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

Size: px
Start display at page:

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

Transcription

1 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 the official position of the State of Washington or the Washington Health Benefit Exchange Board or Staff. 1

2 The Washington Health Benefit Exchange As laid out in Substitute Senate Bill 5445, twenty nominations for the Exchange Board were submitted by the house and senate caucuses and included individuals with expertise in individual health care coverage, small employer health care coverage, health benefits plan administration, health care finance and economics, actuarial science, and/or administering a public or private health care delivery system. Initial members of the board will serve staggered terms not to exceed four years. On March 15th, 2012, the Board assumed governing authority over the Exchange. The Exchange Board Goals Increase access to affordable health plans. Organize a transparent and accountable insurance market -- to facilitate consumer choice. Provide an efficient, accurate and customer-friendly eligibility determination process. Enhance health plan competition on value -- price, access, quality, service, and innovation. 2

3 /8/2014 Exchange Committee Structure Exchange Board Policy Committee Operations Committee Advisory Committee Agents & Brokers TAC Dental TAC Health Equity TAC Navigator TAC SHOP TAC Workgroups The U.S. Healthcare Industry Currently under enormous financial strain and demographic pressure, healthcare will have to reinvent itself over the next few decades. National Health Expenditures (Billions USD) 3,000 2,500 2,000 1,500 1, National Health Expenditure as Share of GDP (Percent) In 2012: $2.8 Trillion dollars $8,937 per person By 2020: $13,709 per person (projected) SOURCE: Centers for Medicare & Medicaid Services, Office of the Actuary, National Health Statistics Group 6 3

4 Source: Deloitte Washington is a Leading State in the Process of Securing $178 Million for Exchange Establishment & Medicaid Eligibility Systems 8 4

5 Building The Exchange HCA receives one-year $22.9 million grant to design and develop Exchange SSB 5445 passed creating Exchange as public private partnership Governor names Exchange Board members Board begins governing authority ESSHB 2319 passed Deloitte Consulting, LLP, signs on as system integrator Exchange names first CEO and moves into new building Washington becomes second Level 2 establishment grant recipient, $128 million Exchange moves onto own payroll and accounting systems Sustainability plan submitted to Legislature WA HBE receives conditional approval from HHS/CCIIO to operate the state exchange 2013 Exchange must be certified by HHS Additional legislative action taken as needed Open Enrollment begins (October 1) 2014 Coverage purchased in the Exchange begins Open enrollment ends March 31. Year 2 open enrollment in Oct. 9 Exchange Functions Certifying health plans as Qualified Health Plans to be offered in the exchange. o The final rule allows Exchanges to work with health insurers on structuring qualified health plan choices that are in the best interest of their customers. This could mean that the Exchange allows any health plan meeting the standards to participate or that the Exchange creates a competitive process for health plans to gain access to customers on the Exchange Standards for Health Plans o Exchanges, working with state insurance departments, to set specific standards to ensure that each qualified health plan gives consumers access to a variety of providers within a reasonable amount of time. Exchanges will also establish marketing standards to make sure that qualified health plans do not market plans in a way that discriminates against people with illnesses. 5

6 Exchange Functions Consumer Interactions Operating a website to facilitate comparisons among qualified health plans for consumers Operating a toll-free hotline for consumer support, providing grant funding to entities called Navigators for consumer assistance, and conducting outreach and education to consumers regarding Exchanges 12 6

7 Affordable Care Act Terminology Illustration Issuer Issuer Product Plan Product 1 Plan 1 Plan 2 Product 2 Plan 3 Plan

8 Exchange Value Specific Functions I. Issuers of QHPs Marketing & Outreach Eligibility Determination for tax credits Enrollment Premium Aggregation Customer Service Enrollment reconciliation with HHS New Membership opportunity previously uninsured II. Health Care Market Easy plan comparison and purchase of health insurance Reporting of cost/quality metrics Awareness of need for health insurance Supporting use of innovative product designs and payment methodologies Expanded access to health insurance coverage Reduced charity care III. Public and State Appeals of eligibility determinations and individual responsibility Information on health insurance carriers Trustworthy source of health care reform information Broad-based Public Information Other impacts of ACA 15 Exchange Functions SMALL BUSINESS HEALTH OPTIONS (SHOP) Exchanges will operate a Small Business Health Options Program (SHOP). SHOP will allow employers to choose the level of coverage they will offer and offer the employees choices of all qualified health plans within that level of coverage. This allows employees a choice among plans and can select the one that best fits their needs and their budget. Employers can offer coverage from multiple insurers, just like larger companies and government employee plans, but get a single bill and write a single check. SHOP Exchanges can also allow employers to select a single plan to offer its employee Starting in 2014, small employers purchasing coverage through SHOP may be eligible for a tax credit of up to 50% of their premium payments if they have 25 or fewer employees, pay employees an average annual wage of less than $50,000, offer all full time employees coverage, and pay at least 50% of the premium. 8

9 Coverage Continuum in * * Federal Basic Health Plan Option for individuals with incomes between 138% and 200% of the FPL will not be available in To-Be Landscape: Continuous Coverage Medicaid Standard CHIP Family Planning Extension Take Charge Family Planning Psych. Indigent Inpatient Program Involuntary Treatment Act ADATSA Basic Health Plan Medical Care Services Program SSI Presumptive Medicaid Standard Medicaid Benchmark CHIP QHP with Subsidy QHP without Subsidy Note: Transition options to be addressed by State Legislature. 18 9

10 Individuals (in thousands) 6/8/2014 Post Implementation of the Affordable Care Act (ACA): Subsidized Coverage Landscape in Washington million current enrollees ,000 currently eligible but not enrolled** 494,000 newly eligible Current Enrollees Currently Eligible Newly Eligible but Not Enrolled ,000 eligible for subsidies Eligible for Subsidies in the Exchange Currently Enrolled (Medicaid) Currently Enrolled (CHIP) Total Eligible Likely to Take Up 2014 Note: Analysis forecast assumes full take up rate and the ACA was in effect in **Includes individuals who have access to other coverage (e.g., employer sponsored insurance). Sources: The ACA Medicaid Expansion in Washington, Health Policy Center, Urban Institute (May 2012); The ACA Basic Health Program in Washington State, Health Policy Center, Urban Institute (May 2012) ; Milliman Market Analysis; and Washington Health Care Authority for Medicaid/CHIP enrollment. 19 Membership Growth: New Members PROJECTED EXCHANGE MEMBER ENROLLMENT ( YEAR END) 10

11 The Metallics 60/40 70/30 80/20 90/10 Bronze Silver Gold Platinum Four Levels of Benefits No One Ever Washes A Rental Car 11

12 The Current Marketplace MARKET % Employer Direct Purchase Medicaid Medicare Military Uninsured 4% 13% 14% 47% 14% 8% 12

13 13

14 Post Implementation of the ACA: Remaining Uninsured Undocumented immigrants Individuals exempt from the mandate who choose to not be insured (e.g., because coverage not affordable) Individuals subject to the mandate who do not enroll (and are therefore subject to the penalty) Individuals who are eligible for Medicaid but do not enroll 27 Exchange Functions Apply the Essential Health Benefit Plan Levels established by Essential Health Benefits QHP s must include items and services within at least the following 10 categories: Ambulatory patient services Emergency services Hospitalization Maternity and newborn care Mental health and substance use disorder services, including behavioral health treatment Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive and wellness services and chronic disease management, and Pediatric services, including oral and vision care 14

15 Exchange Functions and Services Highlight Products, Oversee Navigators Develop, Host Website Customer Support, Quality Rating System Review & Certify Qualified Plans Aggregate Premiums Determine Eligibility, Tax Credits 29 Washington State QHP Issuers Per County 15

16 16

17 Questions Optional Discussion Slides 17

18 18

19 19

20 20

21 21

Health Insurance Marketplace. vhealth insurance exchanges. What to expect in 2014. What to expect in 2014

Health Insurance Marketplace. vhealth insurance exchanges. What to expect in 2014. What to expect in 2014 vhealth insurance exchanges Health Insurance Marketplace What to expect in 2014 What to expect in 2014 The basics of exchanges As part of the Affordable Care Act (ACA or health care reform law), starting

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

American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA)

American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA) American Health Benefit Exchanges Fact Sheet A Provision of the Patient Protection and Affordable Care Act (PPACA) This Fact Sheet reflects the Final Ruling published by the Department of Health and Human

More information

Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE

Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE Laurus Strategies Legislative Brief: COMPREHENSIVE HEALTH COVERAGE ESSENTIAL HEALTH BENEFITS PACKAGE The Affordable Care Act (ACA) requires non grandfathered health insurance plans in the individual and

More information

HEALTH INSURANCE MARKETPLACES FACT SHEET

HEALTH INSURANCE MARKETPLACES FACT SHEET HEALTH INSURANCE MARKETPLACES FACT SHEET INFORMED ON REFORM Overview A Health Insurance Marketplace, also known as a Health Insurance Exchange, is available in every state as a public option for individuals

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update Overview of the Affordable Care Act and the Federally Facilitated marketplace. September 2014 AFFORDABLE CARE ACT» The Affordable Care Act: Establishes a Health

More information

The Health Insurance Marketplace

The Health Insurance Marketplace The Health Insurance Marketplace An Overview of Arizona Enrollment in Medicaid and the Marketplace: Health-e-Arizona Plus update Rural Health Webinar August 7, 2013 What is the Affordable Care Act? The

More information

Federal Health Reform FAQs

Federal Health Reform FAQs Federal Health Reform FAQs Individuals 1. What is an exchange? An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.

More information

Affordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013

Affordable Care Act HEALTHCARE.GOV. Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 HEALTHCARE.GOV Affordable Care Act Marketplace Implementation Briefing Virginia Organizing Marketplace Public Forum August 20, 2013 Joanne Corte Grossi, MIPP Regional Director U.S. Department of Health

More information

Kansas Insurance Department

Kansas Insurance Department Kansas Insurance Department A Kansas Guide to Health Insurance Changes Public Policy Session Panel Discussion KAMU Annual Conference Sept. 26, 2013 Sandy Praeger, Commissioner of Insurance 2014 Affordable

More information

THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER

THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER THE AFFORDABLE CARE ACT IN VIRGINIA --THE BASICS-- MARY FRANCES CHARLTON Attorney and ACA Coordinator LEGAL AID JUSTICE CENTER Overview Affordable Care Act, aka Obamacare Goals Affordable Insurance Coverage

More information

An Overview of Arizona Enrollment in the Affordable Care Act (ACA) Marketplace. Presented by: Jaime Perikly, Health Choice

An Overview of Arizona Enrollment in the Affordable Care Act (ACA) Marketplace. Presented by: Jaime Perikly, Health Choice An Overview of Arizona Enrollment in the Affordable Care Act (ACA) Marketplace Presented by: Jaime Perikly, Health Choice Affordable Care Act The Patient Protection and Health Care Law of 2010, amended

More information

The Vermont Health Benefit Exchange: An Update for Small Business Owners

The Vermont Health Benefit Exchange: An Update for Small Business Owners The Vermont Health Benefit Exchange: An Update for Small Business Owners Today s Presentation Health Reform Goals Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like?

More information

State Roles in Implementing Health Insurance Exchanges

State Roles in Implementing Health Insurance Exchanges State Roles in Implementing Health Insurance Exchanges By Alex Azarian August 2012 Principal Policy Analyst The Affordable Care Act (ACA) requires states to establish competitive insurance marketplaces,

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

The New Health Insurance Marketplace. Choices and Opportunities for Small Groups

The New Health Insurance Marketplace. Choices and Opportunities for Small Groups The New Health Insurance Marketplace Choices and Opportunities for Small Groups What is the Affordable Care Act? The Patient Protection and Affordable Care Act (ACA) was signed into law on March 23, 2010

More information

Understanding the Health Insurance Marketplace. August 2013

Understanding the Health Insurance Marketplace. August 2013 Understanding the Health Insurance Marketplace August 2013 Objectives This session will help you Explain the Health Insurance Marketplace Identify who will benefit Define who is eligible Explain the enrollment

More information

The Affordable Care Act: The Health Insurance Marketplace -- What Does It Mean for Individuals, Families, and Employers?

The Affordable Care Act: The Health Insurance Marketplace -- What Does It Mean for Individuals, Families, and Employers? The Patient Protection and Affordable Care Act (ACA) includes provisions that will have significant implications for individuals, families and employers in 2014. These provisions include: The creation

More information

The Vermont Health Benefit Exchange: An Update

The Vermont Health Benefit Exchange: An Update The Vermont Health Benefit Exchange: An Update Today s Discussion Health Reform Goals & Timeline Overview of Health Care Reform What is the Exchange? What Does the Exchange Look Like? Plan Design Enrollment

More information

Anticipating the Health Insurance Marketplace in Texas

Anticipating the Health Insurance Marketplace in Texas Anticipating the Health Insurance Marketplace in Texas HFMA Lone Star Chapter Fall Institute September 16, 2013 1 About Community Health Choice Non-profit Health Maintenance Organization licensed by the

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

AMERICAN HEALTH BENEFIT EXCHANGES

AMERICAN HEALTH BENEFIT EXCHANGES AMERICAN HEALTH BENEFIT EXCHANGES As we have previously reported, beginning January 1, 2014, the GHLIT will stop offering AVMA members medical insurance. However, members and small employers will be able

More information

Health Insurance Marketplaces

Health Insurance Marketplaces Health Insurance Marketplaces 2013 Zywave, Inc. All rights reserved. Presented by Employer Flexible What is Health Care Reform? The Affordable Care Act (ACA) was enacted in March 2010. Biggest overhaul

More information

Presentation for Licensed Producers The Affordable Care Act

Presentation for Licensed Producers The Affordable Care Act Presentation for Licensed Producers The Affordable Care Act Bruce Donaldson, CHC Producer & Stakeholder Specialist Arkansas Insurance Department Affordable Care Act The ACA was passed by Congress and signed

More information

Presented by South Dakota Community Action Partnership

Presented by South Dakota Community Action Partnership Presented by South Dakota Community Action Partnership The project described was supported by Funding Opportunity Number CA-NAV-13-001 from the U.S Department of Health and Human Services, Centers for

More information

It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform.

It goes by many names: Patient Protection and Affordable Care Act (PPACA) or ACA or Obama Care or simply Healthcare Reform. WHAT IS HEALTHCARE REFORM? Healthcare Reform (HCR) is a law passed by Congress that provides many different requirements. A very important aspect of the law is that it is designed to provide individuals

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

Exchanges and the ACA What You Need to Know for 2014

Exchanges and the ACA What You Need to Know for 2014 Exchanges and the ACA What You Need to Know for 2014 How the Affordable Care Act affects the Individual Health Insurance Market This presentation is for informational purposes only and does not constitute

More information

THE HEALTH INSURANCE MARKETPLACE

THE HEALTH INSURANCE MARKETPLACE THE HEALTH INSURANCE MARKETPLACE Presented by Raffa Financial Services Source: Centers for Medicare & Medicaid Services Design 2013 Zywave, Inc. All rights reserved. OBJECTIVES This session will help you:

More information

Health Care Reform Update

Health Care Reform Update Small Businesses No Financial Requirements for Small Businesses: The ACA imposes no financial requirements for small businesses to contribute to their employees health insurance. However, beginning in

More information

The Impact of Health Care Reform on Community Health Centers in Colorado. Kristen Pieper Policy Manager Colorado Community Health Network

The Impact of Health Care Reform on Community Health Centers in Colorado. Kristen Pieper Policy Manager Colorado Community Health Network The Impact of Health Care Reform on Community Health Centers in Colorado Kristen Pieper Policy Manager Colorado Community Health Network Presentation Topics Background information on CCHN, Colorado CHCs,

More information

David Lyons Founding Director and Chief Executive Officer

David Lyons Founding Director and Chief Executive Officer The New Health Insurance Marketplace Changes Impacting Small Employers and the SHOP Opportunity David Lyons Founding Director and Chief Executive Officer CoOportunity Health 10/1/2013 1 Why the Change?

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update Overview of the Affordable Care Act and the Federally Facilitated marketplace. September 2015 AFFORDABLE CARE ACT OVERVIEW» The Affordable Care Act was enacted

More information

The ACA and Exchanges: Becker s Hospital Review. A Catalyst for Change and Emerging Liability Issues

The ACA and Exchanges: Becker s Hospital Review. A Catalyst for Change and Emerging Liability Issues The ACA and Exchanges: Becker s Hospital Review A Catalyst for Change and Emerging Liability Issues WAMSS Lake Chelan Waterfront Resort Phil Dyer, Senior Vice President Healthcare Management Services Kibble

More information

The ACA and Healthcare Exchanges

The ACA and Healthcare Exchanges The ACA and Healthcare Exchanges 1 Key Healthcare Exchange Dates April 12, 2012 - Governor Cuomo issued Executive Order #42 to establish Exchanges. December 14, 2012 - New York Receives Conditional Approval

More information

THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID

THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID THE AFFORDABLE CARE ACT: THE AFFORDABLE COVERAGE OPTIONS AND CONSIDERATIONS IN 2014 THE NEW HEALTH INSURANCE: MARKETPLACE AND MEDICAID Deloris Summers Deaf In-Person Counselor Navigator Jacksonville Area

More information

HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND

HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND WWW.BKLAWYERS.COM HEALTH REFORM AND MULTIEMPLOYER PLAN COVERAGE 2014 AND BEYOND ABA SECTION OF LABOR AND EMPLOYMENT LAW EMPLOYEE BENEFITS COMMITTEE MID- WINTER MEETING 201 BLITMAN & KING LLP Franklin Center,

More information

Affordable Care Act Health Insurance Exchanges Jim Wotring & Gary Macbeth

Affordable Care Act Health Insurance Exchanges Jim Wotring & Gary Macbeth Affordable Care Act Health Insurance Exchanges Jim Wotring & Gary Macbeth National Technical Assistance Center for Children s Mental Health, Georgetown University What We Are Talking About Today Exchanges

More information

Health Care Reform Frequently Asked Questions (FAQ) Consumers Employers

Health Care Reform Frequently Asked Questions (FAQ) Consumers Employers This page provides answers to frequently asked questions (FAQ) regarding The Patient Protection and Affordable Care Act (PPACA; P.L. 111-148) and the Health Care and Education Reconciliation Act of 2010

More information

The Healthcare Law April 19, 2010

The Healthcare Law April 19, 2010 The Healthcare Law April 19, 2010 This healthcare bill, recently made law, is a comprehensive overhaul that increases coverage to 94% of Americans and makes sweeping changes to our current healthcare system.

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

The Affordable Care Act: What Does it Mean for Individuals and Families?

The Affordable Care Act: What Does it Mean for Individuals and Families? The Affordable Care Act: What Does it Mean for Individuals and Families? FIRM Team Fact Sheet 13-04 Available at http://www.firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan

More information

Washington Health Benefit Exchange

Washington Health Benefit Exchange Washington Health Benefit Exchange WA-AK HFMA CONFERENCE February 21, 2013 Phil Dyer Board Member DISCLAIMER; The views and information expressed are my personal opinions and perspectives and do not represent

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

Nebraska Health Insurance Exchange Update

Nebraska Health Insurance Exchange Update Nebraska Health Insurance Exchange Update State of Nebraska s Health Insurance Exchange A Presentation to the Public September, 2012 TODAY'S AGENDA Section 1: Overview of Health Insurance Exchanges Section

More information

GLOSSARY OF KEY HEALTH INSURANCE CONCEPTS

GLOSSARY OF KEY HEALTH INSURANCE CONCEPTS The Affordable Care Act: A Working Guide for MCH Professionals Module 2 GLOSSARY OF KEY HEALTH INSURANCE CONCEPTS Overview A fundamental first step in accessing health care in the United States is having

More information

The Health Insurance Marketplace 101. May 2013

The Health Insurance Marketplace 101. May 2013 The Health Insurance Marketplace 101 May 2013 Affordable Care Act Coverage Accomplishments 3.1 million young adults have gained insurance through their parents plans 6.1 million people with Medicare through

More information

Understanding the Impact of Health Care Reform

Understanding the Impact of Health Care Reform Understanding the Impact of Health Care Reform Esteban López, MD, MBA Regional President Disclaimer: The content contained within this presentation is for general informational purposes only and does not

More information

Health Care Reform: Policy Implications for the Future

Health Care Reform: Policy Implications for the Future Health Care Reform: Policy Implications for the Future Michigan Primary Care Association Douglas M. Paterson, MPA Director of State Policy Promoting, supporting, and developing comprehensive, accessible,

More information

The Affordable Care Act. President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010.

The Affordable Care Act. President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. The Affordable Care Act President Obama signed the Affordable Care Act (ACA) into law on March 23, 2010. The ACA was enacted to: v Increase quality and affordability of health insurance v Lower the uninsured

More information

Health Insurance Marketplace 101 1

Health Insurance Marketplace 101 1 Affordable Care Act Coverage Accomplishments May 2013 3.1 million young adults have gained insurance through their parents plans 6.1 million people with Medicare through 2012 received $5.7 billion in prescription

More information

Health Insurance Marketplace Basics

Health Insurance Marketplace Basics Health Insurance Marketplace Basics Amanda Ptashkin, JD Outreach and Advocacy Director aptashkin@healthyfuturega.org 404-890-5804 WHY SHOULD I GET COVERAGE? Access to the health care system Financial protection

More information

Update. Director of Policy and National Health Care Reform Coordinator. Roni Mansur Chief Operating Officer. Board of Directors Meeting March 8, 2012

Update. Director of Policy and National Health Care Reform Coordinator. Roni Mansur Chief Operating Officer. Board of Directors Meeting March 8, 2012 National Health Care Reform Update Kaitlyn Kenney Director of Policy and National Health Care Reform Coordinator Roni Mansur Chief Operating Officer Board of Directors Meeting March 8, 2012 Agenda Update

More information

The Affordable Care Act: Health Coverage Options & Considerations in 2014

The Affordable Care Act: Health Coverage Options & Considerations in 2014 The Affordable Care Act: Health Coverage Options & Considerations in 2014 J A C K S O N V I L L E A R E A C H A M B E R O F C O M M E R C E A U G U S T 2 7, 2 0 1 3 L A U R A M I N Z E R E X E C U T I

More information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Employer Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required by the

More information

THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION. Linda J. Sheppard November 6, 2014

THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION. Linda J. Sheppard November 6, 2014 THE KANSAS AFFORDABLE CARE ACT IMPLEMENTATION Linda J. Sheppard November 6, 2014 The Kansas Market Approximately 348,000 Kansans are uninsured - 12.3% of the state s population 44,130 are children, but

More information

Review of Market Rules for the Commercial Market

Review of Market Rules for the Commercial Market Review of Market Rules for the Commercial Market What Makes up the Commercial Market? Individual Market Through MNSure and from carriers directly ( Off-Exchange ) Small Group Market Through MNSure s SHOP

More information

Health Reform Changes: What s New for 2014? New Hampshire Insurance Department September 11, 2013

Health Reform Changes: What s New for 2014? New Hampshire Insurance Department September 11, 2013 Health Reform Changes: What s New for 2014? New Hampshire Insurance Department September 11, 2013 1 New Hampshire Insurance Department Presentation Overview What s New in 2014 Key Questions for Individuals

More information

Fact Sheet. AARP Public Policy Institute. Health Reform Changes Insurance Rules

Fact Sheet. AARP Public Policy Institute. Health Reform Changes Insurance Rules Fact Sheet Health Reform Changes Insurance Rules The Affordable Care Act (ACA) will greatly increase the availability of health insurance and broadly impact the delivery of health care in America. This

More information

Health Policy Essentials: Private Health Insurance. Bernadette Fernandez, Annie Mach, & Namrata Uberoi February 13, 2015

Health Policy Essentials: Private Health Insurance. Bernadette Fernandez, Annie Mach, & Namrata Uberoi February 13, 2015 Health Policy Essentials: Private Health Insurance Bernadette Fernandez, Annie Mach, & Namrata Uberoi February 13, 2015 Briefing Agenda What is the purpose of private health insurance (PHI)? How is PHI

More information

Washington State Health Care Authority Comments: Department of Health and Human Services Essential Health Benefit Bulletin

Washington State Health Care Authority Comments: Department of Health and Human Services Essential Health Benefit Bulletin Washington State Health Care Authority Comments: Department of Health and Human Services Essential Health Benefit Bulletin The Washington State Health Care Authority (HCA) is pleased to submit comments

More information

Find health care options that meet your needs and fit your budget. ctober 2014

Find health care options that meet your needs and fit your budget. ctober 2014 O Health Insurance Find health care options that meet your needs and fit your budget. ctober 2014 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law generally requiring

More information

Health Insurance Exchange

Health Insurance Exchange Health Insurance Exchange Lynn A. Blewett, Ph.D. Professor, Division of Health Policy and Management, University of Minnesota School of Public Health Director, State Health Access Data Assistance Center

More information

Patient Protection and Affordable Care Act of 2009: Health Insurance Exchanges

Patient Protection and Affordable Care Act of 2009: Health Insurance Exchanges Patient Protection and Affordable Care Act of 2009: Health Insurance Exchanges Provision Notes Standards SUBTITLE D AVAILABLE COVERAGE CHOICES FOR ALL AMERICANS PART I Establishment of Qualified Health

More information

The SHOP Marketplace. New Health Insurance Options for Small Businesses. August 2013

The SHOP Marketplace. New Health Insurance Options for Small Businesses. August 2013 The SHOP Marketplace New Health Insurance Options for Small Businesses August 2013 What is the SHOP Marketplace? SHOP = Small Business Health Options Program A new, streamlined way for small employers

More information

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE

State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE State of Wisconsin / OFFICE OF THE COMMISSIONER OF INSURANCE Scott Walker, Governor Theodore K. Nickel, Commissioner Wisconsin.gov 125 South Webster Street P.O. Box 7873 Madison, Wisconsin 53707-7873 Phone:

More information

The Health Insurance Marketplace 101. July 2013

The Health Insurance Marketplace 101. July 2013 The July 2013 The Problem Insurance companies could turn away the 129 million Americans with pre-existing conditions Premiums had more than doubled over the last decade, while insurance company profits

More information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information

Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information Patient Protection and Affordable Care Act (ACA) ACA Guide for Group Employers Agent and Broker Information DISCLAIMER 2 This information is being provided in an effort to alert you to changes required

More information

OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS

OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS OVERVIEW OF PRIVATE INSURANCE MARKET REFORMS IN THE PATIENT PROTECTION AND AFFORDABLE CARE ACT AND RESOURCES FOR FREQUENTLY ASKED QUESTIONS Brief Prepared by MATTHEW COKE Senior Research Attorney LEGISLATIVE

More information

AFFORDABLE CARE ACT FAQ

AFFORDABLE CARE ACT FAQ AFFORDABLE CARE ACT FAQ What is the Healthcare Insurance Marketplace? The Marketplace is a new way to find quality health coverage. It can help if you don t have coverage now or if you have it but want

More information

The Affordable Care Act: What Does It Mean for Self-Employed Individuals in Agriculture and Small Business?

The Affordable Care Act: What Does It Mean for Self-Employed Individuals in Agriculture and Small Business? FIRM Team Fact Sheet 13-03 Available at http://firm.msue.msu.edu David B. Schweikhardt Adam J. Kantrovich Brenda R. Long Michigan State University Extension October 2013 The Patient Protection and Affordable

More information

5Want to know more about the health

5Want to know more about the health www. WHAT S INSIDE STEPS TO UNDERSTANDING OBAMACARE Introduction 4 Step 1 Does your current health insurance plan need to change? 6 Step 2 How will you pay for health insurance in 2014? 10 Step 3 What

More information

What s in the Healthcare Law for you and your Business

What s in the Healthcare Law for you and your Business What s in the Healthcare Law for you and your Business How the new law impacts your bottom line Marcia Dávalos Disneyland Hotel - Anaheim, CA October 17, 2013 About Small Business Majority Small business

More information

UPDATE: Small Business Marketplace. September, 2013

UPDATE: Small Business Marketplace. September, 2013 UPDATE: Small Business Marketplace September, 2013 Agenda What is the NY State of Health Eligibility and Enrollment Consumer Assistance Qualified Health Plans Small Business Marketplace Policy changes

More information

#21 - Should You Provide Health Insurance in 2014?

#21 - Should You Provide Health Insurance in 2014? #21 - Should You Provide Health Insurance in 2014? Yes, for all size groups, but only if you can afford it and it serves other purposes (such as controlling competition for employees or you don t want

More information

Effective dates for provisions of the PPACA are spread out from 2010 through 2018. This document focuses on 2013 and 2014.

Effective dates for provisions of the PPACA are spread out from 2010 through 2018. This document focuses on 2013 and 2014. As part of our ongoing initiative to provide added value to our customers, this health care reform summary is being provided on an information only basis. This is NOT a legal document and is not intended

More information

Medicare taxes on higher income families $318. Cadillac tax on high-cost plans $111. Employer mandate $106

Medicare taxes on higher income families $318. Cadillac tax on high-cost plans $111. Employer mandate $106 ACA Changes Created new way of counting Medicaid income Removed asset tests for some Medicaid groups Increased Medicaid income levels for children Raised age limit for coverage of children who age-out

More information

A Healthy Florida Works Program. Policy Proposal. The smart choice for individuals and businesses in Florida

A Healthy Florida Works Program. Policy Proposal. The smart choice for individuals and businesses in Florida A Healthy Florida Works Program Policy Proposal The smart choice for individuals and businesses in Florida TABLE OF CONTENTS Introduction Executive Summary Program Description 3 5 6 Coverage Population

More information

A,B,C s of Obama Care What do you need to know? How will it affect you and your family?

A,B,C s of Obama Care What do you need to know? How will it affect you and your family? Elephant in the Room A,B,C s of Obama Care What do you need to know? How will it affect you and your family? Confused? What will you learn in this webinar? O What is Obamacare? O What has it done so far?

More information

The Effect of the Affordable Care Act on Your Small Business. Presented to : Greater Kansas City Chamber Business Class

The Effect of the Affordable Care Act on Your Small Business. Presented to : Greater Kansas City Chamber Business Class The Effect of the Affordable Care Act on Your Small Business Presented to : Greater Kansas City Chamber Business Class November 6, 2013 KHN Kaiser Health News Current Headlines October 31- November 4,

More information

HCR 101: Your Guide to Understanding Healthcare Reform

HCR 101: Your Guide to Understanding Healthcare Reform HCR 101: Your Guide to Understanding Healthcare Reform Are You Ready for Healthcare Reform? By now, you ve probably been hearing a lot about the Affordable Care Act (also known as healthcare reform or

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

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

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

Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace

Understanding the ObamaCare Health Insurance Plans in North Carolina Understanding Insurance and Affordable Care Act Terminology: ACA- Marketplace Understanding the ObamaCare Health Insurance Plans in North Carolina As a result of the Affordable Care Act (a.k.a. ObamaCare) the following provisions are now in place for health insurance policies with

More information

SHIBA. Statewide Health Insurance Benefits Advisors. Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013

SHIBA. Statewide Health Insurance Benefits Advisors. Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013 SHIBA Statewide Health Insurance Benefits Advisors Medicare, Health Insurance, & the Affordable Care Act Updates for Summer 2013 Liz Mercer Regional Trainer Sponsored by the: 8/8/2013 1 Today s overview

More information

The Affordable Care Act and People with Disabilities

The Affordable Care Act and People with Disabilities The Affordable Care Act and People with Disabilities The Arc of Texas envisions a world where people with disabilities are included in their communities and neighborhoods and where quality supports and

More information

Affordable Care Act and Adolescents and Young Adults

Affordable Care Act and Adolescents and Young Adults Affordable Care Act and Adolescents and Young Adults Overview of Summit Welcome and Introductions Affordable Care Act 101 Affordable Care Act and Impact on Adolescents and Young Adults Federal Update on

More information

to Health Care Reform

to Health Care Reform The Employer s Guide to Health Care Reform What you need to know now to: Consider your choices Decide what s best for you Follow the rules 2013-2014 Health care reform is the law of the land. Some don

More information

Final Regulations on Health Insurance Exchanges

Final Regulations on Health Insurance Exchanges Health Care Reform Legislative Brief Final Regulations on Health Insurance Exchanges Beginning in 2014, individuals and small businesses will be able to purchase private health insurance through state-based

More information

Find health care options that meet your needs and fit your budget.

Find health care options that meet your needs and fit your budget. Health Insurance Marketplace 101 Find health care options that meet your needs and fit your budget. January 2015 The Health Care Law In March 2010, President Obama signed the Affordable Care Act into law

More information

NY State of Health Small Business Marketplace

NY State of Health Small Business Marketplace NY State of Health Small Business Marketplace AGENDA What is NY State of Health? How Do I Enroll? Enrollment by the numbers Qualified Health Plan Information Value of the Small Business Marketplace Updates

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

The Health Insurance Marketplace 101

The Health Insurance Marketplace 101 The Health Insurance Marketplace 101 Introduction to the Marketplace The Health Insurance Marketplace (or Exchange) Place for individuals and small employers to directly compare private health insurance

More information

Federal Health Care Reform: Implications for New York

Federal Health Care Reform: Implications for New York Federal Health Care Reform: Implications for New York Division of Coverage and Enrollment Office of Health Insurance Programs Health Bureau Insurance Department June 2010 Federal Health Care Reform: Where

More information

One of the more visible changes soon to be brought MONTANA S HEALTH INSURANCE A PREVIEW OF MARKETPLACE

One of the more visible changes soon to be brought MONTANA S HEALTH INSURANCE A PREVIEW OF MARKETPLACE A PREVIEW OF MONTANA S HEALTH INSURANCE MARKETPLACE by Gregg Davis and Christina Goe One of the more visible changes soon to be brought to the forefront by passage of the Affordable Care Act (ACA) is the

More information

Impact of the Individual Mandate The individual mandate will impact many of

Impact of the Individual Mandate The individual mandate will impact many of Special Focus Area: The Affordable Care Act - Implications for Bellevue In early 2010, Congress passed and the President signed the Patient Protection and Affordable Care Act. Commonly known as the Affordable

More information

THE AFFORDABLE CARE ACT IMPACT ON YOUR MEDICAL PRACTICE

THE AFFORDABLE CARE ACT IMPACT ON YOUR MEDICAL PRACTICE THE AFFORDABLE CARE ACT IMPACT ON YOUR MEDICAL PRACTICE Dennis Olmstead, MPA Vice President Practice Economics & Payer Relations Pennsylvania Medical Society Kaiser Health Tracking Poll Poll (March 2013)

More information

Health Care Reform Basics

Health Care Reform Basics Health Care Reform Basics You may be asking yourself what health care reform is all about. Don t worry, you re not alone many people are asking the same question! This booklet will give you the basics

More information

or vertical applications)

or vertical applications) or vertical applications) Health care reform is on many of our minds. After all, the Affordable Care Act (ACA), will be in full swing by January 2014. But many people still have questions about what the

More information