The document discusses the challenges self-employed individuals face in obtaining health insurance. It notes that one-third of self-employed individuals are currently uninsured due to the high cost of coverage. Between 2005-2008, the percentage of small businesses offering health insurance to employees dropped significantly from 46% to 18.6% as costs rose. The document then examines provisions of the Affordable Care Act that could help or hinder the self-employed, such as the creation of insurance exchanges but insufficient immediate cost savings. It argues that reform does not do enough to lower health care costs for small businesses and the self-employed.
The document summarizes Maryland's fiscal year 2013 budget and priorities under Governor Martin O'Malley. It highlights job creation, education funding, health care expansion, crime reduction, and maintaining a balanced budget through spending cuts and limited tax increases on high earners. Over $3.6 billion is allocated to capital projects focused on education, health, transportation, and economic development to support an estimated 52,000 jobs.
Delegate Jeannie Haddaway-Riccio's Health Care Presentation 09/16/09Karena Dixon
Presentation on Health Care Reform as presented by Delegate Jeannie Haddaway-Riccio at the Talbot GOP Health Care Forum on Wednesday, September 16th, 2009.
May also be viewed at:
www.votehaddaway.com
This document discusses health care costs and how to control them. It addresses who pays for health care through insurance, how costs have increased much faster than wages and inflation, and what the major cost drivers are such as drugs, hospitals, physicians and administrative costs. It explores strategies that employers and employees can take to lower costs, such as competitive bidding for insurance and drugs, accountable care organizations for primary care, and consolidated record keeping.
The document discusses employer forum discussions on healthcare reform in 2009. It covers topics like changing the supply and demand curve for healthcare, the various players involved, why reform is happening now versus the 1990s, potential models for reform, and impacts on employers and employees. It also provides information on controlling costs, current bills being considered, and actions employers can take to manage healthcare costs.
The document discusses healthcare reform and its potential repeal. It notes that while repeal seems out of reach currently, many aspects of the law have already taken effect. These include eliminating pre-existing condition exclusions for children, covering dependents until age 26, and minimum loss ratios for insurance companies. The document also discusses the costs and implementation of state health insurance exchanges. It provides the perspective of the author who has advised on the impacts of healthcare reform.
This document discusses concerns about government-run healthcare based on experiences in other countries and proposed legislation. It notes high costs, taxes, and fines associated with the proposals. Waiting times, denial of care, and doctor shortages are presented as issues with government-run systems in places like Canada and the UK. Alternatives are suggested that focus on helping those who cannot afford coverage rather than overhauling the entire system.
This report provides an overview of key provisions of the two separate comprehensive health reform bills passed by the five committees of jurisdiction in the U.S. Congress: the Finance Committee and the Health, Education, Labor, and Pensions (HELP) Committee of the Senate, and the Ways and Means, Education and Labor, and Energy and Commerce committees of the House of Representatives. While the general frameworks of the bills are very similar—all bills include provisions intended to improve and expand coverage and all would create a comprehensive and coherent strategy for improving health care quality—they differ in a few key respects. Most important, the Senate Finance Committee bill does not include a public plan option or a requirement that employers offer coverage, nor does it reform for more than one year Medicare’s formula for setting physician fees; the House bill includes all of these features.
The document summarizes Maryland's fiscal year 2013 budget and priorities under Governor Martin O'Malley. It highlights job creation, education funding, health care expansion, crime reduction, and maintaining a balanced budget through spending cuts and limited tax increases on high earners. Over $3.6 billion is allocated to capital projects focused on education, health, transportation, and economic development to support an estimated 52,000 jobs.
Delegate Jeannie Haddaway-Riccio's Health Care Presentation 09/16/09Karena Dixon
Presentation on Health Care Reform as presented by Delegate Jeannie Haddaway-Riccio at the Talbot GOP Health Care Forum on Wednesday, September 16th, 2009.
May also be viewed at:
www.votehaddaway.com
This document discusses health care costs and how to control them. It addresses who pays for health care through insurance, how costs have increased much faster than wages and inflation, and what the major cost drivers are such as drugs, hospitals, physicians and administrative costs. It explores strategies that employers and employees can take to lower costs, such as competitive bidding for insurance and drugs, accountable care organizations for primary care, and consolidated record keeping.
The document discusses employer forum discussions on healthcare reform in 2009. It covers topics like changing the supply and demand curve for healthcare, the various players involved, why reform is happening now versus the 1990s, potential models for reform, and impacts on employers and employees. It also provides information on controlling costs, current bills being considered, and actions employers can take to manage healthcare costs.
The document discusses healthcare reform and its potential repeal. It notes that while repeal seems out of reach currently, many aspects of the law have already taken effect. These include eliminating pre-existing condition exclusions for children, covering dependents until age 26, and minimum loss ratios for insurance companies. The document also discusses the costs and implementation of state health insurance exchanges. It provides the perspective of the author who has advised on the impacts of healthcare reform.
This document discusses concerns about government-run healthcare based on experiences in other countries and proposed legislation. It notes high costs, taxes, and fines associated with the proposals. Waiting times, denial of care, and doctor shortages are presented as issues with government-run systems in places like Canada and the UK. Alternatives are suggested that focus on helping those who cannot afford coverage rather than overhauling the entire system.
This report provides an overview of key provisions of the two separate comprehensive health reform bills passed by the five committees of jurisdiction in the U.S. Congress: the Finance Committee and the Health, Education, Labor, and Pensions (HELP) Committee of the Senate, and the Ways and Means, Education and Labor, and Energy and Commerce committees of the House of Representatives. While the general frameworks of the bills are very similar—all bills include provisions intended to improve and expand coverage and all would create a comprehensive and coherent strategy for improving health care quality—they differ in a few key respects. Most important, the Senate Finance Committee bill does not include a public plan option or a requirement that employers offer coverage, nor does it reform for more than one year Medicare’s formula for setting physician fees; the House bill includes all of these features.
ACA employer update during 2017 season of change 4-12-2017Debera Salam, CPP
This document provides a summary of a webcast about the status of health care reform and the Affordable Care Act (ACA) for employers during 2017. It discusses the failed American Health Care Act (AHCA) which would have repealed many ACA provisions. Options for the future include other legislative actions or administrative changes. States may also take actions around Medicaid expansion or Section 1332 waivers. Employers are considering various plan design options given ongoing uncertainty. Key observations from 2016 reporting include error correction guidance and a smoother reporting process this year.
This presentation covers national legislative update and state updates specific to employers headquartered in Oregon, Washington, and Montanta. Additionally, we will address recent events including the potential impact of the new tax plan on employee benefits, EEOC wellness rules updates and updates to the ACA.
For further information, please contact The Partners Group:
https://www.tpgrp.com/contact-partner...
For over 35 years The Partners Group has been serving the financial and insurance needs of employers, medical professionals, and successful individuals with services including employee benefits and business consulting, retirement planning, investment services, commercial and individual insurance. We have built our business from the ground up to ensure we are a thriving organization for the next 35 years. Although we have developed a national network and reputation, you can count on our local commitment and service. We deliver through the hard work of over 140 teammates, who tirelessly provide results greater than the sum of our parts. The Partners Group has offices in Portland, Lake Oswego, and Bend OR; Bellevue, WA; and Bozeman, MT. https://www.tpgrp.com
Subscribe to our email list for additional helpful tips:
https://www.tpgrp.com/subscribe/
This presentation explains how much the federal government spends on the major health care programs: Medicare, Medicaid, the Children’s Health Insurance Program, and marketplace subsidies and related expenditures. In 2018, about 155 million people were enrolled in those programs. CBO projects that net outlays for the programs will grow from about $1.0 trillion in 2018 to about $2.0 trillion in 2028.
Presentation by Jessica Banthin, Deputy Assistant Director in CBO’s Health, Retirement, and Long-Term Analysis Division, at the Alliance for Health Policy Summit on Health Care Costs in America.
This document provides an overview of the history of healthcare in the United States and summarizes key aspects of the Affordable Care Act (ACA or Obamacare). It discusses the impact of the ACA on individuals, businesses, and taxes. Alternatives to the ACA proposed by Democrats and Republicans are also outlined. The conclusion emphasizes that implementing the ACA relies heavily on internet use and accurate calculation of subsidies, and questions whether young healthy people can afford coverage under the exchanges.
Obamacare - Future of Healthcare War Room Slideshiddenlevers
The document discusses the future of healthcare in the United States under the Affordable Care Act (ACA or Obamacare). It covers what is included in the ACA, the potential impact on employers who provide health insurance, potential winners and losers from the law, and scenarios for how implementation could succeed or fail. Key points include the individual mandate, health insurance exchanges, penalties for those uninsured, subsidies for low-income households, Medicare cost cuts, and potential impacts on employers deciding whether to continue providing health insurance to employees.
Updated version of our popular PowerPoint presentation that clearly and succinctly lays out the fiscal challenge facing the United States. To see what can be done about it, visit http://crfb.org/go-big
The summary provides an overview of the 2014 annual report of the Hawaii Health Connector. It discusses challenges faced in the initial launch in 2013 that persisted through 2014 open enrollment. Enrollment did not meet expectations and operational issues were the focus of 2014. However, improvements were made to processes and technology. The Connector was able to preserve Hawaii's Prepaid Health Care Act of 1974 and integrate it with the Affordable Care Act requirements. Three economic models are presented projecting enrollment numbers, revenues, expenses and surplus/deficit for the years 2015-2024 under a base, low and high case. The base case projects the Connector becoming self-sustaining by 2022. The report examines the potential economic benefits to Hawaii
CBO’s work follows processes specified in the Congressional Budget and Impoundment Control Act of 1974 (which established the agency) or developed by the agency in concert with the House and Senate Budget Committees and the Congressional leadership.
CBO is strictly nonpartisan; conducts objective, impartial analysis; and hires its employees solely on the basis of professional competence, without regard to political affiliation. The agency does not make policy recommendations, and each report and cost estimate summarizes the methodology underlying the analysis.
Presentation by Keith Hall, CBO Director, at the 10th Annual Meeting of the OECD Network of Parliamentary Budget Officials and Independent Fiscal Institutions.
HR Webinar: Gender Pay Equity: The Time is NowAscentis
This presentation will uncover the implications of April 2, 2019, otherwise known as “Equal Pay Day,” the specific date this year when the average man in the United States could start work and earn the same amount by December 31 as the average woman, in the same job, who had worked all year long.
Gender pay equity as a topic in the media is back with a vengeance, courtesy of #MeToo and #TimesUp. Discussions about what it’s going to take to eradicate harassment and discrimination in the workplace inevitably leads us to these questions: Is it “good enough” for employers to simply acknowledge the gender discrimination inherent in acts of sexual harassment? Or, is it time to step past acknowledgement, and into action, to truly rectify the pay equity gap?
Regardless of what your company’s views and current efforts are, it’s important as an HR professional to be aware that the state, city or other local jurisdiction in which you operate may have gender-equalizing laws in place.
The Maryland Kids First Act uses tax form data to identify Medicaid/CHIP-eligible children. It requires asking tax filers if their dependent children have health insurance and sending Medicaid applications to potentially eligible families. This identified over 145,000 children for outreach from 2009-2010. Lessons include improving eligibility determinations and allowing data sharing between agencies to identify enrolled vs. eligible children. The Affordable Care Act expands opportunities for tax-based Medicaid outreach nationally.
The document provides an overview of recent regulatory updates from the Office of the Inspector General (OIG) and other agencies:
1) The OIG approved an arrangement for a group purchasing organization to be indirectly owned by a health system and for a website to display healthcare provider coupons and ads.
2) The OIG criticized the Centers for Medicare and Medicaid Services for failing to implement regulations governing sanctions for noncompliant home health agencies.
3) The OIG issued a report finding questionable billing practices among certain Independent Diagnostic Testing Facilities, and recommended increased monitoring and enforcement actions.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also describes essential health benefits that all plans must cover. The document then gives steps for enrolling including determining income level and whether to enroll on or off the exchange. It provides details on subsidies and how to calculate them. Finally, it outlines the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and their coverage amounts and costs.
This document summarizes a presentation given by Ben Hopkins of the Health Analysis Division to the International Microsimulation Association on December 2, 2021. The presentation discussed the methods used by the Congressional Budget Office (CBO) to construct synthetic firms in their health insurance microsimulation model HISIM2. Specifically, it described how CBO uses data from tax filings and health surveys to select traits like age, income, and health spending of synthetic coworkers for each individual modeled in HISIM2. This allows HISIM2 to realistically model employer decisions about offering health insurance based on the characteristics of their synthetic employee workforce.
The document discusses issues with the Affordable Care Act (ACA) and its impact on healthcare costs and businesses. It argues that the ACA will increase premiums for individuals and businesses through higher taxes. The ACA fails to control overall healthcare costs due to inelastic demand. As a result, the costs of the ACA are unsustainable and detrimental to small businesses.
The House of Representatives is marking up the American Health Care Act, a bill to repeal and replace the Affordable Care Act and to reframe Medicaid financing. If final legislation passes that looks even partly like this bill, many in the health industry will be impacted.
During this webinar, we will help attendees predict the top exposures for their organizations by reviewing the effects of the bill’s provisions and possibilities of change as the legislative process unfolds.
Moderator:
Philo D. Hall
Associate
Epstein Becker Green
Presenters:
Robert F. Atlas
President
EBG Advisors
Drew Willison
Strategic Advisor
National Health Advisors
http://www.ebglaw.com/events/overview-and-implications-of-the-house-republican-bill/
These materials have been provided for informational purposes only and are not intended and should not be construed to constitute legal advice. The content of these materials is copyrighted to Epstein Becker & Green, P.C. ATTORNEY ADVERTISING.
CBO analysts use the agency’s revised health insurance simulation model, HISIM2, to generate estimates of health insurance coverage and premiums for the population under age 65. The model is used in conjunction with other models to develop baseline budget projections (which incorporate the assumption that current law generally remains the same). It is also used to estimate the effects of proposed changes in policies that affect health insurance coverage. This presentation provides an overview of the model.
This document provides a comprehensive list of all the tax hikes included in the Senate health care bill. It outlines numerous new taxes and tax increases that would impact individuals through mandates, employers, health insurance plans, medical companies and devices, and more. In total, it estimates the tax hikes would raise over $500 billion in new tax revenue over 10 years.
US Healthcare Reform Landscape - Addendum to June 2018 Presentation to the Ch...Dan Wellisch
This is an addendum to the June 2018 presentation (to the Chicago Technology For Value-Based Healthcare Meetup https://www.meetup.com/Chicago-Technology-For-Value-Based-Healthcare-Meetup/) containing interesting info. about what may replace the Affordable Care Act
Comments on Affordable Care Act and other healthcare issuesDickson Consulting
CardiacAssist is a medical device company based in Pittsburgh that manufactures the TandemHeart circulatory assistance device. In a presentation to the White House Business Council Roundtable, the company's CFO discussed several concerns with the Affordable Care Act including the medical device tax, volatile healthcare insurance premiums, and provisions that may promote age and family discrimination in hiring. The CFO also expressed concerns about overregulation by the FDA and CMS, the need to address addiction and obesity issues, and a desire for less government control over the healthcare system and insurance marketplace.
(1) The document discusses different scenarios states may face in their health insurance markets following the Supreme Court decision on the Affordable Care Act.
(2) It outlines options for states like expanding Medicaid only to 100% FPL instead of 138% or buying low-income residents into the insurance exchange.
(3) The document provides data on who would be affected by different state choices, including demographic characteristics and estimates of churn between Medicaid and subsidized exchange plans.
This is a dicussion about the 2010 Health Reform Laws, what they mean to the local community, employers, business, and citizens of the community, and what the opportunity is under health reform for communities to retake control of their health care finance plan and build on their personal relationship with their health care providers.
The document discusses how sin has separated mankind from God, themselves, each other, and nature. This results in broken relationships and insecure people. It explores how our self-image is shaped by early experiences and influences our lives. A healthy self-image is seeing ourselves as God sees us - with inherent worth as his creation. An unhealthy self-image can stem from pride or a distorted view formed by others' opinions in childhood.
ACA employer update during 2017 season of change 4-12-2017Debera Salam, CPP
This document provides a summary of a webcast about the status of health care reform and the Affordable Care Act (ACA) for employers during 2017. It discusses the failed American Health Care Act (AHCA) which would have repealed many ACA provisions. Options for the future include other legislative actions or administrative changes. States may also take actions around Medicaid expansion or Section 1332 waivers. Employers are considering various plan design options given ongoing uncertainty. Key observations from 2016 reporting include error correction guidance and a smoother reporting process this year.
This presentation covers national legislative update and state updates specific to employers headquartered in Oregon, Washington, and Montanta. Additionally, we will address recent events including the potential impact of the new tax plan on employee benefits, EEOC wellness rules updates and updates to the ACA.
For further information, please contact The Partners Group:
https://www.tpgrp.com/contact-partner...
For over 35 years The Partners Group has been serving the financial and insurance needs of employers, medical professionals, and successful individuals with services including employee benefits and business consulting, retirement planning, investment services, commercial and individual insurance. We have built our business from the ground up to ensure we are a thriving organization for the next 35 years. Although we have developed a national network and reputation, you can count on our local commitment and service. We deliver through the hard work of over 140 teammates, who tirelessly provide results greater than the sum of our parts. The Partners Group has offices in Portland, Lake Oswego, and Bend OR; Bellevue, WA; and Bozeman, MT. https://www.tpgrp.com
Subscribe to our email list for additional helpful tips:
https://www.tpgrp.com/subscribe/
This presentation explains how much the federal government spends on the major health care programs: Medicare, Medicaid, the Children’s Health Insurance Program, and marketplace subsidies and related expenditures. In 2018, about 155 million people were enrolled in those programs. CBO projects that net outlays for the programs will grow from about $1.0 trillion in 2018 to about $2.0 trillion in 2028.
Presentation by Jessica Banthin, Deputy Assistant Director in CBO’s Health, Retirement, and Long-Term Analysis Division, at the Alliance for Health Policy Summit on Health Care Costs in America.
This document provides an overview of the history of healthcare in the United States and summarizes key aspects of the Affordable Care Act (ACA or Obamacare). It discusses the impact of the ACA on individuals, businesses, and taxes. Alternatives to the ACA proposed by Democrats and Republicans are also outlined. The conclusion emphasizes that implementing the ACA relies heavily on internet use and accurate calculation of subsidies, and questions whether young healthy people can afford coverage under the exchanges.
Obamacare - Future of Healthcare War Room Slideshiddenlevers
The document discusses the future of healthcare in the United States under the Affordable Care Act (ACA or Obamacare). It covers what is included in the ACA, the potential impact on employers who provide health insurance, potential winners and losers from the law, and scenarios for how implementation could succeed or fail. Key points include the individual mandate, health insurance exchanges, penalties for those uninsured, subsidies for low-income households, Medicare cost cuts, and potential impacts on employers deciding whether to continue providing health insurance to employees.
Updated version of our popular PowerPoint presentation that clearly and succinctly lays out the fiscal challenge facing the United States. To see what can be done about it, visit http://crfb.org/go-big
The summary provides an overview of the 2014 annual report of the Hawaii Health Connector. It discusses challenges faced in the initial launch in 2013 that persisted through 2014 open enrollment. Enrollment did not meet expectations and operational issues were the focus of 2014. However, improvements were made to processes and technology. The Connector was able to preserve Hawaii's Prepaid Health Care Act of 1974 and integrate it with the Affordable Care Act requirements. Three economic models are presented projecting enrollment numbers, revenues, expenses and surplus/deficit for the years 2015-2024 under a base, low and high case. The base case projects the Connector becoming self-sustaining by 2022. The report examines the potential economic benefits to Hawaii
CBO’s work follows processes specified in the Congressional Budget and Impoundment Control Act of 1974 (which established the agency) or developed by the agency in concert with the House and Senate Budget Committees and the Congressional leadership.
CBO is strictly nonpartisan; conducts objective, impartial analysis; and hires its employees solely on the basis of professional competence, without regard to political affiliation. The agency does not make policy recommendations, and each report and cost estimate summarizes the methodology underlying the analysis.
Presentation by Keith Hall, CBO Director, at the 10th Annual Meeting of the OECD Network of Parliamentary Budget Officials and Independent Fiscal Institutions.
HR Webinar: Gender Pay Equity: The Time is NowAscentis
This presentation will uncover the implications of April 2, 2019, otherwise known as “Equal Pay Day,” the specific date this year when the average man in the United States could start work and earn the same amount by December 31 as the average woman, in the same job, who had worked all year long.
Gender pay equity as a topic in the media is back with a vengeance, courtesy of #MeToo and #TimesUp. Discussions about what it’s going to take to eradicate harassment and discrimination in the workplace inevitably leads us to these questions: Is it “good enough” for employers to simply acknowledge the gender discrimination inherent in acts of sexual harassment? Or, is it time to step past acknowledgement, and into action, to truly rectify the pay equity gap?
Regardless of what your company’s views and current efforts are, it’s important as an HR professional to be aware that the state, city or other local jurisdiction in which you operate may have gender-equalizing laws in place.
The Maryland Kids First Act uses tax form data to identify Medicaid/CHIP-eligible children. It requires asking tax filers if their dependent children have health insurance and sending Medicaid applications to potentially eligible families. This identified over 145,000 children for outreach from 2009-2010. Lessons include improving eligibility determinations and allowing data sharing between agencies to identify enrolled vs. eligible children. The Affordable Care Act expands opportunities for tax-based Medicaid outreach nationally.
The document provides an overview of recent regulatory updates from the Office of the Inspector General (OIG) and other agencies:
1) The OIG approved an arrangement for a group purchasing organization to be indirectly owned by a health system and for a website to display healthcare provider coupons and ads.
2) The OIG criticized the Centers for Medicare and Medicaid Services for failing to implement regulations governing sanctions for noncompliant home health agencies.
3) The OIG issued a report finding questionable billing practices among certain Independent Diagnostic Testing Facilities, and recommended increased monitoring and enforcement actions.
The document provides information about the Affordable Care Act (ACA) and enrolling in health insurance plans. It explains that the ACA provides protections like coverage for pre-existing conditions. It also describes essential health benefits that all plans must cover. The document then gives steps for enrolling including determining income level and whether to enroll on or off the exchange. It provides details on subsidies and how to calculate them. Finally, it outlines the different metal-tiered plan levels (catastrophic, bronze, silver, gold, platinum) and their coverage amounts and costs.
This document summarizes a presentation given by Ben Hopkins of the Health Analysis Division to the International Microsimulation Association on December 2, 2021. The presentation discussed the methods used by the Congressional Budget Office (CBO) to construct synthetic firms in their health insurance microsimulation model HISIM2. Specifically, it described how CBO uses data from tax filings and health surveys to select traits like age, income, and health spending of synthetic coworkers for each individual modeled in HISIM2. This allows HISIM2 to realistically model employer decisions about offering health insurance based on the characteristics of their synthetic employee workforce.
The document discusses issues with the Affordable Care Act (ACA) and its impact on healthcare costs and businesses. It argues that the ACA will increase premiums for individuals and businesses through higher taxes. The ACA fails to control overall healthcare costs due to inelastic demand. As a result, the costs of the ACA are unsustainable and detrimental to small businesses.
The House of Representatives is marking up the American Health Care Act, a bill to repeal and replace the Affordable Care Act and to reframe Medicaid financing. If final legislation passes that looks even partly like this bill, many in the health industry will be impacted.
During this webinar, we will help attendees predict the top exposures for their organizations by reviewing the effects of the bill’s provisions and possibilities of change as the legislative process unfolds.
Moderator:
Philo D. Hall
Associate
Epstein Becker Green
Presenters:
Robert F. Atlas
President
EBG Advisors
Drew Willison
Strategic Advisor
National Health Advisors
http://www.ebglaw.com/events/overview-and-implications-of-the-house-republican-bill/
These materials have been provided for informational purposes only and are not intended and should not be construed to constitute legal advice. The content of these materials is copyrighted to Epstein Becker & Green, P.C. ATTORNEY ADVERTISING.
CBO analysts use the agency’s revised health insurance simulation model, HISIM2, to generate estimates of health insurance coverage and premiums for the population under age 65. The model is used in conjunction with other models to develop baseline budget projections (which incorporate the assumption that current law generally remains the same). It is also used to estimate the effects of proposed changes in policies that affect health insurance coverage. This presentation provides an overview of the model.
This document provides a comprehensive list of all the tax hikes included in the Senate health care bill. It outlines numerous new taxes and tax increases that would impact individuals through mandates, employers, health insurance plans, medical companies and devices, and more. In total, it estimates the tax hikes would raise over $500 billion in new tax revenue over 10 years.
US Healthcare Reform Landscape - Addendum to June 2018 Presentation to the Ch...Dan Wellisch
This is an addendum to the June 2018 presentation (to the Chicago Technology For Value-Based Healthcare Meetup https://www.meetup.com/Chicago-Technology-For-Value-Based-Healthcare-Meetup/) containing interesting info. about what may replace the Affordable Care Act
Comments on Affordable Care Act and other healthcare issuesDickson Consulting
CardiacAssist is a medical device company based in Pittsburgh that manufactures the TandemHeart circulatory assistance device. In a presentation to the White House Business Council Roundtable, the company's CFO discussed several concerns with the Affordable Care Act including the medical device tax, volatile healthcare insurance premiums, and provisions that may promote age and family discrimination in hiring. The CFO also expressed concerns about overregulation by the FDA and CMS, the need to address addiction and obesity issues, and a desire for less government control over the healthcare system and insurance marketplace.
(1) The document discusses different scenarios states may face in their health insurance markets following the Supreme Court decision on the Affordable Care Act.
(2) It outlines options for states like expanding Medicaid only to 100% FPL instead of 138% or buying low-income residents into the insurance exchange.
(3) The document provides data on who would be affected by different state choices, including demographic characteristics and estimates of churn between Medicaid and subsidized exchange plans.
This is a dicussion about the 2010 Health Reform Laws, what they mean to the local community, employers, business, and citizens of the community, and what the opportunity is under health reform for communities to retake control of their health care finance plan and build on their personal relationship with their health care providers.
The document discusses how sin has separated mankind from God, themselves, each other, and nature. This results in broken relationships and insecure people. It explores how our self-image is shaped by early experiences and influences our lives. A healthy self-image is seeing ourselves as God sees us - with inherent worth as his creation. An unhealthy self-image can stem from pride or a distorted view formed by others' opinions in childhood.
Using the Affordable Care Act to Close Workers Compensation CasesTeddy Snyder
The Affordable Care Act provides new safety nets to assure injured workers ongoing medical care: private health insurance regardless of pre-existing condition, expanded Medi-Cal/Medicaid, Medicare prescription help, and new programs for those who are enrolled in both Medicare and Medi-Cal/Medicaid. When choosing a mediator, make sure the mediator can help fashion settlement solutions using all available resources, including the Affordable Care Act.
This document summarizes the key provisions of HB 1001, which is a budget bill for Indiana. Some highlights include: no tax increases, a balanced budget, increased K-12 education funding, provisions around Medicaid and health care, and changes to education funding including virtual charter schools and teacher awards. It also covers taxes, universities, and state employee compensation.
The Executive Appropriations Committee meeting summary provided updates on several items:
- Revenues for FY2010 are estimated to be $50-150 million below targets due to lower than expected income tax payments.
- A proposal to incorporate more performance measures into the budget process to emphasize results and accountability.
- Approval of several new and continuing federal and non-federal grants requiring legislative action.
Small business medical insurance costs continue to rise a midst the uncertainty of future reforms and regulations. This white paper reviews 2012 health care trends and 3 strategies to mitigate the rising costs of health insurance.
Handouts from presentation given to the International Occuaptioanl Medicine Society Collaborative on Saturday, 28 June, 2014 by John Harrison, MD, FRCP, FRCP (Edin), FFOM.
Case study of workers compensation experience compared to SIC benchmark statistics. Also includes an examination of the NCCI experience mod and its impact on premium.
Some Great Business Ideas, shared by Ali MayarAli Mayar
This document discusses business ideas that require little startup capital. It begins by addressing common reasons people do not start businesses, such as fear of failure, lack of knowledge, and perceived lack of money. However, the document cites data showing that 69% of new businesses need less than $10,000 to start. It then provides 48 specific low-cost business ideas, such as providing transportation services for Amish communities or becoming a specialist artist. The document encourages sharing ideas with others for feedback and finding something you are passionate about.
The document provides state information for Illinois' 2012-2013 block grant application including:
- The Illinois Department of Human Services Division of Mental Health will be the grantee.
- Contact information is provided for Mary Smith, who is responsible for the application submission.
- The most recent state expenditure period that is closed out is July 1, 2009 to June 30, 2010.
The document summarizes an interview with Dr. Alexander Nesbitt, a physician who transitioned from family practice to focus full-time on hospice and palliative care. He helped establish palliative care services at a hospital and opened an inpatient hospice. This required convincing administrators of the benefits and assembling different parts of the practice over time. The interview discusses how he built his practice and makes the case for hospice and palliative care services.
The document provides guidance on retail selling techniques and skills. It discusses the importance of understanding customer expectations and needs. It introduces the AIDA technique for generating customer attention, interest, desire and action. Key steps in the selling process are outlined, including pre-sale preparation, opening the sale, progressing the sale through needs analysis, sales presentation, handling objections, and building post-sale relationships. Customers' motivations must be understood to effectively match products and benefits.
Our self image is made up of what we think and feel about ourselves. Our self image affects the way we look and the way we behave. We are what we think we are. So let's get our thinking right.
1) Self-esteem refers to a person's sense of their own self-worth or value. Media can create unrealistic standards that negatively impact self-esteem.
2) Satan and internal criticism can also harm self-esteem through negative thoughts and self-talk.
3) Knowing our true identity and worth as beloved children of God, as described in scripture, can help combat these influences and build healthy self-esteem.
The document discusses self-image and the factors that influence it. Several surveys are presented that explore peoples' perceptions of themselves and how others view them. The majority of people believe in themselves and their abilities, though some are influenced more than others by peers and media. Improving self-image involves focusing on personal strengths and changing negative thoughts.
Health Care Reform: Connecting the Present to the FutureDoeren Mayhew
Is grappling with health care reform making you want to lie down on a gurney? At CPA and advisory firm Doeren Mayhew's 2014 client conference, USI Executive Vice President Mike Turpin provided an insider’s view on the dark arts, hidden secrets and possible direction of health care today. CEOs and CFOs learned ways to impact cost, practices and dysfunctions that cause plans to be more expensive than they need to be, and ways to hold vendors and your own teams more accountable for low, single-digit medical trends.
The document provides information about how the Affordable Care Act benefits small businesses in Illinois. It discusses how the law provides immediate tax credits for small businesses to help pay for employee health insurance and creates a health insurance exchange by 2014 where small businesses can purchase affordable plans. It also summarizes other provisions that help small businesses and consumers, such as banning pre-existing condition exclusions and allowing adult children to stay on their parents' plans until age 26.
Medical Gap Plans - Reduce Health Plan CostsPeter Toth
Medical Gap Insurance reduces the costs of health insurance. Health Insurance costs contine to rise ans this is one of the best solutions that Insurance Brokers can show their clients and prospects. Medical gap plans can be for insured or self funded medical plans. These are not just voluntary plans any longer.
Discussion of House and Senate Bills: The major provisions and the facts as to how they impact you and me: e.g. insured and uninsured, small business owners.
Debunking the myths: What the right-wing opponents of reform are saying and the truth.
This presentation discusses the impact of health reform. It begins by defining the problem, then provides an overview of legislation and the impact on business. It provides a contrarian view of the subject and explains why health reform is really insurance reform. It also introduces the concept of consumer sovereignty,
This document summarizes key information about health care spending and coverage in the United States. It shows that most health spending goes to hospital care, physician services, and prescription drugs. It is financed through private insurance, Medicare, Medicaid and other payers. The US spends a higher percentage of GDP on health care than other countries. The Affordable Care Act expanded coverage through reforms like the individual mandate, Medicaid expansion and subsidies. Repealing the ACA could increase the number of uninsured by over 20 million and add $150-1.75 trillion to the federal deficit over 10 years. Partial repeal options could also have significant costs depending on the specific provisions changed or delayed.
This document advocates for a single-payer health care system in Pennsylvania called the Pennsylvania Health Care Plan (PHCP). It argues that a single-payer system would reduce administrative waste, lower healthcare costs for individuals and businesses, create jobs, and provide universal healthcare coverage for all state residents. The analysis estimates that the PHCP would save over $32 billion annually compared to the current system due to reductions in insurance company overhead, drug prices, and healthcare utilization increases from reduced cost-sharing. The savings would finance expanded coverage and lower the growing burden of healthcare costs on the state economy.
WellPoint is working to address challenges in the US healthcare system related to affordability, access, quality care, and improved health. Regarding affordability, WellPoint is achieving administrative cost savings, helping contain healthcare costs, and providing consumers with information to help manage their own costs. For access, WellPoint is creating more affordable coverage options, finding ways to provide coverage to low-income Americans, and overcoming barriers like language and lack of local resources. Regarding quality care, WellPoint is collaborating with healthcare providers to improve clinical performance and establish evidence-based best practices. WellPoint also offers health improvement programs to help members manage chronic conditions and contribute to better health outcomes.
The document provides an overview of American health reform, including its rationale and key implications. It discusses three main parties in the healthcare system - individuals, insurers, and providers - and how their interactions were impacted by reform. Specifically, it summarizes changes to how individuals acquire insurance through the creation of state health insurance exchanges, expansion of Medicaid, and use of subsidies. It also reviews the new employer and individual mandates imposed by reform.
On Thursday July 19th, 2012, the Taylor-Wilks Group held a free Health Care Symposium to provide resources and answer questions regarding the Affordable Care Act. This is some content from the event.
Roger Kirtley, Lyons Companies, Health Care Reform Legislation Panel, June 2,...Delaware State Chamber
View this powerpoint delivered by Roger Kirtley, a Risk Management Advisor with Lyons Companies about the Health Care Reform Legislation. This presentation was given on June 2, 2010 at the Delaware State Chamber of Commerce's End-of-Session Legislative Brunch at Dover Downs.
CBIZ Manufacturing & Distribution Quarterly Newsletter – June 2021CBIZ, Inc.
This issue newsletter tackles two of the hottest topics for the Manufacturing & Distribution sectors – supply chain challenges and the newly supercharged employee retention tax credit (ERTC). The article on innovations in employee benefits informs another critical operational issue – that of staffing – as employee benefits are key to recruiting and retaining qualified employees. Articles on managing insurance costs (and links to a pre-renewal data checklist) and how to work with the U.S. Commercial Service to access global markets round out this packed issue. As an added bonus, News from the NAM provides cutting edge industry commentary.
Colonial Life And Accident Broker Presentation 1011mrwhayes
The document discusses the rising costs of health care in the US and the challenges it poses for employers and consumers. It notes the proliferation of health insurance acronyms and complexity of the system. Various factors driving up costs are outlined, including an aging population, increased medical inflation, and government intervention. This has led employers to shift more costs to employees through higher deductibles and premiums. Consumer-driven health plans such as health reimbursement accounts (HRAs) and health savings accounts (HSAs) are presented as ways to help control costs by making consumers more responsible for health care spending.
The document is a newsletter from Mike Wojcik discussing rising healthcare costs, the impacts of the Affordable Care Act, and strategies for controlling costs. It notes that a new study projects healthcare spending to grow faster than GDP over the next decade. It also discusses provisions of the ACA like expanded preventive care coverage for women and guidelines for employer health subsidies in 2014. The newsletter provides updates on legislative actions and profiles initiatives by healthcare organizations like Blue Shield to reduce costs and improve care.
The document discusses how the US healthcare system is currently pre-industrial and will undergo disruption through industrialization. It argues that healthcare costs are unsustainably high and increasing faster than wages or inflation. As consumers face higher deductibles and premiums, consumerism will drive changes in the system. The document also notes several problems including the instability of Medicare and Medicaid funding, an aging population increasing demand, and significant issues with patient safety. It believes elements of value-based care and payment reform show signs of an emerging industrialized, more efficient healthcare model in the US.
Hosted by the United States Department of Health and Human Services and Small Business Majority. This webinar focused on what the new healthcare law, the Affordable Care Act, means for Kentucky small businesses. It focused on both federal and state provisions to help local small business owners understand how the law will affect them.
The document discusses the implications of the Affordable Care Act on individuals, employers, and the healthcare industry. It finds that the Act will provide coverage to around 30 million uninsured Americans through Medicaid expansion and insurance subsidies. For individuals, there will be a penalty for not obtaining coverage starting in 2014. Employers with over 50 employees will face a penalty starting in 2015 if they do not provide affordable coverage. The healthcare industry will see both costs and revenues impacted, with insurers expected to gain many new customers but also facing new regulations, and hospitals losing some funding but gaining new insured patients. Overall the impacts are viewed as manageable for most employers and positive for the healthcare sector in the long run.
Tackling the Tough Topics: The public plan option, employer pay or play, and ...soder145
Presentation by Jean Abraham of the University of Minnesota at the Minnesota Senate Health and Human Services Budget Division hearing in St. Paul, MN, August 18 2009.
The document discusses key aspects and requirements of the Patient Protection and Affordable Care Act (PPACA), also known as Obamacare. It summarizes that the PPACA will affect everyone through provisions taking effect in 2014 such as health insurance exchanges, essential health benefits, penalties for individuals without coverage, and penalties for large employers not providing affordable coverage. The document also compares fully insured versus self-funded health plans under the PPACA, noting advantages of self-funding including more flexibility and ability to control costs.
ACA Healthcare legislation and attempts at increasing regulation of self-funding and stop loss coverage are driving more employers toward stop loss captives.
Similar to Health Reform: Self-Employed Perspective (20)
2. The Self‐Employed Face Unique Cost Hurdles
for Health Insurance
f H lth I
• One‐third of self‐employed individuals are currently uninsured, with cost
being the primary reason for their lack of insurance.
• p p y g
71 percent of self‐employed individuals have gone uninsured at some
point in their lives.
• From 2005 to 2008, the percentage of micro businesses (firms with fewer
From 2005 to 2008 the percentage of micro‐businesses (firms with fewer
than ten employees) that offered their employees health insurance
dropped from 46 percent to 18.6 percent. Rising health costs were the
p
primary reason given dropping coverage.
y g pp g g
Source: National Association for the Self‐Employed (NASE) 2008 Survey, Health Coverage: A Micro‐Business Perspective
Prepared by the National Association for the Self‐Employed (NASE)
www.NASE.org
3. Smallest Businesses are Hardest Hit by High Health Costs
20.0%
17.6%
17.5%
15.0%
12.5%
10.0%
7.4% Health Care Cost As a
7.5%
Percentage of a Firm's Gross
5.0%
5 0% 4.3%
4 3% Sales
2.4%
2.5%
1.0%
0.0%
Source: National Association for the Self‐Employed (NASE) 2008 Survey, Health Coverage: A Micro‐Business Perspective
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
4. Patient Protection and Affordable Care Act (H.R. 3590)
Pros & Cons for the Self‐Employed
P &C f th S lf E l d
PROS
• Insurance market reforms such as banning health status from being
used by insurance companies to determine whether an individual or
used by insurance companies to determine whether an individual or
small business gets access to health insurance.
• Premium assistance though limited to individuals and small employers
Premium assistance, though limited, to individuals and small employers.
• Creation of a health marketplaces known as Exchanges.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
5. Patient Protection and Affordable Care Act (H.R. 3590)
Pros & Cons for the Self‐Employed
P &C f th S lf E l d
CONS
• Insufficient immediate cost savings on health coverage for the self‐
employed and micro‐business
l d d i b i
• Exchange design
Exchange design
• New benefit requirements
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
6. CON: Insufficient Immediate Cost Savings on Health
Coverage for the Self‐Employed
C f th S lf E l d
• The self employed will have to wait until 2014 to receive any financial
The self‐employed will have to wait until 2014 to receive any financial
assistance to afford health coverage.
• Those self‐employed business owners with an individual household income
above $43,320 or a family (of 4) household income above $88,200 will
b $43 320 f il ( f 4) h h ld i b $88 200 ill
experience a 10 to 13 percent increase in health costs after reform, yet receive
no financial assistance for health coverage they will be mandated to purchase.
• Small employer tax credits are immediately available in 2010, however they
are temporary. A small business would have to drop existing employer‐based
coverage in 2014 and purchase new group coverage in the Exchange in order
to continue receiving premium assistance. The assistance in the Exchange is
to continue receiving premium assistance. The assistance in the Exchange is
only available to small employers for two years leaving them to face higher
health costs in 2016. In addition, according to NASE research only 18.6% of
micro‐businesses were providing employer‐sponsored coverage in 2008 and
thus would have access to this credit.
thus would have access to this credit.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
7. CON: Exchange Design
g g
• State‐based or regional Exchanges as laid out in H.R. 3590 will be less effective
St t b d i lE h l id t i H R 3590 ill b l ff ti
than a national Exchange to lower the cost of coverage and attract
competition.
• A larger pool will lower costs and provide greater administrative efficiencies.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
8. CON: Requirements on Benefits Too Costly for Self‐
Employed
E l d
• The Senate legislation creates an essential health benefits package and all
Th S t l i l ti t ti l h lth b fit k d ll
insurance policies, in and out of the Exchange, will be required to meet these
qualifications.
• According to CBO, the Senate bill swings the delicate pendulum between cost
and benefit mandates too far, leaving those in the individual market such as
the self‐employed to pay anywhere from 10 percent to 13 percent higher
th lf l dt h f 10 t t 13 t hi h
premium costs after reform.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
9. How to Fix Health Care to Provide the Self‐Employed with
Immediate Cost Savings
I di t C t S i
Providing Immediate, Bottom Line Cost Savings on Health
Coverage for the Self‐Employed:
f h lf l d
• Make tax treatment of health care costs fair for all businesses
• Expand Health Reimbursement Arrangements (HRAs) to assist the self‐
employed in providing financial assistance to their workers for health costs
• Provide premium assistance for individuals and families upon enactment
of a final health reform act
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
10. Make Tax Treatment of Health Care Costs
Fair for All Businesses
F i f All B i
ISSUE:
Sole proprietors, which over 22 million and represent 78% of all small
businesses in the United States, are the only business entity that does
not receive a full deduction for health insurance costs.
t i f ll d d ti f h lth i t
Since they do not receive this deduction, they are required to pay
significantly more in self‐employment tax, their payroll taxes, than larger
significantly more in self employment tax their payroll taxes than larger
businesses.
How much is this extra tax?
How much is this extra tax?
This inequity results in the self‐employed paying
15.3 percent in additional taxes.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
11. How Much is this Extra Tax?
Under the Patient Protection and Affordable Care Act (H.R. 3590), the self‐
employed will have to pay the following in extra taxes:
Individual Coverage
d dua Co e age Family Coverage
a y Co e age
$5,800 premium costs* $15,200 premium costs*
X X
15.3 % self‐employment tax 15.3 % self‐employment tax
$887.40 in extra taxes $2,325.60 in extra taxes
* According to the Congressional Budget Office analysis of health premium costs in 2016 once provisions of H.R. 3590
According to the Congressional Budget Office analysis of health premium costs in 2016 once provisions of H.R. 3590
have been fully implemented.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
12. How Much is this Extra Tax?
The self‐employed who do not qualify for the tax credits in H.R. 3590 (those with a household income above $43,320
for individuals and above $88,200 for a family of four) will receive no financial assistance for health costs, yet will be
mandated to purchase coverage.
In fact, due to new benefit requirements in H.R. 3590, they will have to pay 10 to 13 percent higher premium costs
than they would without reform.
What does this mean to the
Type of Premium Self‐Employment Amount of
amount of taxes the
Coverage Costs* Tax Taxes
self‐employed must pay?
Individual
coverage
coverage $5,500 15.3% $841.50 5.5%
without reform Increase in
Individual Taxes
coverage after $5,800 15.3% $887.40
reform
Family coverage 16.0%
without reform $13,100 15.3% $2,004.30
Increase in
Family Coverage Taxes
after reform $15,200 15.3% $2,325.60
* According to the Congressional Budget Office analysis of health premium costs in
2016 once provisions of H.R. 3590 have been fully implemented.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
13. Make Tax Treatment of Health Care Costs
Fair for All Businesses
F i f All B i
SOLUTION:
Equalizing the tax treatment of health costs for the self‐employed in H.R. 3590, as
recommended in the Equity for Our Nation’s Self‐Employed Act (S.725), would lower health
costs for all self‐employed in our nation.
Estimated bottom line cost savings to the self‐employed:
$887* for those with individual coverage
g
$2,325* for those with family coverage
NOTE:
The NASE supports the effort of Senators Landrieu, Lincoln, Shaheen and Bayh (S. Amdt. #3013) to
The NASE supports the effort of Senators Landrieu Lincoln Shaheen and Bayh (S Amdt #3013) to
provide the self‐employed with a 50% business deduction for their health costs for the purposes of
self‐employment tax in H.R. 3590. This is a good first step in leveling the playing field and providing
health care cost savings for the self‐employed.
* Based on the Congressional Budget Office analysis of health premium costs in 2016 once provisions of H.R. 3590 have been fully implemented. If
implemented in 2009, S. 725 would save self‐employed business owners $738 for those with individual coverage and $2,046 for those with family
coverage based on Kaiser Family Foundation’s 2009 average costs of family and individual coverage in the United States.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
14. Help the Self‐Employed Provide
Financial Assistance to Their Workers for Health Costs
Fi i lA i t t Th i W k f H lth C t
ISSUE:
Skyrocketing premium costs have caused a massive drop of employer‐based
coverage in the micro‐business demographic.
• In 2005, 46.2 percent of micro‐businesses (firms with fewer than ten employees) offered their
I 2005 46 2 t f i b i (fi ith f th t l ) ff d th i
employees health insurance. In 2008, that number dropped to 18.6 percent. The primary reason
for dropping employer‐sponsored, group health coverage was cost.*
• A majority of micro‐businesses feel it is necessary to offer health coverage as a benefit to attract
A j it f i b i f l it i t ff h lth b fit t tt t
qualified workers.
*Source: National Association for the Self‐Employed (NASE) 2008 Survey, Health Coverage: A Micro‐Business Perspective
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
15. Expansion of Health Reimbursement Arrangements (HRAs)
p g ( )
Improving Health Reimbursement Arrangements (HRAs) to allow the self‐employed
business owner (sole‐proprietor) to participate in the plan would increase the number of
business owner (sole proprietor) to participate in the plan would increase the number of
micro‐business owners and employees receiving health benefits and financial assistance
with medical costs.
What is a Health Reimbursement Arrangement?
• HRAs are a flexible benefit option that allows small business owners to reimburse employees tax‐ free for out‐of‐pocket medical costs,
including health insurance premiums. Furthermore, the reimbursements are tax‐deductible for the business.
• An HRA allows the business owner to determine the maximum amount of annual reimbursement an employee will receive, whether the HRA
funds may be rolled over to the next year and if so, how much of an employees’ HRA funds can be rolled over to the next year.
• HRAs are extremely flexible and easy for the self‐employed to set up and administer. This is an important feature for a business owner who
is responsible for managing every aspect of their business.
• An important component of HRAs is the non‐discriminatory rules that apply to them. If an HRA is set up, the benefits must apply to all
employees. A business owner is not allowed to offer the benefit to only certain employees or allow some to have a higher amount of annual
reimbursement.
• An HRA does not require the business owner to purchase a group health plan. An important feature considering only 18.6% of micro‐business
owners offer employer‐based coverage to their workers.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org
16. Why is Health Reimbursement Arrangement (HRA)
Expansion Important to Health Reform?
E i I t t t H lth R f ?
• All self‐employed and micro‐business will be exempt from an employer mandate,
however current reform proposals will require they and their workers have health
coverage.
• Under the Patient Protection and Affordable Care Act, the self employed (sole
Under the Patient Protection and Affordable Care Act, the self‐employed (sole‐
proprietors) are unable to take advantage of the small employer tax credit, leaving
them with no assistance to provide coverage to their workers.
An HRA can assist self‐employed business owners that are unable to afford group insurance
A HRA i t lf l db i th t bl t ff d i
to offer some financial assistance to their employees.
Since cost is such a crucial factor for micro‐business when it comes to health benefits, an
HRA gives the owner consistency when it comes to benefit costs.
HRA i th it h it t b fit t
Additionally, micro‐business employees would likely receive more generous HRA
reimbursement amounts if the self‐employed owner receives the same benefit.
Prepared by the National Association for the Self‐Employed (NASE),
www.NASE.org