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Enhancing Healthcare Access: HealthPass and the Future of Affordable Insurance in New York

The HealthPass initiative in New York serves as a transformative health insurance exchange, offering small businesses access to over 30 affordable healthcare options. With a focus on community rating, guaranteed issue, and a public/private partnership, HealthPass addresses the needs of the working uninsured, ensuring that healthcare is accessible for all. By allowing employers to define contributions while offering employees a variety of plans, HealthPass personalizes healthcare choices, integrates value-added services, and simplifies administration, all while driving innovation in the private sector.

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Enhancing Healthcare Access: HealthPass and the Future of Affordable Insurance in New York

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  1. Health Reform HealthPass and Health Reform • Individual Mandate is good for all • Strict penalties needed for opting out • Affordable options for those within certain income ranges must be made available • New York is way ahead of the curve • Community Rating (modified outside of NY) • Guaranteed Issue • A Public Option? • Benefit to all if on a level playing field • Private sector – helps drive ingenuity • Role of the Health Insurance Exchange

  2. HealthPass – A Health Insurance Exchange • Public/Private Partnership • City of NY • NYBGH • Partner Carriers • EmblemHealth • GHI • HIP • Non-profit • Dual mission • Give small business greater access to quality, affordable healthcare (over 30 options) • Stem the tide of the working uninsured (over 50% of employers had no prior coverage) • Health Net • Guardian • UnitedHealthcare/Oxford (sole prop only)

  3. HealthPass – A Health Insurance Exchange • Offering of multiple carriers and plan designs to small business employees • Makes healthcare more affordable through choices • No need to purchased unused benefits • Employers define a contribution • Employees choose from a menu of plans that meet their risk and budget tolerances • HMO • EPO • POS • PPO • HSA • Cost Sharing Plans

  4. HealthPass – A Health Insurance Exchange • A one stop shop for benefits • Putting the “personal touch” back into healthcare • Value Added Services • Access to dental (DMO/PPO) and security products (LTD/Life package) • Administrative Liaisons to the carriers • Dedicated Member Services Team • Health Advocate • Medical Cost Advocate • COBRA/NYSC Billing and Administration • Section 125 POP kit

  5. HealthPass – A Health Insurance Exchange • Simplified administration • One Page Employer Application • One page Enrollment/Change form for Employees • One itemized bill • One centralized source for information and program rules • One choice to make – HealthPass – The Right Choice for Small Businesses

  6. Other Affordable Options in NY • Healthy NY (www.healthyny.com) • Brooklyn HealthWorks • Brooklyn based businesses only • EmblemHealth CompreHealth Plans • Lawrence Hospital (Bronxville) • Montefiore Medical Center • Atlantis Health Plans • HDHP/HSA plans

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