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Strategies for Reforming the Private Health Insurance Market Janet Trautwein Vice-President of Government Affairs National Association of Health Underwriters
Evolving Coverage Types
Dealing with Rising Costs ,[object Object],[object Object],[object Object]
Health Savings Accounts (HSAs) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Health Savings Accounts (HSAs) ,[object Object],[object Object],[object Object],[object Object]
Important Information on the Deductible ,[object Object],[object Object],[object Object]
More on the Deductible ,[object Object],[object Object],[object Object]
More on Qualified High Deductible Health Plans ,[object Object],[object Object],[object Object],[object Object],[object Object]
New Guidance from March 30, 2004 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
New   Guidance from March 30, 2004 ,[object Object],[object Object],[object Object]
New   Guidance from March 30, 2004 ,[object Object],[object Object]
Contributions to HSAs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Contributions to an HSA ,[object Object],[object Object],[object Object],[object Object]
Contributions to an HSA ,[object Object],[object Object],[object Object],[object Object],[object Object]
Contributions to an HSA ,[object Object],[object Object],[object Object],[object Object]
More on contributions to an HSA ,[object Object],[object Object],[object Object]
Distributions from an HSA ,[object Object],[object Object],[object Object],[object Object]
More on Distributions ,[object Object],[object Object],[object Object]
Employer Contributions and Discrimination Rules ,[object Object],[object Object],[object Object],[object Object],[object Object]
Employer Contributions ,[object Object],[object Object],[object Object],[object Object]
What are Qualified Expenses? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Qualified Medical Expenses ,[object Object],[object Object],[object Object],[object Object]
Putting Together an HSA ,[object Object],[object Object],[object Object],[object Object]
Putting Together an HSA ,[object Object],[object Object],[object Object],[object Object]
How will HSAs impact health insurance markets? ,[object Object],[object Object],[object Object],[object Object]
How will HSAs impact health insurance markets? ,[object Object],[object Object],[object Object],[object Object]
Health Reimbursement Accounts (HRAs) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How will HRAs impact insurance markets? ,[object Object],[object Object],[object Object],[object Object]
How Do These Plans Work? Health Reimbursement Account   $1,000 annually Bridge or Gap $500 annually Health Insurance Policy $1,500 deductible  annually, then 90% coverage in network and 70% out of network for the next $10,000 in expenses, 100% for remainder for balance of year
Design Considerations ,[object Object],[object Object],[object Object],[object Object]
Design Considerations ,[object Object],[object Object],[object Object]
Actual Drug Costs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Here is another family: The Jones Family ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Plan Design Considerations ,[object Object],[object Object],[object Object]
Design Considerations ,[object Object],[object Object],[object Object],[object Object],[object Object]
Plan Design Considerations ,[object Object],[object Object],[object Object],[object Object]
Do we still need FSAs? ,[object Object],[object Object],[object Object],[object Object]

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Hsa Hra Fsa Powerpoint

  • 1. Strategies for Reforming the Private Health Insurance Market Janet Trautwein Vice-President of Government Affairs National Association of Health Underwriters
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  • 29. How Do These Plans Work? Health Reimbursement Account   $1,000 annually Bridge or Gap $500 annually Health Insurance Policy $1,500 deductible annually, then 90% coverage in network and 70% out of network for the next $10,000 in expenses, 100% for remainder for balance of year
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