Current Status of Change Endeavors.


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National Relationship of Wellbeing Financiers Wellbeing Change Overhaul January 8, 2010 Russ Childers, President Janet Trautwein, Chief Jesse Patton, Authoritative Gathering Seat Susan Rash, Administrative Committee Bad habit Seat Jessica Waltman, Sr. VP of Government Issues
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Slide 1

National Association of Health Underwriters Health Reform Update January 8, 2010 Russ Childers, President Janet Trautwein, CEO Jesse Patton, Legislative Council Chair Susan Rash, Legislative Council Vice-Chair Jessica Waltman, Sr. VP of Government Affairs

Slide 2

Current Status of Reform Efforts Bills have gone in House and Senate Congress won\'t utilize formal gathering panel to work out contrasts Previous bills of this extent have held open formal meeting councils Negotiations going ahead in secret Process being utilized called “ping-pong” Amends bills in every house to make indistinguishable

Slide 3

Current Status of Reform Efforts Democratic administration will even now require 60 votes in the Senate Although a vote on the last bill will just oblige 51 votes, the movement to continue to a vote on the last bill will oblige 60 Goal is section by State of the Union Address (February 2 nd ) This objective will be extremely hard to accomplish

Slide 4

What Needs to be Changed Clarifying the States\' Role Minimum Loss Ratio Requirements Structure of the Exchanges Agent-Broker Language should be cleared up Regulatory power in general

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Additional Key Issues Taxes should be wiped out or deferred until significant changes start Effective dates should be no less than 12 months after order High hazard pool subsidizing needs to concentrate on existing high hazard pool and option system structures as opposed to making new elected elements.

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Additional Key Issues Personal obligation necessities/individual command Age rating Insurance pooling prerequisites Public Option still in House dialect

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Issues of Concern for You and Your Clients Employer Mandates and Waiting Periods Senate dialect prone to win Employers more than 50 must give scope or pay $750 punishment per FTE if even one worker is qualified for sponsorships Part-time and regular representatives rejected Full time implies 30 or more hours for every week found the middle value of on a month to month premise

Slide 8

Issues of Concern for You and Your Clients Employer Mandates and Waiting Periods Allows most extreme 90 day sitting tight period Penalties for holding up periods longer than 60 days of $600 per representative Employees who are not qualified for endowments can quit executive scope with voucher for full superintendent commitment if worker offer of premiums surpasses 9.8% of family unit pay. House dialect substantially more burdensome.

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Issues of Concern for You and Your Clients ERISA Unclear whether Senate dialect will win Senate bill holds selective government regulation of self-supported arrangements Many new necessities on ALL arrangements, including new programmed enlistment systems for head honchos with more than 200 workers, new notice prerequisites, and new reporting necessities

Slide 10

Implementation Issues What is successful at Enactment? Scope for reconstructive surgery for youngsters with inherent or formative deformations (House) All arrangements in all business sector portions Group prior conditions holding up period changes from 6/12 to 1/3. (House) All arrangements in all business sector portions Pre-existing conditions impediments because of aggressive behavior at home are disallowed (House) All arrangements in all business sector fragments

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Implementation Issues What is powerful in six months? No lifetime limits (at sanctioning in House) All new plans (Senate); All arrangements in House Restrictions on yearly constrains All arrangements in all business sector fragments Coverage for particular preventive administrations with no expense sharing All arrangements in all business sector portions Elimination of previous prohibitions for youngsters under 19 All new plans in all business sector portions

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Implementation Issues What is successful in six months? Expansion of ward scope to 26 (at sanctioning in House) All new plans in Senate; All arrangements in House Restrictions on rescission of approaches All new plans in Senate; All arrangements in House New claims transform All new plans in all business sector fragments No segregation in scope or premium taking into account pay All gathering arrangements

Slide 13

GRIP Program HUPAC Distributions Phone calls, letters, messages and Faxes Consumer/Employer Outreach Social Media Op-Eds and Letters to the Editor Media Outreach Make Your Voice Heard!

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