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2 ACA IS FAILING Higher premiums and fewer options The percentage of workers at small firms receiving coverage through their employer has declined from nearly half in 2010 to about one-third in In 2018, more than 1,500 counties (nearly 50 percent of all counties) are projected to have only one option on their individual insurance exchanges, according to the Centers for Medicare and Medicaid Services. From 2013 to 2017, average premiums for individual health insurance plans have doubled, increasing by $2,928 according to the Department of Health and Human Services.

3 OBAMACARE IS FAILING Higher premiums and fewer options 500,000 fewer Americans enrolled in an Obamacare plan in 2017 compared to the prior year. Current exchange enrollment is 60% below what the Congressional Budget Office expected when the law took effect. 6.7 million Americans chose to pay the Obamacare penalty in 2015 rather than purchase insurance on the exchanges. 37% of penalized households made less than $25,000, and 79% of penalized households made less than $50,000

4 Number of Plans by Metal Tiers 2017 / 2018 Carrier 2018 Counties PLANS & COUNTIES BY CARRIER 2017/ 2018 Catastrophic Bronze Silver Gold Platinum Total Plans Product Types 2016 Membership Membership in filing Increase BCBSM 83 / PPO 115, , % BCN 82 / HMO 134, , % HAP 18 / HMO & PPO 13,274 25, % McLaren 39 / HMO 2,206 2, % Meridian 11 / HMO 3,096 2, % Molina 5 / HMO 3,956 26, % Physicians Health Plan 8 / HMO 3,508 3, % Priority 68 / HMO 85, , % Total Health 4 / HMO 6,389 5, %

5 Health care commissions st year Renewal HAP 2% 1% Priority 2% 1% Blue Cross 2% 1% *Always subject to change

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7 2018 HAP Plans

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11 BCBSM 2018 PROPOSED MARKET PORTFOLIO Partnered 3 counties-bcn Metro Detroit HMO 3 counties- BCN Select 18 counties- BCN Preferred Statewide- BCN Premier Statewide- BCBSM Gold Gold Silver Extra Silver Extra Silver Extra Silver Extra Silver Extra Silver Silver Silver Silver Silver Silver Off Marketplace Silver Off Marketplace Silver Off Marketplace Silver Off Marketplace Silver Off Marketplace Silver Saver Silver Saver Silver Saver Silver Saver Silver HSA Bronze Bronze Bronze Bronze Extra Bronze Saver- HSA Bronze Saver- HSA Bronze Saver- HSA Bronze Saver- HSA Bronze HSA Bronze Saver Value Value

12 INDIVIDUAL Snap shoot BC Select HMO Bronze Saver $ $ $ $ My Priority HSA Bronze 6650 $ $ $ $ HAP Personal Alliance 7350 HMO $ $ $ $623.73

13 COUPLE Snap shoot BC Select HMO Bronze Saver $ $ $ $1, My Priority HSA Bronze 6650 $ $ $ $1, HAP Personal Alliance 7350 HMO $ $ $ $1,247.46

14 FAMILY Snap shoot BC Select HMO Bronze Saver $ $ $1, $1, My Priority HSA Bronze 6650 $ $ $1, $1, HAP Personal Alliance 7350 HMO $ $ $1, $1,642.30

15 FOUR GOOD OPTIONS Medi- Share STM Health Care Access Plans Bundled benefits Follow ChuckRichards@sap_vmo

16 President Trump signed an Executive Order to reform the United States healthcare system to take the first steps to expand choices and alternatives to Obamacare plans and increase competition to bring down costs for consumers.

17 1. The order directs the Secretary of Labor to consider expanding access to Association Health Plans (AHPs), which could potentially allow American employers to form groups across State lines. 2. The order directs the Departments of the Treasury, Labor, and Health and Human Services to consider expanding coverage through low cost short-term limited duration insurance (STLDI). 3. The order also directs the agencies to consider expanding tax-free, employerfunded Health Reimbursement Arrangements (HRAs) to give employees greater flexibility and control of their health care costs.

18 Health Income Vital Can you afford your plan in a time of need? Do you have the funds available to cover your deductible? Can you afford your healthcare premiums if your not working? What most important, paying your healthcare premiums or putting food on the table and keeping a roof over your head? Solution

19 24 hour coverage Worldwide coverage Freedom to choose any doctor or hospital no networks Access to telemedicine 24/7 $100,000/ $500,000 benefit per quarter STM PLUS PLAN Hospital Surgical Deductible options of $1,000, $1,500, $2,000, $2,500, $3,000, $5,000, $7,500 and $10,000 coinsurance options 20%-30% 100% after Ded / Coins k 397 per mo. 40 single 155 per mo. Discover the difference SureBridge Supplemental Cancer Stroke Heart Attack Critical Illness Cash paid to you Accident / Injury $60,000 $1,000 lump-sum cash benefit per injury for emergency treatment received in an ER or urgent care facility $10,000 lump-sum cash benefit for accidental injuries that result in a hospital confinement Follow ChuckRichards@sap_vmo

20 NO ACA tax penalty Freedom to choose any doctor or hospital no networks Network discounts (PHCS) $0-cost, 24/7 telemedicine MEDI-SHARE PLUS Hospital Surgical Deductible (AHS) $1,250, $2,500, $3,750, $5,000, $7,500 and $10, % after Annual Household k 484 per mo. 40 single 234 per mo. Discover the difference SureBridge Supplemental Cancer Stroke Heart Attack Critical Illness Cash paid to you Accident / Injury $60,000 $1,000 lump-sum cash benefit per injury for emergency treatment received in an ER or urgent care facility $10,000 lump-sum cash benefit for accidental injuries that result in a hospital confinement Follow ChuckRichards@sap_vmo

21 All benefits paid to you (Cash) No networks k 323 per mo. 40 single 126 per mo. SUREBRIDGE BUNDLE Cancer Stroke Heart Attack Hospital Confinement Critical Illness $60,000 Hospital confinement Days 1-5 $1,000 Days 6-10 $500 Days $100 ICU/CCU Confinement Days 1-2 $2,000 Days 3-10 $1,000 Days $500 Accident / Injury $1,000 lump-sum cash benefit per injury for emergency treatment received in an ER or urgent care facility $10,000 lump-sum cash benefit for accidental injuries that result in a hospital confinement Discover the difference Follow ChuckRichards@sap_vmo

22 All benefits paid to you (Cash) No networks SUREBRIDGE BUNDLE k 466per mo. 40 single 189 per mo. Discover the difference Cancer Stroke Heart Attack Hospital Confinement Unable to work (14 days +) do to Acc. or illness $1,500 month up to 12 months Critical Illness $60,000 Accident / Injury $1,000 lump-sum cash benefit per injury ER/urgentcare $10,000 lump-sum cash benefit for accidental injuries that result in a hospital confinement Hospital confinement Days 1-5 $1,000 Days 6-10 $500 Days $100 ICU/CCU Confinement Days 1-2 $2,000 Days 3-10 $1,000 Days $500 Follow ChuckRichards@sap_vmo

23 Cash paid to you No networks Network discounts (PHCS) k 290 per mo. 40 single 113 per mo. CARE ACCESS Hospital Confinement Other covered services Inpatient surgical, outpatient surgical services, facility, surgeon, physician visits, and more (schedule benefits) $$ Hospital confinement Economy $1,000 Value $2,000 Superior $3,000 ICU/CCU Confinement Economy $1,500 Value $3,000 Superior $4,500 Cancer Stroke Heart Attack Critical Illness $40,000 Discover the difference Follow

24 The best strategy is a customized one. You must determined what they can t afford to lose? Can you afford your plan in a time of need? Do you have the funds available to cover your deductible? Can you afford your healthcare premiums if your not working? What most important, paying your healthcare premiums or putting food on the table and keeping a roof over your head? Follow ChuckRichards@sap_vmo

25 OPPORTUNITY IS WHAT YOU MAKE IT! Follow