Health Reform HealthPass and Health Reform –Individual Mandate is good for all Strict penalties needed for opting out –Affordable options for those within certain income ranges must be made available –New York is way ahead of the curve Community Rating (modified outside of NY) Guaranteed Issue –A Public Option? Benefit to all if on a level playing field –Private sector – helps drive ingenuity –Role of the Health Insurance Exchange

HealthPass – A Health Insurance Exchange Public/Private Partnership –City of NY –NYBGH –Partner Carriers –EmblemHealth –GHI –HIP Non-profit Dual mission –Give small business greater access to quality, affordable healthcare (over 30 options) –Stem the tide of the working uninsured (over 50% of employers had no prior coverage) - Health Net - Guardian - UnitedHealthcare/Oxford (sole prop only)

HealthPass – A Health Insurance Exchange Offering of multiple carriers and plan designs to small business employees Makes healthcare more affordable through choices –No need to purchased unused benefits Employers define a contribution Employees choose from a menu of plans that meet their risk and budget tolerances –HMO –EPO –POS - PPO - HSA - Cost Sharing Plans

HealthPass – A Health Insurance Exchange A one stop shop for benefits Putting the “personal touch” back into healthcare Value Added Services –Access to dental (DMO/PPO) and security products (LTD/Life package) –Administrative Liaisons to the carriers Dedicated Member Services Team Health Advocate Medical Cost Advocate –COBRA/NYSC Billing and Administration –Section 125 POP kit

HealthPass – A Health Insurance Exchange Simplified administration –One Page Employer Application –One page Enrollment/Change form for Employees –One itemized bill –One centralized source for information and program rules –One choice to make – HealthPass – The Right Choice for Small Businesses

Other Affordable Options in NY Healthy NY ( Brooklyn HealthWorks –Brooklyn based businesses only EmblemHealth CompreHealth Plans –Lawrence Hospital (Bronxville) –Montefiore Medical Center Atlantis Health Plans HDHP/HSA plans