Advocating Value and Innovation in Healthcare by way of these Key Actions:

1. Join other like-minded employers for a day of education and innovation! Employers’ Health Coalition will introduce strategies and cost saving programs that will cure your health insurance BLUES!

2. Advocating Value and Innovation in Healthcare by way of these Key Actions: • Representing Employers in Negotiations for the Highest Quality Healthcare at the Lowest Possible Cost • Promoting Transparency in Healthcare Costs and Quality • Providing Educational Opportunities Across all Levels of Coalition Membership • Providing a Vehicle for Employers to Exchange Ideas & Information about Healthcare The Mission of Employers' Health Coalition is to arrange and promote programs and activities designed to benefit employer/employee provided health care; to promote access to and information about quality healthcare thereby enhancing the general health of the community. 

3. What’s frustrating to the “C Suite” about their health insurance program? No Control Unjustified Rate Increases Lack of Transparency Little (or no) Claims Info Stuck in a Bad Pool Challenges in Implementing Wellness You’re too small to be self-funded Forced to react - Not Strategic

4. Health Benefits Cooperative “Swimming in a HEALTHIER pool!”

5. What is a group cooperative? “…a self-insured health fund with individual stop-loss contracts and funded to the maximum liability that gives members the ability to control their claim costs, learn and apply best practice strategies, flexible payment options AND advantage a “healthier pool!” Plus, when you become a member you also become a stakeholder with like-minded business owners partnering together to spread the risk of insurance and reap the rewards of a well-managed fund.”

6. COOPERATIVE STRUCTURE(member groups total 2,500 – 5,000 employee lives) Paid Monthly to Stop Loss Carrier $300,000+ Paid Into Coop Shared Layer from Stop Loss Premium $25,000+ $300,000 Employer “owns” and greatest savings opportunity Claims Paid by Employer “UP TO” the SIR $25,000+ Individual Self Insured Retention Layer (SIR)

7. Sample Company vs. Fully Insured $1M Annual Premium Carrier renewal estimate = 13% - 18% Cooperative renewal estimate = 7% - 12% • $750,000 Total Claims (not a “great” claims year) • $500,000 claims less than $25,000 (SIR claims) • $250,000 claims paid from shared layer

8. SAMPLE CAPTIVE A B C D E F G H I J • 10 Members • $2,000,000 Loss Funds • 80% LF Loss Ratio = $400,000 Remaining • 10% pro-rata portion = $40,000

9. SAMPLE COMPANY • $750,000 Total Claims • $500,000 claims less than $25,000 • $250,000 captive layer

10. Health Benefits Cooperative“Swim in a Healthier Pool!” • Risk Management and Wellness Program Coordination • Population health and trend forecasting data analytics • Multiple plan designs and emphasis on PCP benefits • ECRx pharmacy BENEFIT program • Patient portal with health education tools • Value Based Benefits and Risk Saving Programs • High value provider networks* • Patient concierge services • $0 co-pay telemedicine • Free diabetic testing supplies for patients and health coaching • Bundled surgery payments for certain procedures • Interventional orthopedics • Well-being, employee engagement and employee assistance programs • * Where networks are available

11. Health Benefits Cooperative

13. “Delivering value for EACHmember!”