1.Group Employer – 145 million (incl. dependents) 2.Personal Policies – 40 million (up from 12 million in 2002) 3.Medicare – 47 million (incl. 12.

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Presentation transcript:

1.Group Employer – 145 million (incl. dependents) 2.Personal Policies – 40 million (up from 12 million in 2002) 3.Medicare – 47 million (incl. 12 million in MA) 4.Medicaid – 45 million (incl. 8 million over 65 or disabled) 5.Uninsured – 40 million (PC #, closer to 10 million)

2.Personal Policies – May increase to 185 million (more with GOP plans) 3.Medicare – 47 million (incl. 12 million in MA) 4.Medicaid – 45 million (less with GOP plans) 1.Group Employer – May drop to 20 million (incl. dependents) Lose 125M here 5.Uninsured –20 million Lose 20m

1.Group Employer – 20 million (incl. dependents) 2.Personal Policies – 185 million (more with GOP plans) 3.Medicare – 47 million (incl. 12 million in MA) 4.Medicaid – 45 million (less with GOP plans) 5.Uninsured –20 million From 28 million 1 to 125 million 2 consumers will change how and where they get their insurance in 2014 Sources: 1 Congressional Budget Office, 2 McKinsey Consulting

Example: Family of 4 making $55k a year premium of $14,556. Single premium $5400 Employer Contribution Employee Contribution Government Contribution Minimum contribution from ER (9.5% AGI) $175$14,381$0 50% of single $2,800$11,756$0 100% of single $5,400$9,156$0 50% of family $7,278 $0 Offer no coverage $0/2k$4,135$10,421

AON Hewitt survey of 562 U.S. Employers, Nov 2011 CHANGE Rising Costs Reform Exchanges New/Other Benefit Models Traditional Group Benefits Disruptive Solutions Dynamic Marketplace OPPORTUNITY 72% - Planning on ExchangesWhat Models? 86% - Reduce costs 45% - Improve access to quality plans 43% - Enhance wellness programs 43% - Increase healthcare choices Why?