Leveraging Private and Public Exchanges in an Employee Benefits Strategy. Health Care Reform

Employers have many strategic considerations as they. Leveraging Private and Public Exchanges in an Employee Benefits Strategy. Health Care Reform Health Care Reform Leveraging Private and Public Exchanges in an Employee Benefits Strategy Health reform is helping to transform the health insurance marketplace and facilitate new opportunities to reevaluate

More information

Enterprise contact center A strategic opportunity for health care providers

Enterprise contact center A strategic opportunity for health care providers Enterprise contact center A strategic opportunity for health care providers What s at stake? A new customer interaction model can lead to an increase in revenue and market share for health care providers

More information

Issue Brief: The Health Benefit Exchange and the Small Employer Market

Issue Brief: The Health Benefit Exchange and the Small Employer Market Issue Brief: The Health Benefit Exchange and the Small Employer Market Overview The federal health care reform law directs states to set up health insurance marketplaces, called Health Benefit Exchanges,

More information

S ince the passing of the Affordable Care Act (ACA),

S ince the passing of the Affordable Care Act (ACA), Pension & Benefits Daily Reproduced with permission from Pension & Benefits Daily, 15 pbd 209, 10/29/2015. Copyright 2015 by The Bureau of National Affairs, Inc. (800-372-1033) http://www.bna.com Private

More information

top issues An annual report

top issues An annual report top issues An annual report Volume 7 2015 Strategy Group insurance and the rise of exchanges The insurance industry in 2015 Group insurance and the rise of exchanges In the past, carriers often specialized

More information

Frequently Asked Questions About Private Health Insurance Exchanges

Frequently Asked Questions About Private Health Insurance Exchanges Frequently Asked Questions About Private Health Insurance Exchanges Updated October 23, 2013 Private health insurance exchanges or private exchanges have attracted increased attention, especially from

More information

Pricing Analytics The three-minute guide

Pricing Analytics The three-minute guide Pricing Analytics The three-minute guide Pricing Analytics The three-minute guide 1 What is pricing analytics? Where it all comes together Advanced analytics aimed at customer and business outcomes are

More information

Leading the Conversation: New Channels for Provider Contracting

Leading the Conversation: New Channels for Provider Contracting WHITE PAPER Leading the Conversation: New Channels for Provider Contracting Author: Cindy Lee On the vanguard of thought. On the front lines of ac on. Leading the Conversation: New Channels for Provider

More information

Healthcare Reform (ACA) Update Greater Magnolia Chamber of Commerce

Healthcare Reform (ACA) Update Greater Magnolia Chamber of Commerce Healthcare Reform (ACA) Update Greater Magnolia Chamber of Commerce FREDDY WARNER System Executive, Public Policy & Government Relations Memorial Hermann Health System March 27, 2014 PRESENTATION OUTLINE

More information

Hedge fund launch considerations Reaching new boundaries. Investment Management

Hedge fund launch considerations Reaching new boundaries. Investment Management Hedge fund launch considerations Reaching new boundaries Investment Management There are people who make things happen, there are people who watch things happen, and there are people who wonder what happened.

More information

Consumer products analytics The three-minute guide

Consumer products analytics The three-minute guide Consumer products analytics The three-minute guide Consumer products analytics The three-minute guide 1 Why it matters now Category captains are no longer enough. Retailers are looking for insight captains.

More information

HEALTHCARE REFORM SOLUTIONS. Designing a Pharmacy Benefit for the New Public Health Exchange Consumers

HEALTHCARE REFORM SOLUTIONS. Designing a Pharmacy Benefit for the New Public Health Exchange Consumers HEALTHCARE REFORM SOLUTIONS Designing a Pharmacy Benefit for the New Public Health Exchange Consumers FEBRUARY 2013 EXECUTIVE SUMMARY Designing a Pharmacy Benefit for the New Public Health Insurance Exchange

More information

Talent DNA that drives your business

Talent DNA that drives your business Talent DNA that drives your business Align your talent DNA and business strategy to achieve real success Accelerate your business with a strategic HCM solution that turns your human capital investment

More information

Are employers prepared for the Cadillac tax?

Are employers prepared for the Cadillac tax? Health Policy Brief Are employers prepared for the Cadillac tax? Produced by the Deloitte Center for Health Solutions and the Deloitte Center for Regulatory Strategies Executive summary Although much of

More information

ACA: Understanding the Defining a Path Forward

ACA: Understanding the Defining a Path Forward ACA: Understanding the Defining a Path Forward by Frances Marbury and Rachael Walker Each organization s unique circumstances will determine how it responds to the Affordable Care Act (ACA). Employers

More information

Health & Benefits Coverage 101

Health & Benefits Coverage 101 Health & Benefits Coverage 101 Small Business Guidebook ADP SMALL BUSINESS GUIDEBOOK Automatic Data Processing Insurance Agency, Inc. The Basics & Key Things You Need to Know Question 1 What is Group Health

More information

Talent 2020: Surveying the talent paradox from the employee perspective The view from the Health Care sector

Talent 2020: Surveying the talent paradox from the employee perspective The view from the Health Care sector Talent 2020: Surveying the talent paradox from the employee perspective The view from the Health Care sector Deloitte Consulting s September 2012 Talent 2020: Surveying the talent paradox from the employee

More information

NCOE whitepaper Master Data Deployment and Management in a Global ERP Implementation

NCOE whitepaper Master Data Deployment and Management in a Global ERP Implementation NCOE whitepaper Master Data Deployment and Management in a Global ERP Implementation Market Offering: Package(s): Oracle Authors: Rick Olson, Luke Tay Date: January 13, 2012 Contents Executive summary

More information

Washington Health Benefit Exchange. Leading Age 2014 Annual Conference. Phil Dyer Board Member

Washington Health Benefit Exchange. Leading Age 2014 Annual Conference. Phil Dyer Board Member Washington Health Benefit Exchange Leading Age 2014 Annual Conference Phil Dyer Board Member DISCLAIMER; The views and information expressed are my personal opinions and perspectives and do not represent

More information

National Association of State Comptrollers. Architecting a New State Operating Model for the Future. March 12, 2015

National Association of State Comptrollers. Architecting a New State Operating Model for the Future. March 12, 2015 National Association of State Comptrollers Architecting a New State Operating Model for the Future March 12, 2015 The world around us is changing at a dizzying pace. 2 National Association of State Comptrollers

More information

Big data The three-minute guide

Big data The three-minute guide Big data The three-minute guide Don t squint. Select the full-screen option to view at full size. Big Data The three-minute guide 1 2 What is big data? It s about insight Big data generally refers to datasets

More information

The Affordable Care Act: What s next for employers?

The Affordable Care Act: What s next for employers? The Affordable Care Act: What s next for employers? Prepared by: Jill Harris, Director, Washington National Tax, McGladrey LLP 507.226.0482, jill.harris@mcgladrey.com Bill O Malley, Director, Washington

More information

Brace Yourselves For Direct Sales To Small-Business Insurance Consumers!

Brace Yourselves For Direct Sales To Small-Business Insurance Consumers! Casualty Actuarial Society Annual Meeting Brace Yourselves For Direct Sales To Small-Business Insurance Consumers! Sam Friedman, Insurance Research Leader, Deloitte Center for Financial Services Donna

More information

Hot Topics CEO Pay Ratio Disclosure: What Would It Take to Implement the SEC Proposal?

Hot Topics CEO Pay Ratio Disclosure: What Would It Take to Implement the SEC Proposal? Hot Topics CEO Pay Ratio Disclosure: What Would It Take to Implement the SEC Proposal? The Securities Exchange Commission (SEC) voted 3-2 on September 18, 2013, to issue a proposed rule to implement Section

More information

The future of the Small Business Health Options Program (SHOP) in Maryland. Presentation to the MHBE Stakeholder Advisory Committee December 10, 2015

The future of the Small Business Health Options Program (SHOP) in Maryland. Presentation to the MHBE Stakeholder Advisory Committee December 10, 2015 The future of the Small Business Health Options Program (SHOP) in Maryland Presentation to the MHBE Stakeholder Advisory Committee December 10, 2015 Historical support for small business Senate Bill 6,

More information

HEALTH INSURANCE EXCHANGE FAQS

HEALTH INSURANCE EXCHANGE FAQS HEALTH INSURANCE EXCHANGE FAQS 0 TABLE OF CONTENTS INTRODUCTION... 1 BACKGROUND... 1 HEALTH INSURANCE EXCHANGE FAQS... 1 1 INTRODUCTION IN EARLY 2010, CONGRESS PASSED THE PATIENT PROTECTION AND AFFORDABLE

More information

Omni-channel excellence for emerging markets Retail leaders circle Dubai. Belinda Griffin Deloitte Consulting LLP

Omni-channel excellence for emerging markets Retail leaders circle Dubai. Belinda Griffin Deloitte Consulting LLP Omni-channel excellence for emerging markets Retail leaders circle Dubai Belinda Griffin Deloitte Consulting LLP Traditional retail value levers are under attack Deal sites Social curation Value Prime

More information

Impact of Merging the Massachusetts Non-Group and Small Group Health Insurance Markets

Impact of Merging the Massachusetts Non-Group and Small Group Health Insurance Markets Prepared for the Massachusetts Division of Insurance and Market Merger Special Commission December 26, 2006 Gorman Actuarial, LLC 210 Robert Road Marlborough MA 01752 DeWeese Consulting, Inc. 263 Wright

More information

RISK ADJUSTMENT ARRIVES FOR COMMERCIAL HEALTH INSURANCE

RISK ADJUSTMENT ARRIVES FOR COMMERCIAL HEALTH INSURANCE POINT OF VIEW RISK ADJUSTMENT ARRIVES FOR COMMERCIAL HEALTH INSURANCE HHS s risk adjustment program for the small group and individual markets will reduce some of the effects of adverse selection but it

More information

The Patient Protection and Affordable Health Care Act and the Health Care and Education Reconciliation Act of 2010

The Patient Protection and Affordable Health Care Act and the Health Care and Education Reconciliation Act of 2010 The Patient Protection and Affordable Health Care Act and the Health Care and Education Reconciliation Act of 2010 Important Provisions for IAAPA Members May 24, 2010 The health care reform bill which

More information

How Health Benefit Exchanges Fit in Your Health and Welfare Strategy

How Health Benefit Exchanges Fit in Your Health and Welfare Strategy How Health Benefit Exchanges Fit in Your Health and Welfare Strategy December 10, 2013 2:00 3:00 pm ET The audio for this webcast will play using your computer s speakers. If you experience audio problems

More information

Article from: Health Watch. October 2013 Issue 73

Article from: Health Watch. October 2013 Issue 73 Article from: Health Watch October 2013 Issue 73 What Is Available in 2014 for 2015 Individual Health Insurance Rate Filings By Jeff Rohlinger Jeff Rohlinger, FSA, MAAA, is associate actuary at Health

More information

POSITION PAPER. TOPIC: Cooperative Procurement Great Value (Great Confusion) nigp.org

POSITION PAPER. TOPIC: Cooperative Procurement Great Value (Great Confusion) nigp.org POSITION PAPER TOPIC: Cooperative Procurement Great Value (Great Confusion) nigp.org NIGP 151 Spring Street Herndon, Va 20152 703.836.8900 CUSTOMER CARE: 800.367.6447, Ext. 426 ONLINE: nigp.org nsite.nigp.org

More information

Top 10 Issues for Health Plans - Strategic & Operational Priorities

Top 10 Issues for Health Plans - Strategic & Operational Priorities Top 10 Issues for Health Plans - Strategic & Operational Priorities Thomas Carleton, Sr. Director, Health IT & Analytics Mosaic Health Solutions (BCBS NC) Nancy Wise, SVP, Strategic & Regulatory Consulting

More information

Oregon Health Fund Board

Oregon Health Fund Board Oregon Health Fund Board INITIAL ECONOMETRIC MODELING FOR THE OREGON HEALTH FUND BOARD Final Report February 2009 SUMMARY The Oregon Health Fund Board worked with consultants from the Massachusetts Institute

More information

Deloitte and SuccessFactors Workforce Analytics & Planning for Federal Government

Deloitte and SuccessFactors Workforce Analytics & Planning for Federal Government Deloitte and SuccessFactors Workforce Analytics & Planning for Federal Government Introduction Introduction In today s Federal market, the effectiveness of human capital management directly impacts agencies

More information

Health Care Reform. Overview of Federal Health Insurance Reform Requirements and TDI Implementation Planning

Health Care Reform. Overview of Federal Health Insurance Reform Requirements and TDI Implementation Planning Health Care Reform Overview of Federal Health Insurance Reform Requirements and TDI Implementation Planning Presentation to House Select Committee on Federal Legislation April 22, 2010 Mike Geeslin, Commissioner

More information

Culture of purpose: A business imperative 2013 core beliefs & culture survey

Culture of purpose: A business imperative 2013 core beliefs & culture survey Culture of purpose: A business imperative 2013 core beliefs & culture survey Executive summary What companies do for clients, people, communities and society are all interconnected. A culture of purpose

More information

Risk Management for Health Care Reform Programs: A Health Plan Perspective

Risk Management for Health Care Reform Programs: A Health Plan Perspective PMI Virtual Library 2014 Deloitte Consulting LLP Risk Management for Health Care Reform Programs: A Health Plan Perspective By Deloitte Consulting LLP Abstract This white paper will explore the common

More information

Auto Insurance Telematics: Where the Data Meets the Road

Auto Insurance Telematics: Where the Data Meets the Road Casualty Actuarial Society Annual Meeting: Auto Insurance Telematics: Where the Data Meets the Road John Lucker, Principal, Global Advanced Analytics & Modeling Market Leader, Deloitte Consulting LLP Sam

More information

New Hampshire Health Insurance Market Analysis

New Hampshire Health Insurance Market Analysis New Hampshire Health Insurance Market Analysis PHASE II REPORT PREPARED FOR NEW HAMPSHIRE INSURANCE DEPARTMENT BY JULIA LERCHE, FSA, MAAA, MSPH KARAN RUSTAGI, ASA, MAAA BRITTNEY PHILLIPS JANUARY 27, 2015

More information

SHOP Exchange Technology Enablement Options. March 13, 2012

SHOP Exchange Technology Enablement Options. March 13, 2012 SHOP Exchange Technology Enablement Options March 13, 2012 Agenda 1. SHOP Overview 2. SHOP Principles 3. Design Options 4. Option Comparisons 5. Timeline and Recommendation - 1 - Overview: Small Business

More information

Self-insured Plans under Health Care Reform

Self-insured Plans under Health Care Reform Brought to you by Good Neighbor Insurance Self-insured Plans under Health Care Reform The Affordable Care Act (ACA) includes numerous reforms affecting the health coverage that employers provide to their

More information

Treasury, IRS Release Final Rules on Employer Information Reporting Requirements Under Health Care Law

Treasury, IRS Release Final Rules on Employer Information Reporting Requirements Under Health Care Law March 6, 2014 Treasury, IRS Release Final Rules on Employer Information Reporting Requirements Under Health Care Law The Department of the Treasury and the IRS late yesterday (March 6, 2014) released long

More information

The Implications of Reform on the US Health Insurance Industry

The Implications of Reform on the US Health Insurance Industry WHITE PAPER The Implications of Reform on the US Health Insurance Industry Key Research Findings Table of Contents Executive Summary...1 Research Synopsis...2 Strategic Themes Driving Change...3 1. Shift

More information

Increasing efficiency and customer satisfaction, while decreasing lapse rates

Increasing efficiency and customer satisfaction, while decreasing lapse rates Increasing efficiency and customer satisfaction, while decreasing lapse rates Electronic and Aggregated Premium Billing Passage of the Patient Protection and Affordable Care Act of 2010 is driving sweeping

More information

Integrating GRC with Performance Management Demands Enterprise Solutions

Integrating GRC with Performance Management Demands Enterprise Solutions As published in the April n May n June 2008 issue of Integrating GRC with Performance Demands Enterprise Solutions by Lee Dittmar, Principal, Deloitte Consulting LLP and Peter Vogel, Senior Manager, Deloitte

More information

Colorado Legislative Council Staff

Colorado Legislative Council Staff Colorado Legislative Council Staff Room 029 State Capitol, Denver, CO 80203-1784 (303) 866-3521 FAX: 866-3855 TDD: 866-3472 MEMORANDUM October 29, 2012 TO: Interested Persons FROM: Bill Zepernick, Fiscal

More information

Children s Health Coverage Under the ACA Part III: Issue Diagnosis Evolutionary Challenges

Children s Health Coverage Under the ACA Part III: Issue Diagnosis Evolutionary Challenges Children s Health Coverage Under the ACA Part III: Issue Diagnosis Evolutionary Challenges Prepared by Carolina Coleman Funded by the Lucile Packard Foundation for Children s Health January 2014 This brief

More information

Want to Change the Game with Contact Center Vendors? Select Them Differently. The Accenture Vendor Management Framework

Want to Change the Game with Contact Center Vendors? Select Them Differently. The Accenture Vendor Management Framework Want to Change the Game with Contact Center Vendors? Select Them Differently. The Accenture Vendor Management Framework In today s marketplace, companies in a wide range of industries rely on outsourcing

More information

New York Insurance Exchange. Sub-Group Recommendations. June 28, 2010 NYC, NY

New York Insurance Exchange. Sub-Group Recommendations. June 28, 2010 NYC, NY New York Insurance Exchange Sub-Group Recommendations June 28, 2010 NYC, NY New York State Insurance Department Context New York is exploring the merits of reviving the New York Insurance Exchange (NYIE)

More information

The Patient Protection & Affordable Care Act: Next Steps in Maine. February 8, 2013 1

The Patient Protection & Affordable Care Act: Next Steps in Maine. February 8, 2013 1 The Patient Protection & Affordable Care Act: Next Steps in Maine February 8, 2013 1 Maine Medical Association Voluntary membership association of over 3,600 Maine physicians, residents, and medical students

More information

Things Small Businesses Need To Know About Health Care Reform

Things Small Businesses Need To Know About Health Care Reform 7 Things Small Businesses Need To Know About Health Care Reform Make sure your business meets the requirements of the Affordable Care Act on schedule 7 Things Small Businesses Need To Know About Health

More information

What s News in Tax Analysis That Matters from Washington National Tax

What s News in Tax Analysis That Matters from Washington National Tax What s News in Tax Analysis That Matters from Washington National Tax The Impact of the Affordable Care Act on International Assignees and Their Health Care Plans Employers and individuals in the United

More information

Auto insurance telematics The three-minute guide

Auto insurance telematics The three-minute guide Auto insurance telematics The three-minute guide Auto insurance telematics The three-minute guide 1 Why it matters now Telematics is upending the auto insurance world After considerable industry buzz,

More information

Infor Human Capital Management Talent DNA that drives your business

Infor Human Capital Management Talent DNA that drives your business Infor Human Capital Management Talent DNA that drives your business 1 Infor Human Capital Management Align your talent DNA and business strategy to achieve real success Accelerate your business with a

More information

COMPETITION IN THE AUSTRALIAN PRIVATE HEALTH INSURANCE MARKET

COMPETITION IN THE AUSTRALIAN PRIVATE HEALTH INSURANCE MARKET COMPETITION IN THE AUSTRALIAN PRIVATE HEALTH INSURANCE MARKET Page 1 of 11 1. To what extent has the development of different markets in the various states had an impact on competition? The development

More information

Kansas Insurance Department

Kansas Insurance Department Kansas Insurance Department The Affordable Care Act What Happens Now? Kansas Society of CPAs June 5, 2013 Linda J. Sheppard, Special Counsel & Director of Health Care Policy and Analysis 2010 Affordable

More information

2011 Health Insurance Trend Driver Survey

2011 Health Insurance Trend Driver Survey Consulting Health & Benefits 2011 Health Insurance Trend Driver Survey 2011 Health Insurance Trend Driver Survey Contents 2 Introduction Comparison to Other Surveys About the Survey 6 9 Trend and Premium

More information

Introduction. By Santhosh Patil, Infogix Inc.

Introduction. By Santhosh Patil, Infogix Inc. Enterprise Health Information Management Framework: Charting the path to bring efficiency in business operations and reduce administrative costs for healthcare payer organizations. By Santhosh Patil, Infogix

More information

PART 1: ENABLING AUTHORITY AND GOVERNANCE

PART 1: ENABLING AUTHORITY AND GOVERNANCE Application for Approval of an American Health Benefit Exchange On March 23, 2010, the President signed into law the Patient Protection and Affordable Care Act (P.L. 111-148). On March 30, 2010, the Health

More information

NFP Health Case Study: How One Medicaid Plan Prepared for the ACA Commercial Marketplace

NFP Health Case Study: How One Medicaid Plan Prepared for the ACA Commercial Marketplace NFP Health Case Study: How One Medicaid Plan Prepared for the ACA Commercial Marketplace NFP Health designs, implements and operates the administrative infrastructure needed by Medicaid plans to enter

More information

Health Care Reform: What s in the Law

Health Care Reform: What s in the Law Health Care Reform: What s in the Law Professor Sidney D. Watson March 2013 On June 28, 2012, the United States Supreme Court upheld the Affordable Care Act, also known as ObamaCare. The Supreme Court

More information

Fast Forward. 2015 Employer Mandate: Pay or Play?

Fast Forward. 2015 Employer Mandate: Pay or Play? Fast Forward 2015 Employer Mandate: Pay or Play? Employer Mandate Beginning Jan. 1, 2015, the Affordable Care Act (ACA) will impose an employer mandate that states that grandfathered and non-grandfathered

More information

Advanced Analytics for Better Insights. Part of the Insurance series: Benefits of a New Policy Administration System: Why Going Live is Not Enough

Advanced Analytics for Better Insights. Part of the Insurance series: Benefits of a New Policy Administration System: Why Going Live is Not Enough Advanced Analytics for Better Insights Part of the Insurance series: Benefits of a New Policy Administration System: Why Going Live is Not Enough Abstract Insurance professionals agree that data is a key

More information

What is a state health insurance exchange (i.e. "American Health Benefit Exchange")?

What is a state health insurance exchange (i.e. American Health Benefit Exchange)? MEMORANDUM DATE: 11/07/2011 TO: Members of the House Appropriation Subcommittee for LARA FROM: Paul Holland, Fiscal Analyst RE: State Health Insurance Exchanges In response to the requirements pertaining

More information

Illinois Exchange Background Research and Needs Assessment Final Report and Findings. Governor s Reform Implementation Council October 14, 2011

Illinois Exchange Background Research and Needs Assessment Final Report and Findings. Governor s Reform Implementation Council October 14, 2011 Illinois Exchange Background Research and Needs Assessment Final Report and Findings Governor s Reform Implementation Council October 14, 2011 Research & Assessment Illinois, using Federal grant money,

More information

April 2014. Survey Says... Health plans advance retail capabilities Highlights from Deloitte s 2013 Health plan retail capability survey

April 2014. Survey Says... Health plans advance retail capabilities Highlights from Deloitte s 2013 Health plan retail capability survey April 2014 Survey Says... Health plans advance retail capabilities Highlights from Deloitte s 2013 Health plan retail capability survey Retail is a hot topic in the health insurance industry today for

More information

Training Module: Community Exporters

Training Module: Community Exporters Training Module: Community Exporters This training contains general information only and Deloitte is not, by means of this training session, rendering accounting, business, financial, investment, legal,

More information

Reporting Requirements for Employers and Health Plans

Reporting Requirements for Employers and Health Plans Brought to you by Cross Employee Benefits Reporting Requirements for Employers and Health Plans The Affordable Care Act (ACA) created a number of federal reporting requirements for employers and health

More information

Deloitte Analytics. Trusting big data: Perspective on data governance as a customer analytics investment

Deloitte Analytics. Trusting big data: Perspective on data governance as a customer analytics investment Deloitte Analytics Trusting big data: Perspective on data governance as a customer analytics investment Many companies are investing significant amounts in customer analytics to drive their business and

More information

Benefits & Implications of State Workers Compensation Fund Modernization and Privatization

Benefits & Implications of State Workers Compensation Fund Modernization and Privatization www.pwc.com/us/insurance Benefits & Implications of State Workers Compensation Fund Modernization and Privatization State workers compensation funds currently face several challenges related to the overall

More information

CFO Insights How CFOs Can Own Analytics

CFO Insights How CFOs Can Own Analytics CFO Insights How CFOs Can Own Analytics Much has been made about the unprecedented quantities of data companies collect these days, from their own operations, supply chains, production processes, and customer

More information

Federal exchange auto-enrollment: Emerging data and new proposals

Federal exchange auto-enrollment: Emerging data and new proposals Federal exchange auto-enrollment: Emerging data and new proposals Jason A. Clarkson, FSA, MAAA William A. Gibula, ASA, MAAA Paul R. Houchens, FSA, MAAA EXECUTIVE SUMMARY The U.S. Department of Health and

More information

Health Insurance Exchange Overview

Health Insurance Exchange Overview Health Insurance Exchange Overview Minnesota Health Insurance Exchange Advisory Task Force November 8, 2011 Overview Existing Market Challenges What is an Exchange? Exchange Opportunities Exchange Components

More information

REGULATORY UPDATE Vol. 1 No. 18

REGULATORY UPDATE Vol. 1 No. 18 REGULATORY UPDATE Vol. 1 No. 18 FAQs on Exchanges August 7, 2013 IN THIS ISSUE FAQs on Exchanges Employer Mandate Delay Transitional Guidance Issued Individual Mandate Final Rules Issued Possible Exchange

More information

PATIENT PROTECTION AND AFFORDABLE CARE ACT. Status of Federal and State Efforts to Establish Health Insurance Exchanges for Small Businesses

PATIENT PROTECTION AND AFFORDABLE CARE ACT. Status of Federal and State Efforts to Establish Health Insurance Exchanges for Small Businesses United States Government Accountability Office Report to the Chairman, Committee on Small Business, House of Representatives June 2013 PATIENT PROTECTION AND AFFORDABLE CARE ACT Status of Federal and State

More information

The Affordable Care Act: What Public Employers Need to be Doing Now

The Affordable Care Act: What Public Employers Need to be Doing Now The Affordable Care Act: What Public Employers Need to be Doing Now April 30, 2014 J. Richard Johnson IPMA-HR Webinar Copyright 2014 by The Segal Group, Inc. All rights reserved. 1 ACA Update Discussion

More information

Information Life Cycle Management (ILM)

Information Life Cycle Management (ILM) Information Life Cycle Management (ILM) Finding business value in Information Life Cycle Management (ILM): Proactive information management through ILM can reduce cost and risk while creating tangible

More information

Legal billing and predictive coding A fresh way to assess your legal spend

Legal billing and predictive coding A fresh way to assess your legal spend Legal billing and predictive coding A fresh way to assess your legal spend The legal technology industry didn t really come through with its promise of useful real-time analytics on a phase and activity

More information

Financial Services Practice. The Future of Group Life Insurance in the U.S.

Financial Services Practice. The Future of Group Life Insurance in the U.S. Financial Services Practice The Future of Group Life Insurance in the U.S. The Future of Group Life Insurance in the U.S. The Future of Group Life Insurance in the U.S. 1 The group benefits business

More information

Health Care Law Implementation: What Nonprofits Need to Know WELCOME!

Health Care Law Implementation: What Nonprofits Need to Know WELCOME! Health Care Law Implementation: What Nonprofits Need to Know WELCOME! Health Care Law Implementation: What Nonprofits Need to Know (PPACA) Health Care Law Implementation: What Nonprofits Need to Know Heather

More information

The Affordable Care Act and Economics of the Part-Time Workforce: Measuring the Impact of the Affordable Care Act

The Affordable Care Act and Economics of the Part-Time Workforce: Measuring the Impact of the Affordable Care Act The Affordable Care Act and Economics of the Part-Time Workforce: Measuring the Impact of the Affordable Care Act Contents Executive Summary...3 Introduction...4 Data and Research Methodologies...7 Findings

More information

The Patient Protection and Affordable Care Act ( ACA ) and Your Facility

The Patient Protection and Affordable Care Act ( ACA ) and Your Facility The Patient Protection and Affordable Care Act ( ACA ) and Your Facility By Christine Garrity: Chief Administrative Officer & General Counsel for The Professional Golfers' Association of America President

More information