1. How Does Health Care Reform Impact Your Company?
KELLY UNIVERSITY
How Does Health Care Reform
Impact Your Company?
Presented by
Sanford Walters
Executive Vice President and Senior Consultant
Kelly & Associates Insurance Group
11/30/2018

2. Annual Growth Rates, Gross Domestic Product (GDP)
And National Health Expenditures (NHE)
Calendar Years 2009–20
Annual Growth Rates, Gross Domestic Product (GDP) And National Health Expenditures (NHE) Calendar Years 2009–20
Keehan S P et al. Health Aff 2011;30:
©2011 by Project HOPE - The People-to-People Health Foundation, Inc.

3. 2014 Growth Rates By Selected Sector, Before
And After The Impact Of The Affordable Care Act
2014 Growth Rates By Selected Sector, Before And After The Impact Of The Affordable Care Act
Keehan S P et al. Health Aff 2011;30:
©2011 by Project HOPE - The People-to-People Health Foundation, Inc.

4. Health Reform Implementation
In One Map
11/30/2018

5. How Does Health Care Reform
Impact Your Company?
No Lifetime Limits
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6. How Does Health Care Reform
Impact Your Company?
Annual Limits
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7. How Does Health Care Reform
Impact Your Company?
Essential Benefits
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8. Small Business Tax Credits
How Does Health Care Reform
Impact Your Company?
Small Business Tax Credits
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9. Eliminate Pre-Existing Conditions
How Does Health Care Reform
Impact Your Company?
Eliminate Pre-Existing Conditions
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10. How Does Health Care Reform
Impact Your Company?
W-2
• 2011
• 2012
• 2013
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11. W-2 Form
11/30/2018

12. How Does Health Care Reform
Impact Your Company?
Supreme Court
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13. Flexible Spending Accounts (FSA) Limit of $2,500 (2013)
How Does Health Care Reform
Impact Your Company?
Flexible Spending Accounts (FSA) Limit of $2,500 (2013)
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14. How Does Health Care Reform
Impact Your Company?
Grandfathered Plans
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15. How Does Health Care Reform
Impact Your Company?
Preventive Care
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16. Material Modifications
How Does Health Care Reform
Impact Your Company?
Material Modifications
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17. How Does Health Care Reform
Impact Your Company?
Summary of Benefits
And Coverage (SBC)
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18. SBC Template
11/30/2018

19. SBC Template
11/30/2018

20. SBC Template
11/30/2018

21. SBC Template
11/30/2018

22. SBC Template
11/30/2018

23. SBC Template
11/30/2018

24. SBC Template
11/30/2018

25. SBC Template
11/30/2018

26. Employer Offer Benefits or Pay
How Does Health Care Reform
Impact Your Company?
Employer Offer Benefits or Pay
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27. How Does Health Care Reform
Impact Your Company?
60% of Cost
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28. Contributions Less Than 9.5%
How Does Health Care Reform
Impact Your Company?
Contributions Less Than 9.5%
• Proposed Rule: Single Coverage Less Than 9.5% of Family Income
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29. How Does Health Care Reform
Impact Your Company?
Waiting Period
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30. How Does Health Care Reform
Impact Your Company?
Class Act
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31. How Does Health Care Reform
Impact Your Company?
Cadillac Tax
11/30/2018 31

32. How Does Health Care Reform
Impact Your Company?
SUMMARY
No Lifetime Limits
Annual Limits
Essential Benefits
Small Business Tax Credits
Eliminate Pre-Existing Conditions
W-2
Supreme Court
FSA Limit of $2,500 (2013)
Grandfathered Plans
Preventive Care
Material Modifications
Summary of Benefits (SBC)
Employer Benefits or Pay
60% of Cost
Contributions Less Than 9.5%
Waiting Period
Class Act
Cadillac Tax
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33. Questions
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