The Affordable Care Act will significantly impact employers' health insurance plans beginning in 2014. It will require plans to cover minimum essential benefits and eliminate annual/lifetime limits. As a result, millions may have to purchase more expensive coverage. The ACA also imposes a new sales tax on health insurance that will increase premiums an estimated 1.9-2.3% in 2014 and 2.8-3.7% by 2023. This will mean more bureaucracy and increased need for cost control measures.

1. What will the health care law mean
for employers' insurance plans?
Answer: A lot!

2. Starting on January 1, 2014, the Affordable Care Act (ACA) requires all health insurance policies sold in the
individual market and to small employers to cover minimum essential health benefits (EHB), which include
items and services within at least 10 categories of benefits; no cost-sharing for preventive care; no annual or
lifetime limits on coverage; and a minimum “actuarial value” of sixty percent. The EHB requirement is much
broader than what many individuals and small businesses choose to purchase today, which means that millions
of people may be required to purchase coverage that is more expensive than they have now.

3. The ACA imposes a new $100 billion sales tax on health insurance that will add to the cost of
coverage for people purchasing coverage on their own, small employers, Medicare Advantage
beneficiaries, and Medicaid managed care programs. The Congressional Budget Office (CBO) has
said that this tax will be “largely passed through to consumers in the form of higher premiums.”
Analysts estimate this tax alone “will increase premiums in the insured market on average by
1.9% to 2.3% in 2014,” and by 2023 “will increase premiums 2.8% to 3.7%.”

7. It Means More _______ and need for a _____

8. Still with me?

9. What Can We Do About Rising Costs of
Healthcare?
Answer: A lot!

10. It Means More Bureaucracy and need for a Bureaucractic Killing Machine (BKM)

13. Reduce variation and use of “hip shoot got with my gut” decision making … invest in the power of
analytics, visualization, and smart decision making … work to convert data to info to knowledge
to wisdom … would you rather explain your “hip shoot-gut” or “evidence based” decision?

16. Improve Patient Adherence through patient engagement, remote health coaching, on-line
reminders, and social marketing before, during and after patient visits or encounters .. Patients
see their health teams on average 5-6 times for year or 90-120 minutes … how are we helping
them in the “white space” with sustained motivation, behavioral change and follow through?

17. Accelerate implementation of the HER in the federal health system … then use it to
conduct studies and analysis to improve quality of care and reduce the cost per capita

18. Create transparency, incentives, and excitement through ongoing dialogue to enable beneficiaries
to be more accountable and make better decisions about their healthcare with innovative
tactics, innovations, gaming, and behavior change strategies

19. Post the most popular, safe, credible, and free commercial and MHS mobile
apps on the organization's web site, then build a long term strategy and social
marketing program to maximize utilization and other apps ….

20. Invest, encourage, engage, and share knowledge as if it was a precious resource … are
you using the Kx to the greatest extent?

21. Focus on a few disease categories such as diabetes or low back pain to enhance human performance by
creating center’s of excellence model starting with analytics to establish a baseline of metrics, generate
innovation through knowledge sharing (Kx), creation of mobile apps, employment of social marketing to
engage and activate beneficiaries and patients, encourage use of on line information, e-health subscription
services and social network groups between visits or encounters, and provide intellectual reach back support
for health teams …

22. Comments?
One of the
original
AFMS
Customer
Service
“Skunks”
Col (ret) Doug Anderson
Doctoral Student: Health Administration, Central Michigan University
H: 304-263-4405 / C: 703-282-7669
On LinkedIn? Yes
Lets Blog: deadhacmu2015.wordpress.com
Twitter: @Doug_Anderson57
Enjoy The Show: www.slideshare.net/DouglasAnderson
Send Comments: quilldogdea@gmail.com
Note: the comments made are the author’s own not an official position; references to a company or organization do
not represent an endorsement .. you may share this document as free thought leadership knowledge