Central Susquehanna Intermediate Unit Professional Leadership Day

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Central Susquehanna Intermediate Unit Professional Leadership Day"

Transcription

1 Central Susquehanna Intermediate Unit Professional Leadership Day 1 Healthcare Benefit Trends & Practices Jon Sapochak, Consulting Actuary, F.S.A., M.A.A.A. Society of Actuaries Motto 2 The work of science is to substitute facts for appearances and demonstrations for impressions. -Ruskin 1

2 Overview 3 Agenda Background healthcare history Where are we today? Healthcare trend and influences Benchmarking Benefit trends and practices What is the healthcare crisis? Where do we go from here? Background 4 Why employer-sponsored insurance? 1920s First health plans began to appear 1943 War Labor Board ruled that wage controls under the 1942 Stabilization Act did not apply to fringe benefits (ex: health insurance) 1954 IRS clarifies that employer-sponsored health benefits are tax-exempt 2

3 Background: How Health Plans Have Changed 5 Early Plans 1970s 1990s 1990s Traditional Plans PPO Plans Point of Service (POS) Plans HMO Plans No network Fee for Service No cost controls Provider Network Fee for Service Limited cost controls Provider Network Fee for Service Capitation Gatekeeper Required referrals Restrictive Network Fee for Service Capitation Gatekeeper Required referrals In-network only Managed care Background: How Health Plans Have Not Changed s 2014 Traditional Plans PPO Plans Point of Service (POS) Plans HMO Plans No network Fee for Service No cost controls Provider Network Fee for Service Limited cost controls Provider Network Fee for Service Capitation Gatekeeper Required referrals Restrictive Network Fee for Service Capitation Gatekeeper Required referrals In-network only Managed care 3

4 Background: What s Next? Future PPO Plans Payment Reform? Provider network Fee for service Limited cost controls Deductibles Coinsurance Office visit copayments Employee costsharing Limited/Tiered Networks Accountable Care Organizations (ACOs) Patient-Centered Medical Homes (PCMHs) Concierge Medicine Direct Primary Care (DPC) Medical Cost Trends and Premium Increases 8 Understanding Medical Cost Trends Medical Cost Trend is a projection of the increase in healthcare costs over the next policy year. Trend is primarily affected by: Price inflation Utilization Government mandated benefits New technology, treatments and therapies Deductible leveraging 4

5 Medical Cost Trend and Premium Increases 9 National and Local Medical Trends Source PricewaterhouseCoopers 9.0% 9.0% 8.5% 7.5% 6.5% Towers Watson 8.0% 8.0% 6.8% 6.0% 7.0% The Segal Group, Inc. (PPO) 10.8% 11.0% 10.0% 8.8% 7.9% Capital BlueCross (PPO) 11.75% 11.75% 11.0% 11.0% 11.0% LOCAL HealthAmerica (PPO) 13.0% 10.4% 11.9% 10.9% 10.9% Highmark Blue Shield (PPO) 12.0% 10.0% 9.5% 10.0% 10.0% United Healthcare (PPO) 12.0% 8.3% 10.1% 10.0% 10.3% Sources: 3, 6, 7, 14 Medical Cost Trend and Premium Increases 10 Medical Trends Actual vs. Expected 12% 10% 10.8% 11.0% 10.0% 8% 6% 4% 2% 0% 7.6% 7.5% 7.3% PPO Projected (without Rx) PPO Actual (without Rx) Sources: 3 5

6 Medical Cost Trend and Premium Increases 11 National and Local Prescription Drug Trends LOCAL Source The Segal Group, Inc. 9.1% 9.2% 7.2% 6.4% 6.3% Capital BlueCross 10.0% 10.0% 10.0% 10.0% 10.0% HealthAmerica 10.5% 9.5% 10.5% 10.5% 10.5% Highmark Blue Shield 11.0% 9.0% 9.0% 11.0% 11.0% United Healthcare 12.6% 12.0% 13.2% 12.7% 10.5% Sources: 3, 14 Medical Cost Trend and Premium Increases 12 Prescription Drug Trends Actual vs. Expected 14% 12% 10% 9.1% 9.0% 8% 6% 4% 6.4% 5.0% 7.2% 5.5% Rx Retail Projected Rx Retail Actual 2% 0% Sources: 3 6

7 Medical Cost Trends and Premium Increases 13 Cost Deflators Care moves to more cost-efficient site of care (i.e. inpatient to outpatient, ER to Urgent Care) Employers moving to high-performance networks Drop in hospital readmissions Increase in high deductible plans Cost Inflators Rise of expensive high cost biologics (specialty drugs) Health industry consolidation Sources: 6 Background: Medical Cost Trend and Premium Increases % 180% Cumulative Changes in Health Insurance Premiums, Inflation, and Workers Earnings, % 160% 140% 120% 100% Health Insurance Workers Earnings Overall InflaNon 80% 60% 40% 20% 0% 50% 40% Sources: 1 7

8 Background: Medical Cost Trend and Premium Increases 15 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 Premium Changes Over Time ($) $5,791 Single Family $16,351 $2,000 $2,196 $ CSIU PPO $0 Premiums: Sources: 1 Single: $7,848 Family: $21,960 $5,884 Healthcare Benefit Trends & Practices 16 How Do Employers Respond to Rising Costs? Funding Arrangement and Benefit Plan Types Employee Claim Cost-Sharing Employee Premium Cost-Sharing Consumer Driven Healthcare Models (QHDHPs w/ HSAs) Defined Contribution Healthcare Models Restrict Employee Healthcare Eligibility (Spousal Eligibility) Audit Dependents Implement Wellness Initiatives 8

9 Healthcare Benefit Trends & Practices 17 How Do Employers Respond to Rising Costs? Funding Arrangement and Benefit Plan Types Employee Claim Cost-Sharing Employee Premium Cost-Sharing Consumer Driven Healthcare Models (QHDHPs w/ HSAs) Defined Contribution Healthcare Models Restrict Employee Healthcare Eligibility (Spousal Eligibility) Audit Dependents Implement Wellness Initiatives 18 The three-legged stool : (an imperfect metaphor) Benefit Plan Design Premium Cost-Sharing Eligibility 9

10 Healthcare Reform: Plan Value 19 Benefit Plan Tiers Bronze Plan Considered minimum value coverage and base coverage in the Marketplace (with exception of catastrophic plan below); covers actuarial value of 60% plan costs OOP Limit equal to HSA limits ($6,350/$12,700 for 2014) Silver Plan Covers actuarial value of 70% plan costs Gold Plan Covers actuarial value of 80% plan costs Platinum Plan - Covers actuarial value of 90% plan costs Catastrophic Plan Available for individuals up to age 30 Coverage Levels set at HSA current limit (except preventive care and 3 PCP visits exempt from deductible) PPACA Metal Tier Examples 20 Benefit Plan Tiers PlaEnum Gold Silver Bronze DeducEble $750/$1,500 $1,000 / $2,000 $2,500 / $5,000 $6,250 / $12,500 Coinsurance 0% 10% 20% N/A Coinsurance OOP Limit $0 $1,500 / $3,000 $3,000 / $6,000 N/A OV Copays $20 $30 $40 N/A Rx Copays $5/$20/$35 $10/$30/$50 $15/$35/$60 N/A Actuarial Value 90% 80% 70% 60% Actuarial Value equivalents shown above are based on esemates from the Actuarial Value calculator provided by HHS. The benefit plans shown above do not include all of the plan details that were included in the calculaeon and are for illustraeve purposes only. 10

11 Benefit Plan Design 21 Employee Claim Cost-Sharing Deductibles Coinsurance Office visit copayments Urgent care and emergency room copayments Prescription drug copayments Employee Claims Cost-Sharing: Deductibles 22 Percentage of PPO Plans with $0 Deductible 50% 45% 43% 40% 35% 30% 33% 25% 20% 19% 15% 10% 5% 0% Kaiser Survey CSAct Survey Sources: 1, 8 11

12 Employee Claims Cost-Sharing: Deductibles 23 Percentage of Plans with Deductible of $1,000 or Greater Single Coverage 40% 35% 30% 38% 34% 25% 20% 15% 10% 5% 10% 6% 0% Kaiser Survey CSAct Survey Sources: 1, 8 Employee Claims Cost-Sharing: Deductibles 24 Local Plans with $0 Deductible and $1,000 + Deductible 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% 43% 34% 19% 6% Sources: 8 $0 DeducNble $1,000 + DeducNble 12

13 Focus Area: High Deductible Health Plans 25 High Deduc+ble Health Plans with HSAs Employers Offering Qualified HDHP/HSA 60% 50% 40% 30% 20% 10% 22% 23% 20% 15% 16% 9% 7% 39% 36% 32% 23% 20% 20% 14% 55% 51% 45% 45% 43% 41% 42% 0% Sources: 15 Small (<500) Medium (500-4,999) Large(>5,000) Focus Area: High Deductible Health Plans 26 High Deductible Health Plans Generally PPO plans with a large deductible level (at least $1,000 per individual or higher) IRS Qualified Plans subject to minimum deductibles ($1,300 for a single in 2015) Often paired with an account structure to cover part of the deductible Health Savings Account (HSA) Health Reimbursement Arrangement (HRA) Also referred to as Consumer-Driven Health Plans ; theory being that the more the participants have financial responsibility for healthcare expenses, the more efficiently they will utilize healthcare services. 13

14 Focus Area: High Deductible Health Plans 27 High Deductible Health Plan Goals Save money Make employees better consumers Avoid the 2018 Excise (Cadillac) Tax Encourage employees to save for future care expenses (Health Savings Account) Medical Cost Trend and Premium Increases 28 Excise Tax in 2018 (Cadillac Tax) What is the tax? All plans having annual premiums or cost values of $10,200 ($850/month) per employee or $27,500 ($2,292/month) per family on an annual basis will face an excise tax of 40% beginning in Are many plans in danger of this tax? Based on Kaiser s current premium averages for Single and Family coverage, an annual increase of 8% between now and 2018 will push the average plan near these limits: NATIONAL: 2018 Estimated Projected Annual Premiums (8% Increase per year) Approximate Annual Single Premium: $8,600 Approximate Annual Family Premium: $24,000 NORTHEAST: 2018 Estimated Projected Annual Premiums (8% Increase per year) Approximate Annual Single Premium: $9,000 Approximate Annual Family Premium: $25,500 14

15 Employee Cost-Sharing 29 Total Cost of Health Coverage per Employee National - Average Family of Four Central Susquehanna Intermediate Unit Total Annual Cost - $22,030 Total Annual Cost - $22,749 Employer ContribuNons Employee ContribuNons Employee Out- of- Pocket Cost $3,600 16% Employer ContribuNons Employee ContribuNons Employee Out- of- Pocket Cost $2,129 9% $2,143 9% 25% 58% $5,544 $12,886 81% $18,477 Sources: 5 Employee Premium-Sharing 30 Average Employee Premium Cost-Sharing Percentage 40% 35% 30% 25% 20% 15% 18% 29% 16% 36% 19% Single Coverage 26% 13% 30% Family Coverage 32% 21% 21% 27% 14% 21% 22% 27% 10% 5% 0% Kaiser- All Kaiser EE's Kaiser EE's Bureau of Labor - State/ Local Gov't Bureau of Labor - Private HHS/AHRQ CSAct Survey & Clients Lancaster Chamber Business Group on Health Sources: 1, 4, 8, 11, 18 15

16 Employee Premium-Sharing 31 Employee Premium Contributions for Individual and Family Coverages 35% 30% 25% 20% 15% 10% 5% [VALUE] [VALUE] 29% 18% 0% Individual Family Sources: 1 The Healthcare Crisis 32 The Iron Triangle of Healthcare Quality Access Cost 16

17 The Healthcare Crisis 33 The Healthcare Crisis Costs are increasing at a rate greater than revenues Employers are unable to afford to maintain the level of coverage previously offered to employees There is a limit to how much cost can be shifted to employees The current system cannot be sustained without sacrificing something else No one is going to volunteer to take less The Healthcare Crisis 34 Who is responsible for the healthcare crisis? A: Health Insurers B: Providers/Hospitals C: Government D: Employers (Plan Sponsors) E: Employees (Consumers) F: All of the above 17

18 The Healthcare Crisis 35 Who is responsible for solving the healthcare crisis? A: Health Insurers B: Providers/Hospitals C: Government D: Employers (Plan Sponsors) E: Employees (Consumers) F: All of the above The Healthcare Crisis 36 Consumers need to become part of the solution The choices we make directly impact the cost of healthcare, both in the short- and long-term Current trend is to move toward models that focus on changing consumer behavior Wellness plans Consumer driven health plans Incentives influence behavior 18

19 In Closing 37 The Tragedy of the Commons Economic theory by Garrett Hardin Sustainability versus over-consumption Acting in self-interest hurts the common good What does it say about healthcare? Solution? External Regulation failed once in healthcare Cooperation everyone agreeing to use resources responsibly Sources 38 Sources 1. Kaiser/HRET Employer Health Benefits, 2013 Annual Survey 2067 Participants 2. SHRM, 2013 Employee Benefits Segal Health Plan Cost Trend Survey 4. Business of Labor Statistics Publication October 17, 2013 National Compensation Survey, March Milliman Medical Index 6. PricewaterhouseCoopers Behind the Numbers Medical Cost Trends for 2014, June Towers Watson 2014 Employee Survey on Purchasing Value in Health Care 8. CSAct Medical & Prescription Drug Survey, CSAct Clients Information, 2013/ Conrad Siegel Actuaries Worksite Wellness Survey, Lancaster County Business Group on Health Ebri.org Issue Brief February Vol 35, No Ebri.org Issue Brief January No Local Carriers Underwriting Departments April Mercer, November 20, Aon Hewitt Publication October 17, Federal Employees Health Benefit Program (FEHBP) 18. US Department of Health and Human Services AHRQ (Agency for Healthcare Research and Quality) Devenir HSA Research Report 20. JP Morgan HSA Snapshot February Ebri.org Issue Brief January 2014 No Drug Trend Report Express Script Lab April

20 39 CSIU Professional Leadership Day Healthcare Benefit Trends & Practices This analysis is for illustrative purposes only, and is not a guarantee of future expenses or claims costs. There are many ways that future health care costs can be affected including utilization patterns, catastrophic claimants, changes in plan design, demographic changes, etc. This analysis does not amend or change the coverage provided by the actual insurance policies and contracts. 20

Understanding Private Health Insurance Plan Choices and Provider Networks

Understanding Private Health Insurance Plan Choices and Provider Networks Understanding Private Health Insurance Plan Choices and Provider Networks Definitions Deductible Out-of-Pocket-Maximum Embedded Deductible Aggregate Deductible Networks PPO EPO HMO POS - HDHP HSA Catastrophic

More information

HEALTH INSURANCE CHALLENGES FACING NON-PROFITS

HEALTH INSURANCE CHALLENGES FACING NON-PROFITS HEALTH INSURANCE CHALLENGES FACING NON-PROFITS Presented by: Diane Goldman, New Agency Partners Warren Cooperstein, Benefit Mall Rob Schlossberg, Benefit Mall December 12, 2012 THE PROBLEM Steadily Increasing

More information

2014 Medical Plans. Health Net Blue & Gold HMO Kaiser HMO UC Care Blue Shield Health Savings Plan Core

2014 Medical Plans. Health Net Blue & Gold HMO Kaiser HMO UC Care Blue Shield Health Savings Plan Core 2014 Medical Plans Health Net Blue & Gold HMO Kaiser HMO UC Care Blue Shield Health Savings Plan Core UC Care PPO Blue Shield of California claims administrator & network UC Select Providers Customized

More information

Small Group Plan Options HMO

Small Group Plan Options HMO HMO Platinum Plans These plans will cover about 90% of your service and you are responsible for the other 10% Benefits Platinum Platinum Platinum 25 / 50 / 500 HMO 20 / 40 / 1000 HMO 20 / 40 HMO Deductible

More information

Health Insurance Marketplace in Illinois Plan Comparison Charts

Health Insurance Marketplace in Illinois Plan Comparison Charts 2015 Independent Authorized Agent for An Independent Licensee of the Blue Cross Blue Shield Association Health Insurance Marketplace in Illinois Plan Comparison Charts preventive services and maternity

More information

HMO. 2015 Individual HMO Plans Comparison of Benefits. Page 1

HMO. 2015 Individual HMO Plans Comparison of Benefits. Page 1 2015 Individual HMO Plans Comparison of Benefits HMO (including 15 Routine Specialist Visit (including Behavioral HF Platinum HMO Select 100 1300 100% $800 / $1,600 $1,000 / $2,000 $0 $15 $35 $35 0% HF

More information

Setting and Valuing Health Insurance Benefits

Setting and Valuing Health Insurance Benefits Chris L. Peterson Specialist in Health Care Financing April 6, 2009 Congressional Research Service CRS Report for Congress Prepared for Members and Committees of Congress 7-5700 www.crs.gov R40491 Contents

More information

List of Insurance Terms and Definitions for Uniform Translation

List of Insurance Terms and Definitions for Uniform Translation Term actuarial value Affordable Care Act allowed charge Definition The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%,

More information

Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future.

Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. Simple answers to health reform s complex issues facing every employer, and what you can do now to protect your business and your future. If you have any questions, please contact: Health Reform: A Guide

More information

www.shopcabrokers.com 1-866-98-COVER [26837]

www.shopcabrokers.com 1-866-98-COVER [26837] Sharp Health Plan is proud to be selected as a Covered California health insurance plan. Our successful track record in San Diego County for providing innovative and affordable health coverage aligns with

More information

Health Insurance 101. A brief overview of health insurance 10/15/09

Health Insurance 101. A brief overview of health insurance 10/15/09 Health Insurance 101 A brief overview of health insurance 10/15/09 Health Care vs. Health Insurance Health Care is Provision of Medical Services by Private Physicians and Hospitals (private pay or insurance)

More information

$243.41 $34.69 16.62% 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze 26 $ 212.88

$243.41 $34.69 16.62% 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze 26 $ 212.88 Marketplace plans that were available in Coverage years and/or 2015. 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze 0-20 $ 132.01 $153.95 $21.94 16.62% 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze

More information

Healthy Business Chat 07/10/2014

Healthy Business Chat 07/10/2014 Healthy Business Chat 07/10/2014 1 What Is An Insurance Exchange? An Insurance Exchange is an organized marketplace for insurance plans to compete and offer services efficiently in the small group and

More information

MERCER S NATIONAL SURVEY OF EMPLOYER-SPONSORED HEALTH PLANS. MTEBC, February, 2013

MERCER S NATIONAL SURVEY OF EMPLOYER-SPONSORED HEALTH PLANS. MTEBC, February, 2013 MERCER S NATIONAL SURVEY OF EMPLOYER-SPONSORED HEALTH PLANS MTEBC, February, 2013 Agenda Top Stories Market developments (influence of Health Reform) Details on cost and design CDHP - H.S.A - H.R.A PPO

More information

Health care reform at-a-glance. August 2014

Health care reform at-a-glance. August 2014 Health care reform at-a-glance August 2014 Employer mandate Shared responsibility payment for failing to offer coverage to at least 95%* of all fulltime employees (FTE) and children if any FTE gets subsidy

More information

HUMAN RESOURCE EXECUTIVE WEBINAR PREPARING FOR HEALTH CARE EXCHANGES

HUMAN RESOURCE EXECUTIVE WEBINAR PREPARING FOR HEALTH CARE EXCHANGES HUMAN RESOURCE EXECUTIVE WEBINAR PREPARING FOR HEALTH CARE EXCHANGES FEBRUARY 13, 2013 Tracy Watts, Partner Mercer, Washington DC AGENDA FOR TODAY Evolution of health care benefits environment Public Exchanges

More information

2014 Delaware Qualified Health Plans

2014 Delaware Qualified Health Plans 2014 Delaware Qualified Health Plans Individual Market Overview October 8, 2013 www.pcghealth.com Topics Overview of QHPs in the Individual Market QHP Issuers Plan Summary Premium Rates and Cost-Sharing

More information

Health Insurance. Where should you SHOP for your health insurance coverage? Decision-Making Guide presented by Bob Hopper Insurance Services

Health Insurance. Where should you SHOP for your health insurance coverage? Decision-Making Guide presented by Bob Hopper Insurance Services Health Insurance Where should you SHOP for your health insurance coverage? Decision-Making Guide presented by Bob Hopper Insurance Services We ll help you locate the health plan that offers the best value

More information

Health Insurance for PLTS Students. KAREN MARRINER, MBA Licensed Insurance Agent KM Consulting

Health Insurance for PLTS Students. KAREN MARRINER, MBA Licensed Insurance Agent KM Consulting Health Insurance for PLTS Students KAREN MARRINER, MBA Licensed Insurance Agent KM Consulting True or False? Individuals can be charged more for their health insurance for having medical conditions. All

More information

Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010

Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 Selected Employer Provisions in the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010 This chart outlines, in depth, selected provisions in the Patient

More information

13.9% 12.9%* 11.2% 10.9%* 9.2%* 8.2%* 7.7%* 6.1%* A n n u a l S u r v e y - A N D -

13.9% 12.9%* 11.2% 10.9%* 9.2%* 8.2%* 7.7%* 6.1%* A n n u a l S u r v e y - A N D - 10.9%* 12.9%* 13.9% T h e K a i s e r F a m i l y F o u n d a t i o n - A N D - H e a l t h R e s e a r c h a n d E d u c a t i o n a l T r u s t 11.2% Employer 2007 Health 9.2%* 8.2%* Benefits 2 0 0 7

More information

Scott Lyon, Senior Vice President Small Business Association of Michigan

Scott Lyon, Senior Vice President Small Business Association of Michigan Scott Lyon, Senior Vice President Small Business Association of Michigan Patient Protection and Affordable Care Act H.R. 3590 Health Care & Education Affordability Reconciliation Act H.R. 4872 20,000 30,000

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

The Health Insurance Marketplace

The Health Insurance Marketplace The Health Insurance Marketplace A CONSUMER S INTRODUCTION BY DAVID STEWART HYNDMAN/BEDFORD HEALTH CENTERS PRESENTED BY MICHELLE BAKER FULTON COUNTY MEDICAL CENTER What is it? What did it do? THE AFFORDABLE

More information

HEALTH CARE REFORM CHECKLIST

HEALTH CARE REFORM CHECKLIST HEALTH CARE REFORM CHECKLIST As a small employer, you need to be aware of the new regulations tied to the Affordable Care Act. Refer to this checklist to ensure you understand each one and that you re

More information

What You Need to Know About Health Care Reform

What You Need to Know About Health Care Reform What You Need to Know About Health Care Reform A Toolkit for Small Employer Group Administrators What s inside Health care reform offers new choices for small businesses... 1 Why New Jersey businesses

More information

The New ACA Health Insurance Exchanges

The New ACA Health Insurance Exchanges The New ACA Health Insurance Exchanges Benefit Designs Relating to Prescription Medicines and Other Health Care Items and Services HEALTH Overview of Presentation: Summary of National Data o o Executive

More information

4/8/2013. Health Care Reform and the. NYS Exchange. Dr. Arthur Vercillo, MD Regional President April 8, 2013. Health Care Reform and the NYS Exchange

4/8/2013. Health Care Reform and the. NYS Exchange. Dr. Arthur Vercillo, MD Regional President April 8, 2013. Health Care Reform and the NYS Exchange Health Care Reform and the NYS Exchange Presentation to the Health Planning Council Advisory Board April 8, 2013, Ithaca NY By Dr. Arthur Vercillo, MD Additional resources on next to last slide. Health

More information

Health Pool Comparison Matrix NLC-RISC Trustees Conference, Newport, Rhode Island

Health Pool Comparison Matrix NLC-RISC Trustees Conference, Newport, Rhode Island Pool Size - Member groups - Covered lives - Annual premium - Current surplus 590 covered entities 56,655 covered lives $404.5 million annual contributions $88.7 million current surplus 265 member groups

More information

Individual and Family Plans

Individual and Family Plans Effective: January 1, 2015 Individual and Family Plans find a plan that fits you live by your own plan a plan for your life Everyone s needs are unique, and it s important to find a plan that best fits

More information

INDIVIDUAL HEALTH INSURANCE In Maine

INDIVIDUAL HEALTH INSURANCE In Maine A Consumer s Guide To... INDIVIDUAL HEALTH INSURANCE In Maine Published by: The Maine Bureau of Insurance September 2015 Paul R. LePage Governor Eric A. Cioppa Superintendent Basics of Individual Health

More information

Q. My company already offers employee health coverage, how does the law impact me?

Q. My company already offers employee health coverage, how does the law impact me? Frequently Asked Questions Q. Will my business be required to provide employee health insurance under the health care law? A. The law does not mandate employers provide employees health care coverage.

More information

Health Care Reform: 2015 Refresher of the Affordable Care Act (ACA)

Health Care Reform: 2015 Refresher of the Affordable Care Act (ACA) Health Care Reform: 2015 Refresher of the Affordable Care Act (ACA) Brought to you by Aon Presented by: Ryan Comstock & Shawna Brown This information is provided for informational purposes only and is

More information

$6,025 $16,834 THE KAISER FAMILY FOUNDATION - AND - HEALTH RESEARCH & EDUCATIONAL TRUST. Employer Health Benefits. -and- Annual Survey

$6,025 $16,834 THE KAISER FAMILY FOUNDATION - AND - HEALTH RESEARCH & EDUCATIONAL TRUST. Employer Health Benefits. -and- Annual Survey 55% $16,834 THE KAISER FAMILY FOUNDATION - AND - HEALTH RESEARCH & EDUCATIONAL TRUST Employer Health Benefits 2014 Annual Survey $6,025 2014 -and- Primary Authors: KAISER FAMILY FOUNDATION Gary Claxton

More information

LEARN. Your guide to health insurance. How to choose the best plan for you and your family

LEARN. Your guide to health insurance. How to choose the best plan for you and your family LEARN Your guide to health insurance How to choose the best plan for you and your family Table of Contents Understanding health insurance...1 Health care law and you...2 Health insurance basics...4 Why

More information

Health insurance Marketplace. What to expect in 2014

Health insurance Marketplace. What to expect in 2014 Health insurance Marketplace What to expect in 2014 Overview The Affordable Care Act (ACA) includes several provisions geared to extend greater access to health insurance benefits to more people. Beginning

More information

Healthcare Reform: Preparing Your Practice For Implementation of the. HMWC Healthcare Education Leadership Program. Affordable Care Act (ACA)

Healthcare Reform: Preparing Your Practice For Implementation of the. HMWC Healthcare Education Leadership Program. Affordable Care Act (ACA) Healthcare Reform: Preparing Your Practice For Implementation of the HMWC Healthcare Education Leadership Program Affordable Care Act (ACA) September 12, 2013 Main Provisions Signed into law on March 23,

More information

Cost-sharing Charges in Marketplace Health Insurance Plans - Part II

Cost-sharing Charges in Marketplace Health Insurance Plans - Part II September 2013 Cost-sharing Charges in Marketplace Health Insurance Plans - Part II Starting in January 2014, new health insurance marketplaces (also called exchanges) will provide a way for people to

More information

HEALTH INSURANCE CONSULTING FEBRUARY 21, 2013

HEALTH INSURANCE CONSULTING FEBRUARY 21, 2013 1 HEALTH INSURANCE CONSULTING FEBRUARY 21, 2013 2 INSURANCE BROKER TOOLKIT Medical Dental Life Disability Vision Employee Assistance Program (EAP) Supplemental (AFLAC) Flexible Spending Account (FSA) Health

More information

Health care reform at-a-glance. December 2013

Health care reform at-a-glance. December 2013 December 2013 Employer mandate Play or pay penalty for failing to offer coverage to at least 95% of all full-time employees (FTE) and children if any FTE gets subsidy in exchange $2,000 (indexed) times

More information

Health Care Reform. Frequently Asked Questions. June 2013

Health Care Reform. Frequently Asked Questions. June 2013 Health Care Reform Frequently Asked Questions June 2013 Frequently Asked Questions (FAQs) What is a health insurance marketplace or exchange? A marketplace, or exchange, is a website where you can shop

More information

Using A High Deductible Health Insurance Plan

Using A High Deductible Health Insurance Plan Better Coverage With Lower Costs Using A High Deductible Health Insurance Plan Presented by: Jonathan Burr Principal Benemax, The Benefit Management Company Debbie Zapasnik Human Resources Manager Community

More information

Survey: 2014-15 C&B Trucking Industry Benchmark Survey - -

Survey: 2014-15 C&B Trucking Industry Benchmark Survey - - Survey: 2014-15 C&B Trucking Industry Benchmark Survey - - Welcome to the 2014-15 Trucking Benchmark Survey Please complete all sections of this survey as they apply to your company's current employee

More information

INDIVIDUAL RESPONSIBILITY

INDIVIDUAL RESPONSIBILITY Health Care Reform (HCR), Affordable Care Act (ACA), Mandates, Regulations, Health Insurance Marketplace, Health Insurance Exchanges, Penalties What does all this mean to you in 2014? There are many health

More information

Private Insurance Fundamentals: Health Insurance Coverage, the Market, and Insurance Regulation. Bernadette Fernandez February 25, 2011

Private Insurance Fundamentals: Health Insurance Coverage, the Market, and Insurance Regulation. Bernadette Fernandez February 25, 2011 Private Insurance Fundamentals: Health Insurance Coverage, the Market, and Insurance Regulation Bernadette Fernandez February 25, 2011 Health Insurance Insurance provides protection from economic loss

More information

2015-2016: What You Need To Know About The Affordable Care Act

2015-2016: What You Need To Know About The Affordable Care Act 2015-2016: What You Need To Know About The Affordable Care Act A nonprofit independent licensee of the Blue Cross Blue Shield Association National strength. Local focus. Individual care. SM We are committed

More information

Health Insurance Part 1. Health Policy Eric Jacobson

Health Insurance Part 1. Health Policy Eric Jacobson Health Insurance Part 1 Health Policy Eric Jacobson Introduction The field of health care has made great strides during the last century. This increase in quality has been accompanied by a much greater

More information

Effective Date: The date on which coverage under an insurance policy begins.

Effective Date: The date on which coverage under an insurance policy begins. Key Healthcare Insurance Terms Agent: A person who represents an insurance company and solicits or sells the company s insurance products. An agent may represent a single company or multiple companies.

More information

Survey: 2014-15 C&B Trucking Industry Benchmark Survey - -

Survey: 2014-15 C&B Trucking Industry Benchmark Survey - - Survey: 2014-15 C&B Trucking Industry Benchmark Survey - - Welcome to the 2014-15 Trucking Benchmark Survey Please complete all sections of this survey as they apply to your company's current employee

More information

High Deductible Health Plans A Cost-Conscious Option. Smart Benefit Solutions. White Paper. September 2011

High Deductible Health Plans A Cost-Conscious Option. Smart Benefit Solutions. White Paper. September 2011 Smart Benefit Solutions White Paper High Deductible Health Plans A Cost-Conscious Option September 2011 40950 Woodward Ave. Suite 360 Bloomfield Hills, MI 248-594-5550 www.austinfg.com 2 Table of Contents

More information

American employers need prompt action on these six significant challenges. We urge Congress and the administration to address them now.

American employers need prompt action on these six significant challenges. We urge Congress and the administration to address them now. In June 2014, the Board of Directors of the American Benefits Council (the Council) approved a long-term public policy strategic plan, A 2020 Vision: Flexibility and the Future of Employee Benefits. It

More information

$6,251 $17,545 THE KAISER FAMILY FOUNDATION - AND - HEALTH RESEARCH & EDUCATIONAL TRUST. Employer Health Benefits. Annual Survey.

$6,251 $17,545 THE KAISER FAMILY FOUNDATION - AND - HEALTH RESEARCH & EDUCATIONAL TRUST. Employer Health Benefits. Annual Survey. 57% $17,545 THE KAISER FAMILY FOUNDATION - AND - HEALTH RESEARCH & EDUCATIONAL TRUST Employer Health Benefits 2015 Annual Survey $6,251 2015 -and- Primary Authors: KAISER FAMILY FOUNDATION Gary Claxton

More information

SPD Benefits. October 29th through November 19th, 2014 at Noon EST

SPD Benefits. October 29th through November 19th, 2014 at Noon EST SPD Benefits October 29th through November 19th, 2014 at Noon EST 2015 Overview What stays the same in 2015? No plan design changes for Dental and Vision. No premium changes for Dental and Vision. No changes

More information

WASHINGTON QUALIFIED HEALTH PLAN SELECTION: CONSIDERATIONS FOR CONSUMERS

WASHINGTON QUALIFIED HEALTH PLAN SELECTION: CONSIDERATIONS FOR CONSUMERS WASHINGTON QUALIFIED HEALTH PLAN SELECTION: CONSIDERATIONS FOR CONSUMERS December 2013 Support for this resource provided through a grant from the Robert Wood Johnson Foundation s State Health Reform Assistance

More information

Employer Health Benefits

Employer Health Benefits 61% $5,615 2012 T H E K A I S E R F A M I L Y F O U N D A T I O N - A N D - H E A L T H R E S E A R C H & E D U C A T I O N A L T R U S T Employer Health Benefits Employer-sponsored insurance is the leading

More information

Health care reform: Past, present and future. Manufacturer & Business Association September 25, 2013

Health care reform: Past, present and future. Manufacturer & Business Association September 25, 2013 Health care reform: Past, present and future Manufacturer & Business Association September 25, 2013 Agenda Health Care Reform - The Past - The Present - Coverage - Exchanges - The Future Questions 1 The

More information

Controlling Employee Healthcare Costs for Small Business Owners

Controlling Employee Healthcare Costs for Small Business Owners Hardwood Manufacturers Association National Conference March 15, 2011 Controlling Employee Healthcare Costs for Small Business Owners Presented by: Gary S. Koppele CPA, ARM Hardwood Manufacturers Association

More information

Joel Allumbaugh CEO, National Worksite Benefit Group President, Maine Association of Health Underwriters 207.623.1110 ext. 201 joel@nwbgroup.

Joel Allumbaugh CEO, National Worksite Benefit Group President, Maine Association of Health Underwriters 207.623.1110 ext. 201 joel@nwbgroup. Joel Allumbaugh CEO, National Worksite Benefit Group President, Maine Association of Health Underwriters 207.623.1110 ext. 201 joel@nwbgroup.com How Does Insurance Work? Employee Perspective Best case

More information

How the Affordable Care Act affects small group employers

How the Affordable Care Act affects small group employers How the Affordable Care Act affects small group employers Health care reform is upon us. While many of the provisions of the Affordable Care Act, or ACA, have already been implemented, the big ones are

More information

Group Health Insurance: A Valued Employee Benefit

Group Health Insurance: A Valued Employee Benefit Vertex Wealth Management, LLC Michael J. Aluotto, CRPC President Private Wealth Manager 1325 Franklin Ave., Ste. 335 Garden City, NY 11530 516-294-8200 mjaluotto@1stallied.com Group Health Insurance: A

More information

2015 Summary of Healthcare Plan Changes

2015 Summary of Healthcare Plan Changes 2015 Summary of Healthcare Plan Changes Change Plan names the OA POS plan becomes the Comprehensive Care Plan and the HSA OA POS plan becomes the Consumer Choice HSA plan Comprehensive Care Plan Increase

More information

State Health Plan Benefits North Carolina Retired Governmental Employees Association April 2015

State Health Plan Benefits North Carolina Retired Governmental Employees Association April 2015 State Health Plan Benefits North Carolina Retired Governmental Employees Association April 2015 Presentation Overview Medicare Eligible Plan Options 2015 Annual Enrollment Results Outreach Events Enrollment

More information

Health plans for individuals and families

Health plans for individuals and families 2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll

More information

Brookhaven Science Associates, LLC. 2016 Guide To: Medical Programs Health Savings Account Health Care Reimbursement Account

Brookhaven Science Associates, LLC. 2016 Guide To: Medical Programs Health Savings Account Health Care Reimbursement Account Brookhaven Science Associates, LLC 2016 Guide To: Medical Programs Health Savings Account Health Care Reimbursement Account 1 2 Here s What You ll Find In This Booklet ITEM PAGE # OVERVIEW... 5 MEDICAL

More information

Medicare & UC Medical Benefits

Medicare & UC Medical Benefits Medicare & UC Medical Benefits UCSB Health Care Facilitator Program Laura Morgan 893-4201 UC Retirement Administration Service Center (RASC) 1-800-888-8267 This presentation is intended for communication

More information

Impact of the Health Insurance Marketplace on Participant Cost Sharing for Pharmacy Benefits

Impact of the Health Insurance Marketplace on Participant Cost Sharing for Pharmacy Benefits Impact of the Health Insurance Marketplace on Prepared for: (PhRMA) Prepared by: Milliman, Inc. Michael J. Gaal, FSA, MAAA Actuary Jason Gomberg, FSA, MAAA Actuary Troy M. Filipek, FSA, MAAA Principal

More information

Educational Presentation: Affordable Care Act. City of Boston PEC Meeting April 8, 2014

Educational Presentation: Affordable Care Act. City of Boston PEC Meeting April 8, 2014 Educational Presentation: Affordable Care Act City of Boston PEC Meeting April 8, 2014 Discussion Topics Affordable Care Act Plan Design Implications ACA Wellness Guidelines Assuring Administrative Compliance

More information

Using the MEPS-IC* to Understand the Impact of the ACA**

Using the MEPS-IC* to Understand the Impact of the ACA** Using the MEPS-IC* to Understand the Impact of the ACA** Alice Zawacki, PhD Alice.M.Zawacki@Census.gov U.S. Census Bureau, Center for Economic Studies Federal Economic Statistics Advisory Committee December

More information

$5,615 $15,745. Employer Health Benefits 2012 ANNUAL SURVEY. High-Deductible Health Plans with Savings Option. section

$5,615 $15,745. Employer Health Benefits 2012 ANNUAL SURVEY. High-Deductible Health Plans with Savings Option. section 61% $15,745 Employer Health Benefits 2012 ANNUAL SURVEY High-Deductible Health Plans with Savings Option section $5,615 2012 HIGH-DEDUCTIBLE HEALTH PLANS WITH SAVINGS OPTION Changes in law over the past

More information

Health Insurance Buyers Guide. What You Need to Know to Get Started

Health Insurance Buyers Guide. What You Need to Know to Get Started Health Insurance Buyers Guide What You Need to Know to Get Started Time to Enroll The Affordable Care Act has changed the way that many people get health insurance. You may have more options and more ways

More information

BEST PRACTICES Health Insurance Marketplace Guidance

BEST PRACTICES Health Insurance Marketplace Guidance BEST PRACTICES Health Insurance Marketplace Guidance TABLE OF CONTENTS: Health Insurance Marketplace 3 Small Business Options 8 Notification of Exchanges 10 Common Pitfalls 13 Staffing Plus Solutions 14

More information

2016 HIV Pre-Exposure Prophylaxis (PrEP) Health Insurance Assessment

2016 HIV Pre-Exposure Prophylaxis (PrEP) Health Insurance Assessment 2016 HIV Pre-Exposure Prophylaxis (PrEP) Health Insurance Assessment December 2015 Report produced by: Cesar Egurrola Clinical Coordinator Petersen Clinics Shannon Smith Director, Special Projects Department

More information

Health plans for individuals and families

Health plans for individuals and families 2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll

More information

Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family.

Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family. Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family. Ready to get started? We re here for you online, on the phone or in person. Visit for a quick and free

More information

Consumer-Driven Strategies: What do we know about Health Savings Accounts and Other Account-Based Health Plans?

Consumer-Driven Strategies: What do we know about Health Savings Accounts and Other Account-Based Health Plans? Consumer-Driven Strategies: What do we know about Health Savings Accounts and Other Account-Based Health Plans? Paul Fronstin, Ph.D. Director, Health Research & Education Program March 14, 2007 Copyright

More information

ACA Overview: Emerging Benefit Strategies. Presented By: Mark Kaczmarek, Cottingham & Butler

ACA Overview: Emerging Benefit Strategies. Presented By: Mark Kaczmarek, Cottingham & Butler ACA Overview: Emerging Benefit Strategies Presented By: Mark Kaczmarek, Cottingham & Butler 1 The Affordable Care Act (ACA) Objectives Employer Shared Responsibility Individual Mandate Medicaid Expansion

More information

SURVIVAL GUIDE FOR SMALL BUSINESS

SURVIVAL GUIDE FOR SMALL BUSINESS HEALTH INSURANCE MARKETPLACE SURVIVAL GUIDE FOR SMALL BUSINESS Vermont edition NAVIGATING NEXT STEPS IN HEALTH CARE REFORM There s a constant stream of changes and updates related to health care reform,

More information

Delaware Rates for Aetna Life Insurance Company Marketplace QHPs - Individual Marketplace Plan Year 2016

Delaware Rates for Aetna Life Insurance Company Marketplace QHPs - Individual Marketplace Plan Year 2016 Delaware s for Aetna Life Insurance Company Marketplace QHPs - Individual Marketplace Plan Year 2016 that were available in Coverage years and/or. Tobacco Change ($) 29497DE0090001 Aetna Bronze $20 Copay

More information

Health Care Reform: General Q&A for Employees

Health Care Reform: General Q&A for Employees From Baugher Financial & Associates, Inc. Health Care Reform: General Q&A for Employees Common questions answered I ve heard a lot about the health care reform law. When do the reforms become effective?

More information

WASBO Federal Health Care Reform Patient Protection and Affordable Care Act

WASBO Federal Health Care Reform Patient Protection and Affordable Care Act WASBO Federal Health Care Reform Patient Protection and Affordable Care Act What and Employer Needs to Know for 2015 & 2016 May 15, 2015 David A. Grunke Sr. Director, Sales Operations WPS Health Insurance

More information

EssentialCare. PLAN HIGHLIGHTS. $0 co-pay for preventive care, screenings, and immunizations. No referral needed to see specialist.

EssentialCare. PLAN HIGHLIGHTS. $0 co-pay for preventive care, screenings, and immunizations. No referral needed to see specialist. EssentialCare. PLAN HIGHLIGHTS $0 co-pay for preventive care, screenings, and immunizations. No referral needed to see specialist. ADDITIONAL OFFERINGS Free access to Stat DoctorsTM, a telemedicine service

More information

Controlling Medical Insurance Premiums. August 7, 2007

Controlling Medical Insurance Premiums. August 7, 2007 Controlling Medical Insurance Premiums August 7, 2007 Damon Thompson Graduated from Austin College in 1979. Immediately began working with business owners for their insurance needs. Began working with

More information

2015 HEALTH INSURANCE OPTIONS

2015 HEALTH INSURANCE OPTIONS INSURANCE PLUS Rose Gagliardi 15 West Main Street President Oyster Bay, NY 11771 516-922-1200 / 212-268-4473 516-922-2801 fax rose@insuranceplusny.com www.insuranceplusny.com September 16, 2015 2015 HEALTH

More information

MODERNIZE YOUR HEALTH PLAN BY INCREASING INDIVIDUAL HEALTH OWNERSHIP

MODERNIZE YOUR HEALTH PLAN BY INCREASING INDIVIDUAL HEALTH OWNERSHIP MODERNIZE YOUR HEALTH PLAN BY INCREASING INDIVIDUAL HEALTH OWNERSHIP Lancaster County Business Group on Health, Forecast Breakfast, September 25, 2014 Impact of ACA & Pharmacy on UHC Clients Financial:

More information

Your guide to health care reform provisions

Your guide to health care reform provisions Your guide to health care reform provisions February 2014 edition Since the Patient Protection and Affordable Care Act (PPACA) was enacted in March 2010, businesses have been impacted by federal health

More information

Employer Health Benefit Survey. Release Slides Tuesday, August 20, 2013

Employer Health Benefit Survey. Release Slides Tuesday, August 20, 2013 Employer Health Benefit Survey Release Slides Tuesday, August 20, 2013 Cumulative Increases in Health Insurance Premiums, Workers Contributions to Premiums, Inflation, and Workers Earnings, 1999-2013 250%

More information

Healthcare Reform: Patient Protection & Affordable Care Act (PPACA)- FACT.FICTION.FUTURE

Healthcare Reform: Patient Protection & Affordable Care Act (PPACA)- FACT.FICTION.FUTURE Healthcare Reform: Patient Protection & Affordable Care Act (PPACA)- FACT.FICTION.FUTURE Joanna Antongiovanni TX Assoc. of Health Underwriters - Past President 2014 Embedded Pediatric Dental VS Stand Alone

More information

2014 Milliman Medical Index

2014 Milliman Medical Index 2014 Milliman Medical Index 12% 10% Annual Rate of Increase in the Milliman Medical Index 8% 6% Where do we go from here? 4% 2% 0% 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

More information

Open Enrollment 2015 November 12 November 26

Open Enrollment 2015 November 12 November 26 Open Enrollment 2015 November 12 November 26 November 4 & 6, 2014 1 Brief Review of Affordable Care Act (ACA) What You Need to Know What you Need to do by November 26 What s New or Changing in 2015 Do

More information

Individual Family FAQ s

Individual Family FAQ s Individual Family FAQ s Frequently Asked Questions By Topic Individual and Family Health Insurance Why will individual and family health insurance work for me? What kinds of individual and family insurance

More information

Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange

Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange Choosing the Best Plan for You: A Tool for Purchasing Coverage in the Health Insurance Exchange The Affordable Care Act (ACA) makes health insurance available to nearly all Americans and the law requires

More information

Health Savings Accounts & High Deductible Health Plans

Health Savings Accounts & High Deductible Health Plans Health Savings Accounts & High Deductible Health Plans Definitions Consumer Driven Health Plan ( CDHP ) A health insurance plan designed to give you more control over your health care spending. CDHPs incorporate

More information

Health Care Reform How it Will Affect Employers and their Group Health Plans. Benecon Comments and Observations

Health Care Reform How it Will Affect Employers and their Group Health Plans. Benecon Comments and Observations Health Care Reform How it Will Affect Employers and their Group Health Plans This Health Care Reform Summary applies to all employers (including government and church plans) that provide health coverage

More information

Corporate Health Exchange Frequently Asked Questions

Corporate Health Exchange Frequently Asked Questions Corporate Health Exchange Frequently Asked Questions FAQs Quick Start Menu If you have a specific question, see if it s here in the list below and click on the link to be taken directly to the answer you

More information

HEFFERNAN BENEFIT ADVISORY SERVICES 2014 HEALTH CARE TREND REPORT

HEFFERNAN BENEFIT ADVISORY SERVICES 2014 HEALTH CARE TREND REPORT HEFFERNAN BENEFIT ADVISORY SERVICES 2014 HEALTH CARE TREND REPORT HEFFERNAN BENEFIT ADVISORY SERVICES TABLE OF CONTENTS What is Trend 1 Medical Trend Projections 2 Historic National Medical Trend 2 Dental

More information

ACTUARIAL VALUE AND EMPLOYER- SPONSORED INSURANCE

ACTUARIAL VALUE AND EMPLOYER- SPONSORED INSURANCE NOVEMBER 2011 ACTUARIAL VALUE AND EMPLOYER- SPONSORED INSURANCE SUMMARY According to preliminary estimates, the overwhelming majority of employer-sponsored insurance (ESI) plans meets and exceeds an actuarial

More information

About the ViewsLetter

About the ViewsLetter IN THIS ISSUE Population Health Management: The Future of Controlling Health Plan Cost?... 1 Volume Seventeen Issue Two May 2014 Population Health Management: The Future of Controlling Health Plan Cost?

More information

Mercer s National Survey of Employer-Sponsored Health Plans 2007

Mercer s National Survey of Employer-Sponsored Health Plans 2007 February 21, 2008 s National Survey of Employer-Sponsored Health Plans 2007 Bob Boyer, Indianapolis Services provided by Health & Benefits LLC Welcome! About the survey Largest and most comprehensive annual

More information

Health Care Reform: Ready or Not, Here it Comes! Presented by:

Health Care Reform: Ready or Not, Here it Comes! Presented by: Broader Perspective. Business Solutions. Health Care Reform: Ready or Not, Here it Comes! Presented by: Ryan Fridborg, MAOD, SPHR Executive Vice President, Employee Benefits rfridborg@boltonco.com Marilyn

More information

Workshop D. 1:00 pm. to 2:30 p.m.

Workshop D. 1:00 pm. to 2:30 p.m. Workshop D Advanced Practices Significant Impact of the Affordable Care Act on Participatory Wellness Programs, ROI, and Compliance with Regulations Effective January 1st 1:00 pm. to 2:30 p.m. Biographical

More information