Cesse Slides

8/17/2019 Cesse Slides

1/18

Lessons

Learned fromthe ACA JANET MCNICHOL

AMERICAN SPEECH-LANGUAGE-HEARINGASSOCIATION


2/18

Cadilla Ta!"ELA#E" TO $%$%


3/18

at the

Ta!

*a+oredStat,s

ofEm&lo)ee

ene.ts


4/18

Pa)in' for the

E!&ansion of Co+era'e

+/0 1illion in e!ise ta!+$%$ 1illion in inreased

&a)roll ta!es


5/18

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!


6/18

Ta! 9 ;%< of:al,e = >?%@$%%

for indi+id,alo+era'e or

>$0@%% forfamil) o+era'e


7/18

ASHA5s Estimated

Im&at

Best Case WorstCase

$%$% >?$%@%%% >0%@%%%

7 ta! on the ta!7 staB to al,late and &a) the ta!monthl)


8/18

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 $%?


9/18


10/18

hat (or4s toontain osts


11/18

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


12/18

$%?? $%?$ $%?D $%?; $%?>@%%%

>@%%

>?%@%%%

>?%@%%

>??@%%%

>??@%%

>?$@%%%

>?$@%%

ASHA Medial PEP# Cost


13/18


14/18

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


15/18

/I< of &eo&le annotorretl) de.ne the

terms ded,ti1le@o&a)@ oins,rane L

ma!im,m o,t-of-&o4et


16/18

Teah)o,r staBho( toen'a'easons,mers and 'etthe safestare


17/18

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


18/18

Janet MNiholinside(or4&lae(ellnessom

8mnihol

Documents

Cesse Slides