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8/17/2019 Cesse Slides
1/18
Lessons
Learned fromthe ACA JANET MCNICHOL
AMERICAN SPEECH-LANGUAGE-HEARINGASSOCIATION
8/17/2019 Cesse Slides
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Cadilla Ta!"ELA#E" TO $%$%
8/17/2019 Cesse Slides
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at the
Ta!
*a+oredStat,s
ofEm&lo)ee
ene.ts
8/17/2019 Cesse Slides
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Pa)in' for the
E!&ansion of Co+era'e
+/0 1illion in e!ise ta!+$%$ 1illion in inreased
&a)roll ta!es
8/17/2019 Cesse Slides
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Premi,m e2,i+alent
3inl,din' ro4er5sommissions6 7 HSA
ontri1,tions 7 *SAontri1,tions 7 EAP 3ifs,18et to HIPAA6 9 :al,e
Cal,latin' the Ta!
8/17/2019 Cesse Slides
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Ta! 9 ;%< of:al,e = >?%@$%%
for indi+id,alo+era'e or
>$0@%% forfamil) o+era'e
8/17/2019 Cesse Slides
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ASHA5s Estimated
Im&at
Best Case WorstCase
$%$% >?$%@%%% >0%@%%%
7 ta! on the ta!7 staB to al,late and &a) the ta!monthl)
8/17/2019 Cesse Slides
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hat Em&lo)ers "id in
$%?
• D< added a C"HP or too4 ste&s
to 1,ild enrollment• ??< dro&&ed a hi'h-ost &lan• ?< made &lan desi'n han'es
to shift osts to em&lo)ees• D< eliminated a health are *SA
*rom Merer5s National S,r+e) of Em&lo)er FS&onsoredHealth Plans $%?
8/17/2019 Cesse Slides
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8/17/2019 Cesse Slides
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hat (or4s toontain osts
8/17/2019 Cesse Slides
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Com&arison of Ann,al
Health ene.t Cost
Cost Per Em&lo)ee >?%@/%%%%
>??@%%%%%
>??@$%%%%
>??@;%%%%
>??@I%%%%
>??@/%%%%
>?$@%%%%%
*rom Merer5s National S,r+e) of Em&lo)er FS&onsored Health Plans $%?
Em&lo)ers ,sin' =?I 1est &raties Em&lo)ers ,sin' J0 1est &raties
ASHA ,sin' ? 1est &raties
8/17/2019 Cesse Slides
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$%?? $%?$ $%?D $%?; $%?>@%%%
>@%%
>?%@%%%
>?%@%%
>??@%%%
>??@%%
>?$@%%%
>?$@%%
ASHA Medial PEP# Cost
8/17/2019 Cesse Slides
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8/17/2019 Cesse Slides
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In most or'aniKations@
healthare is the seondlar'est e!&ense -- seond
onl) to salaries -- )etmost em&lo)ers don5t
teah &eo&le ho( to 'etthe most o,t of their
in+estmentcc: nathanmac87 - https://www.fickr.com/photos/72841285@N
8/17/2019 Cesse Slides
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/I< of &eo&le annotorretl) de.ne the
terms ded,ti1le@o&a)@ oins,rane L
ma!im,m o,t-of-&o4et
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Teah)o,r staBho( toen'a'easons,mers and 'etthe safestare
8/17/2019 Cesse Slides
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hat to do .rst?Estimate )o,r lia1ilit) ,nder the Cadilla Ta!$As4 ASAE to ad+oate on 1ehalf of assoiationsDChan'e from a ommission a'reement (ith )o,r
1ro4er to a ons,ltin' arran'ement;Assess (hat )o, 4no( a1o,t )o,r &lan desi'n
and ,tiliKation and om&are it to 1enhmar4sRead
hat or4s in Healthare Cost Containment3"o(nload ode mnihol6
Consider the ost ontainment strate'ies in the&re+io,s slide
0Teah )o,r staB to 1e sa++) ons,mers ofhealthare
http://www.nextlogical.com/whitepaper.phphttp://www.nextlogical.com/whitepaper.php
8/17/2019 Cesse Slides
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Janet MNiholinside(or4&lae(ellnessom
8mnihol
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