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The Post-ACA Era and Preparing for the Unknown
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Transcript of The Post-ACA Era and Preparing for the Unknown
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THE POST-ACA ERA
Preparing for the Unknown
Presented by: Eric Helman
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GOP: Replace the ACA
2
What will
happen?
When will it
happen?
Who will be
impacted?
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Considerations in a
Post-ACA World
Government
Carriers/Vendors
Employers
Employees
Brokers/Consultants
We must reflect on the confluence of how 5 separate constituents
react to the new health insurance landscape.
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Highly politicized, little focus
on the employer market
Linkage to tax reform
Largest source of health
insurance for Americans
Repeal, replace, repair
Individual market and Medicaid
Deregulation
ISSUES PRIORITIES
Government
1
2
3
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5
Further divisiveness
Impact of the
Replacement Plan
on Government
1
2
3
Satisfying affected
constituents
Regulatory confusion
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Consolidation (almost)
Commoditization of
health insurance
Reduction of insured
participants
Individual market
Medicaid and Medicare
Product/Service
Proliferation
ISSUES PRIORITIES
Carriers/Vendors
1
2
3
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Revenue and profit
squeeze
Impact of the
Replacement Plan
on Carriers/Vendors
1
2
3
New competition
More movement: B2B B2C
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Compliance and
demands on staff
Rising costs and
compensation squeeze
Age diversity of
workforce
Cost containment through
programs
Broader view of
benefit program
Employee buy-in vs.
entitlement
ISSUES PRIORITIES
Employers
1
2
3
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9
Regulatory relief
Impact of the
Replacement Plan
on Employers
1
2
3
Navigation without channel
markers
Managing employee
perceptions
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Benefit illiteracy
Increasing risk exposure
Alternative labor
opportunities
Making better decisions
Taking advantage of all benefits
Financial wellness at lowest
possible cost
ISSUES PRIORITIES
Employees
1
2
3
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11
Pain at the water cooler
Impact of the
Replacement Plan
on Employees
1
2
3
Return to job lock
Adjustment to
pre-retirement planning
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Industry consolidation
Increasing cost of
providing service
Proliferation of products
and services
Responding to client needs
Simplifying service delivery
Balancing tactics and
strategy
ISSUES PRIORITIES
Brokers /Consultants
1
2
3
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13
Further confusion
Impact of the
Replacement Plan
on Brokers/Consultants
1
2
3
Return to creativity
Busy 2017 and 2018
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Considerations in a
Post-ACA World
Government
Carriers/Vendors
Employers
Employees
Brokers/Consultants
What are the common themes?
Increased
Complexity
Expanded
ConsumerismRising Costs
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Messages and Alerts
Employers can send “event”
related or custom messages to
employee populations
Personalized
Information
Centralized location for
balances and status
updates for current
elections, deductibles, out-
of-pocket maximums, 401K,
PTO and more
App Trends 2016PricewaterhouseCoopers' recent study
showed health care as the top 3 mobile
trends of 2016.
83%Of workforce in the
US now own a smartphone
15
Hodges-Mace Responds!Innovative enhancements that help employees
choose and use their benefits
Enrollment Access
SSO access to Essentials
with new Pathfinder
OnDemand Decision
Support
• Simplified presentation to personalized
information about all benefits
• Quick access to cost saving programs
contributes to higher utilization
• Employer reminders and alerts in the palm
of the hand
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16
The Hodges-Mace Response
Reduce Complexity• Immediate access to critical information
• Simplified integration with multiple portals
• Quick access to ID cards
Increase Consumerism• Keeping benefits top of mind
• Integrated access to cost saving programs
• Drives utilization of consumer tools
Reduce Cost• Answers routine questions without HR
• Increases utilization of cost savings programs
• Facilitates vendor changes for favorable rates