The New Health Law: What it Means for NH Small Businesses

About NH Voices for Health A network of advocacy organizations, consumers & small businesses committed to expanding access to quality, affordable health care Representing 200,000 consumers statewide Our activities: Convening stakeholders Sharing information and promoting a public dialog Expanding the states advocacy capacity Advancing savvy and meaningful policy changes on the state and federal level

Making Health Insurance More Accessible You can keep the coverage you have Exchange Transparency, choice, competition, pooled & simplified purchasing and portability Web portal Access regardless of health status / history Pre-Existing Condition Insurance Pool Extended family coverage for young adults Improved access to Medicaid

Making Coverage More Affordable Small business tax credits – For for-profits and non-profits – calculator/index.php calculator/index.php Individual premium & cost-sharing subsidies – Including for the self-employed – Employee Free Choice voucher

Early Retiree Reinsurance Strengthening premium rate review Limiting rating factors Reducing cost-shifting Reigning in excessive and wasteful costs Limiting administrative spending Making Coverage More Affordable

Other Investments Simplified cafeteria plans Workplace wellness program grants Health care cost control Tort reform

Improvements for NH Families: Strengthening Private Coverage Access regardless of health status / history No benefit limits No rescissions Waiting periods limited Essential health benefits package Cost-sharing limited No cost-sharing for preventive services Transparency of information

Improvements for NH Families: Strengthening Public Programs Medicaid Federal funding for expanded eligibility Improved reimbursement Medicare Improved preventive care Closing the donut hole Extending the solvency of the trust fund CHIP / Healthy Kids Silver Extended & increased federal funding

Shared Responsibility Based on the notions that: – The system works best when everyone is in it – We have an employer-based coverage system Expectation that large employers contribute toward coverage – Does not apply to small employers Individuals must purchase coverage if its affordable to you – Various exemptions and waivers

Decision-Making Continues Strengthening the law – 1099 provision – NonProfit tax credit disparity Implementation – Federal and State – Exchange

For More Information… nhvoicesforhealth.org Join our mailing lists for updates and information about our public meetings nhvoicesforhealth.org smallbusinessmajority.org Facts & FAQ about the new law and tax credit calculator smallbusinessmajority.org healthcare.gov Business fact sheets, timeline and tool to search for coverage healthcare.gov nhbusinesshealthoptions.com General health insurance information for small businesses nhbusinesshealthoptions.com