1. WELCOME! Richard Ollis

2.  The new law has been clarified and modified 7 times since March of 2010.  We expect another industry clarification before September 23, 2010.  Many insurance carriers are struggling with the new rules:  Grandfathering Provisions  New Pricing  New Mandatory Coverages  Management Only Plans

3.  Continued Updates on timelines, new developments, clarifications  Partnering with experts in other fields  Tax & Fine Implications – The Whitlock Company  Legal Implications – Polsinelli Shughart  Political Developments – US Chamber of Commerce  Developing HCR Business plans for our clients  Timelines  Communication Strategies  Plan Design  Wellness

4.  Should my business try to retain grandfather status?  If I have a management only plan or pay different amounts for classes of employees, can I continue this practice?  How should I communicate these changes to my employees?  Should I continue offering employee benefits?  What are the tax implications?  What’s next?

5.  Today our panel of experts will answer many questions and clarify insurance, tax and political implications of HCR as we know them today.  We will offer future notifications and seminars as the law is clarified and modified.  We have partnered with tax, legal, and political experts to help guide us through the implementation.  We will help develop a HCR business plan which will be updated as legal, tax, political and insurance conditions change.

6.  We will address questions at the end of each sequence of the program  Political  Tax  Insurance  We will take a break at 8:50am  Restrooms are located to the right as you leave the room  We will remain after the session for individual questions.