August 19, 2013 Presented by Patty Conner, Director Where small business shops for health insurance

Utah’s MarketPlace Solution Individual Application Medicaid Assessment Tax Subsidies/Cost Sharing Reductions Enrollment in Private Insurance Plans Medicaid/CHIP Determination Enrollment in Medicaid Re-certification Group Application Plan Comparison Enrollment Single Invoice for Premium Payment Sm. Employer Tax Credit Avenue H Carriers Operated by Federal Govt. Utah Department of Workforce Services Enrollment files/subsidies Carriers collect premiums IndividualSmall Business Public Insurance/Subsidized Private Insurance Private Insurance

Avenue H, Health Insurance Marketplace  ACA State-based Marketplace for Utah  Market-oriented, competitive environment  One stop shop for Medical, Dental and Health Savings Accounts  Defined Contribution Approach  Flat dollar amount, no minimum  Pre-tax Benefits for employee and employer  Employee Choice  Plan Comparison Tools and Transparency  Administrative Ease  Small Employer Premium Tax Credit 3

Broker Credentialing To assist clients on Avenue H, producers must:  Have a current Utah Health Producer license  Be appointed by all participating carriers as a producer  Attend training for Utah Premium Partnership (UPP)  Attend Avenue H Training  All Producers must get re-credentialed this fall  2 hour CE courses will start on August 15 th, every Thursday through October  Register for course at

Options-Do the Math IndividualSmall EmployersLarge Employers WhoIndividuals and their Families 1-50 FT50 + FT Access Individual Marketplace Commercial Market Avenue H Commercial Market Subsidies APTC CSR Sm. Employer Premium Tax Credit UPP None PremiumsPost-TaxPre-Tax Open Enrollment Oct March 2014 Begins Oct 2013Anytime Penalties2014: $95 pmpy 2015: $325 pmpy None$2,000 or $3,000 pepy EHBApplies N/A