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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers1
Taking Care of Business:State Opportunities to Engage Employers in Health
Reform ImplementationEarly Ideas from State Health Access Program (SHAP) States
September 28, 2010
This event will begin at 1:00 pm Eastern
Please hold until Sonya Schwartz starts the conference
The audio portion of this web event can be accessed by dialing: 866.671.2810
Supported by a Contract with the
Health Resources and Services Administration
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers
Todays Agenda
1-1:10 Sonya Schwartz, Program Director, National Academy for
State Health Policy: Introductions; Overview of the State Health
Access Program (SHAP); Landscape of working with Employers
1:10-1:25 Stephen Horan, President, Community Health Solutions:
The Virginia Healthy Small Business Initiative
1:25-1:50 Terry Gardiner, National Policy Director of the Small
Business Majority: State Opportunities to Engage Employers in
Health Reform Implementation
1:50-2:05 Beth Walter, Program Director, Health Insurance
Partnership: Health Insurance Partnership: Engaging Small
Employers
2:05-2:30 Sonya Schwartz, Additional Resources, Moderated
Questions and Answers
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers
What is SHAP?
Grant funded program intended to help states expand access
to affordable health care coverage
Launched in October 2009 for an intended five years
Program administrated and monitored through a
partnership between: Health Services and Resources Administration (HRSA)
National Academy for State Health Policy (NASHP)
University of Minnesotas State Health Access Data Assistance Center
(SHADAC)
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers
SHAP States and Federal Health Reform
Align program activities with health reform requirements insurance exchange
building off ESI
simplified and unified enrollment systems
Use program evaluation to document experience with new
enrollee populations low-income adults
small businesses
Focus on programs that will remain relevant as part of the
safety net
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers6
SHAP States Are
NH
MA
NJ
CT
RI
DE
VT
DC
MD
PA
FL
GA
SC
KY
IN
OH
MI
TN
MS
AL
MO
IL
IA
L
A
AR
OK
NE
ND
SD
HI
M
T
WY
UT
AK
AZ N
M
ID
CA
KeyC: Children (6)
P: Parents (5)
A: Non-Custodial Adults (8)
R: Ribicoff, 19-20 year olds (1)W: Workers (8)
C, P,A, WC,A
W
P
C,A
W
W
C, P,A, W
A
A
Expanding coverage to newpopulations
NH
MA
NJ
CT
RI
D
E
VT
DC
M
D
PA
FL
GA
SC
KY
IN
OH
MI
TN
MS
AL
MO
I
L
IA
LA
AR
OK
NE
ND
SD
HI
MT
WY
UT
AK
AZ N
M
ID
CA
Key
P: Creating Public/Private
Partnerships (11)
S: Social Marketing (7)
P, S
PP
S
P
PP, S
P, S
P, S
P, S
P
Engaging stakeholders
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers7
SHAP States Are
NH
MA
NJ
CT
RI
DE
V
T
DC
MD
PA
FL
GA
SC
KY
IN
OH
MI
TN
MS
AL
MO
IL
IA
LA
AR
OK
NE
ND
SD
HI
MT
WY
UT
AK
AZ
NM
ID
CA
Key
E: Exchange (4)
3: Three-Share (6)
P: Premium Assistance (10)
B: Benefit Design (10)
3, P, BP
E, P, B
3
P, B
P,
B
3, P
3, P, B
3, B
E, P, B
B
Using innovative insurance
product design
NH
MA
NJ
CT
RI
DE
VT
DC
MD
PA
FL
GA
SC
K
Y
IN
OH
MI
TN
MS
AL
M
O
IL
IA
LA
AR
OK
NE
ND
SD
HI
MT
WY
UT
AK
AZ N
M
ID
CA
Key
T: Technology/System Improvement (5)
W: Primary Care Capacity/Workforce (1)
P: Payment Reform (6)
M: Medical Home (9)
T, MT,W, P, M
M
T, P, M
P, MT, M
P, M
M
P
Working on delivery
system improvement
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers8
Key National Health Reform
Provisions that Affect Employers
ExchangeIndividual Mandate
Free Rider Penalty
Insurance MarketReforms
EmployerMandate
EmployerTax Credit
IndividualTax Credit
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HRSA State Health Access Program
Webinar- State Opportunities to Engage Employers
Todays Agenda
1-1:10 Sonya Schwartz, Program Director, National Academy for
State Health Policy: Introductions; Overview of the State Health
Access Program (SHAP); Landscape of working with Employers
1:10-1:25 Stephen Horan, President, Community Health Solutions:
The Virginia Healthy Small Business Initiative
1:25-1:50 Terry Gardiner, National Policy Director of the Small
Business Majority: State Opportunities to Engage Employers in
Health Reform Implementation
1:50-2:05 Beth Walter, Program Director, Health Insurance
Partnership: Health Insurance Partnership: Engaging Small
Employers
2:05-2:30 Sonya Schwartz, Additional Resources, Moderated
Questions and Answers
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The Virginia Healthy Small
Business InitiativeThe Virginia SHAP Grant
Presented by:
Stephen Horan, PhDCommunity Health Solutions(Contractor to Virginia Department of Health)September 28, 2010
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Four Primary Goals Increase the number of small firms offering health
insurance and wellness programming
Increase the number of lower-wage workers enrolled inhealth coverage and wellness through employers
Mobilize communities to provide wellness resources andprogramming for uninsured children not eligible for
Medicaid/SCHIP
Create a paradigm shift among small firms regarding thevalue of health and health coverage to their overallbusiness strategy.
The Virginia HealthySmall Business Initiative
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Two Primary Strategies Develop a Virginia Center for Healthy Small Business as
a sustainable public/private partnership
provides outreach, education, research, and multi-sectorpartnerships for expanding small employer health coveragethroughout Virginia.
Pilot test then spread a small employer health insurance
+ wellness product subsidized first dollar coverage for workers with incomesup to 400 percent of poverty
a supplemental worksite wellness program, and asupplemental child wellness program.
The Virginia HealthySmall Business Initiative
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Five Major Implementation Challenges
Contracting delays
Loss of a major partner
Transition to a new Governor
Retooling in response to health care reform
Small business concerns & confusion about the
implications of health care reform
The Virginia HealthySmall Business Initiative
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Recent Focus & Accomplishments Orienting the new administration
Integrating SHAP Grant into Virginias Health Reform
Initiative
Retooling the health insurance product to comply &align with health care reform
Retooling the Centers outreach & education plan toinclude health care reform
Engaging key stakeholders as partners
Laying the groundwork for the local pilot in eastern
Virginia
The Virginia HealthySmall Business Initiative
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Getting it Done in 2010-2011 Can we go into one large community and:
Engage, educate, equip and incentivize small employersand employees to invest in health coverage and wellness; and
Create cost effective networks of care that rely onpartnerships with health plans and community providers;and
Apply principles of wellness, PCMH, and value-basedinsurance design; so that
The community has established capacity to support smallemployer health by 2014 and beyond.
The Virginia HealthySmall Business Initiative
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Getting it Done Key Partnerships
Business Groups Health Plans
Hospitals & Health Systems
Physicians
FQHCs
Free Clinics
Health Foundations
The Virginia HealthySmall Business Initiative
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Getting it Done Key Communication Themes:
Economic Development and Health Care Reform as twosides of one coin
Small Employer Workforce Health as an economicdevelopment strategy
Worksite Health as a business strategy with potential ROI
for small employers Knowing the Facts about Health Care Reform as a due
diligence priority for small employers
Community Partnership as a pathway to communitycapacity
The Virginia HealthySmall Business Initiative
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Getting it Done Immediate Next Steps
Contract for startup of the health insurance + wellness
product in the pilot region Community capacity building for wellness, prevention, and
primary care
Virtual startup of Virginia Center for Healthy SmallBusiness with aim of physical home by 2011
Website
List building
Use lessons learned along the way to inform VirginiasHealth Reform Initiative
The Virginia HealthySmall Business Initiative
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Communications network
Solidify key partnerships
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The Virginia HealthySmall Business Initiative
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State Opportunities to Engage
Employers in Health ReformImplementation
Presentation by Terry Gardiner
Small Business Majority
State Health Access Program Webinar
September 23, 2010
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About Small Business Majority
Nonprofit, nonpartisan organization founded and run by small
business owners and focused on solving the biggest problem facing
small businesses today: the skyrocketing cost of health coverage.
We speak for the nearly 28 million Americans who are self-
employed or own businesses of up to 100 employees. Our
organization sponsors scientific research that guides us to
understand and advocate on behalf of the interests of small
businesses across the country.
We are a foundation funded with major funders including the Public
Welfare Foundation, Nathan Cummings, California Endowment,
Ford Foundation, & the Robert Wood Johnson Foundation.
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Small Business Landscape
22 million self-employed entrepreneurs nationally
5.9 million employers with fewer than 100 employeesnationally have 43 million employees
o 80% have fewer than 10 employees
Most lack sophisticated HR departments
Small business groups are diverse
o Most commonly members of industry trade groups
o Ex. National Farmers Union, Realtors Association, Association of HomeBuilders, Plumbing-Heating-Cooling Contractors Association
o Also members of local Chamber of Commerce
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Still an Employer Based Health System
National health reformssuccess depends onemployer health
coverage
o Cost containment
o Delivery system reform
o Exchanges that work for
employers and consumers
CBO Health Reform CoverageProjections - 2018
(millions of non-elderly individuals)
Pre- ACA Post-ACA
# % # %
Employers 162 58% 159 56%
Medicaid &CHIP
35 12% 51 18%
Non-group 30 11% 15 9%
Exchanges - 0% 24 9%
Uninsured 53 19% 22 8%
http://www.cbo.gov/ftpdocs/113xx/doc11355/hr4872.pdf
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Exchanges Can Expand Employer Coverage
Rand simulation:
o Individual mandateincreases employeedemand
o Exchange benefits toemployers facilitatescoverage
o Largest increases for
small employers(50)http://healthpolicyandreform.nej
m.org//p=12339&query=home
http://healthpolicyandreform.nejm.org/?p=12339&query=homehttp://healthpolicyandreform.nejm.org/?p=12339&query=homehttp://healthpolicyandreform.nejm.org/?p=12339&query=homehttp://healthpolicyandreform.nejm.org/?p=12339&query=homehttp://healthpolicyandreform.nejm.org/?p=12339&query=homehttp://healthpolicyandreform.nejm.org/?p=12339&query=home -
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Barriers to Tax Credit Implementation
Lack of knowledge of how the taxcredit works
o Confusion over what is in the final law
o Distraction of the repeal campaign
o Disinformation campaign specific to taxcredit by opponents of reform
Double sliding scale provisions are
complex and confusingo Credit declines from $ 25,000 to $ 50,000
average wage and
o Credit declines from 10 employees to 25employees
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Small Business Tax Credits
Our report: More than 4 million businesses areeligible83.7% of all businesses;
1.2 million businesses eligible for the maximum credit
http://www.smallbusinessmajority.org/small-business-research/tax-credit-study.php
http://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.phphttp://www.smallbusinessmajority.org/small-business-research/tax-credit-study.php -
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What Small Employers Need to Know
Retroactive toJan. 1, 2010
Companies can
adjust quarterlyestimatedincome taxpayment
http://www.irs.gov/newsroom/article/0,,id=227404,00.html
http://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.htmlhttp://www.irs.gov/newsroom/article/0,,id=227404,00.html -
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What Small Employers Need to Know
Tax credit calculation is based on covering employeesand does not apply to coverage for owners and familymembers
Full tax credit for small lower wage employers
Non-profit employers qualify for taxcredit (25% refundable against payrolltaxes filed at year-end)
Owners (and relatives) and self-employed individuals are excludedfrom employer tax credit, but couldqualify for individual tax credit
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Case Study: Kansas City
Blue Cross Blue Shield of Kansas City actively andcreatively marketed the new small business tax credit
Health Care Reform May Have Just
Saved You 35% on Your Health Insurance
Resultso Over 5,000 enrollees from new small business customers with less than
50 employees in the last three months
o Approximately 82 percent increase in sales compared to 2009
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Tax Credit Resources
Frequently asked questions:o http://smallbusinessmajority.org/hc-reform-faq/index.php
Tax credit calculator
o http://smallbusinessmajority.org/tax-credit-calculator/
IRS guidance on tax credit & tax formo http://www.irs.gov/newsroom/article/0,,id=223666,00.html
o http://www.irs.gov/pub/irs-dft/f8941--dft.pdf
Number of qualifying companies by stateo http://smallbusinessmajority.org/_pdf/tax_credit/Helping_Small_Busines
ses.pdf
http://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/tax-credit-calculator/http://www.irs.gov/newsroom/article/0,,id=223666,00.htmlhttp://www.irs.gov/pub/irs-dft/f8941--dft.pdfhttp://smallbusinessmajority.org/_pdf/tax_credit/Helping_Small_Businesses.pdfhttp://smallbusinessmajority.org/_pdf/tax_credit/Helping_Small_Businesses.pdfhttp://smallbusinessmajority.org/_pdf/tax_credit/Helping_Small_Businesses.pdfhttp://smallbusinessmajority.org/_pdf/tax_credit/Helping_Small_Businesses.pdfhttp://www.irs.gov/pub/irs-dft/f8941--dft.pdfhttp://www.irs.gov/pub/irs-dft/f8941--dft.pdfhttp://www.irs.gov/pub/irs-dft/f8941--dft.pdfhttp://www.irs.gov/pub/irs-dft/f8941--dft.pdfhttp://www.irs.gov/pub/irs-dft/f8941--dft.pdfhttp://www.irs.gov/newsroom/article/0,,id=223666,00.htmlhttp://smallbusinessmajority.org/tax-credit-calculator/http://smallbusinessmajority.org/tax-credit-calculator/http://smallbusinessmajority.org/tax-credit-calculator/http://smallbusinessmajority.org/tax-credit-calculator/http://smallbusinessmajority.org/tax-credit-calculator/http://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.php -
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What Can States Do?
Use state government business channels (taxes, permitsetc) to communicate the tax credit info
Partner with a broad range of business and trade groups
Hold business conferences on multiple business issue access to credit; permitting; health care
Include non-profit employers in outreach and education
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Small Business Support for Exchange
Pre-ACA passage, 81% of small business ownersexpressed support for an exchange
Pooling makes sense to smallbusiness owners to achieve buying
power and competition
Support is linked to belief that the
exchange will provide access tomore affordable health insurance
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Small Businesses Lack Understanding
Lack of understanding how the exchange functions forthem
Understanding their three choices:
o Exchange market
o Outside Exchange market
o Grandfathered plans
o Available if employer offered coverage beforeACAs passage
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Small Businesses Lack Understanding
Confusion about mandates
o 50 employee dividing line
Free rider penalty
o Only applies to employers withmore than 50 employees and havean employee(s) receiving a subsidy
o 4% of employers with more than 50 employees do not offer coverage
o Problem: Employers with large numbers of low wage employeese.g.fast food franchises
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Barriers to Exchange Support
Will small business hear conflicting messages and besubject to anti-exchange marketing campaigns?
Insurers that decide not to market through the exchangewill promote insurance products outside the exchange
Brokers market many products to small
business, not just health insurance
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Small Business Needs
Provide affordable health plans
o Often named as the single most importantfactor preventing small businesses from
purchasing insuranceo Attract insurers to the exchange and create
incentives for price competition among insurers
o OPM is required to provide at least two multi-state plans
o Create incentives for participants to select lower-cost plans
o Federal Employees Health Benefits plan, CalPERS for state employees and WisconsinState Employees Health Plan have created consumer incentives
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Small Business Needs
Keep annual premiums stable
o Significant year to year volatility in premiums
o Insurance reforms combined with an effective exchange will dampenindividual premium volatility
o Avoid adverse selection
Offer choice of competitive and understandable plans
o Large number of participants will attract insurer competitiono Insurers need large group of enrollees to negotiate favorable discounts from
providers
o Capturing a large enough share of the market (some have estimated20%) will increase competition, choice and cost
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Small Business Needs
Provide minimal administrative burden
o Most small businesses rely on brokers for information
o Employees only have one plan choice; Employers make one premium
payment monthly
o Maintain low costs
o Ex. System for funding part time workers with partial contributions
o Effective outreach and education
o Transparent and easy to use website and tools
o Consolidated billing and payment systems
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Exchange - Challenges and Issues
Avoiding adverse selection is No. 1
o Historically caused downfall of past insurance pools
o Success models & lessons learned Connecticut, Massachusetts,
Wisconsin, FEHBP, CalPERS
One or two pools for individuals and small group?
Expanding the exchange beyond 100 employees in 2017
Governance & stakeholders such as small business Wellness programs that work for small business
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California Exchange Startup
Independent agency; One stop shopping for individualsand employers
Governance with expertise but strict conflict-of-interest
Expert staff to meet market needs of exchange function
Active Purchaser empowerment
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California Exchange Startup
Insurers required to offer all products outside/insideexchange to reduce adverse selection risks
Rating plan for qualified health plans
Robust education, outreach and stakeholder
requirements
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Exchange Timeline
Jon Kingsdale, former director of the Massachusetts Connector: http://www.rwjf.org/files/research/66489.pdf P. 16
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What Can States Do?
Pass enabling legislation in 2011
o Some decisions may require more study for final decision
Engage small business owners/groups in exchange
design process
Utilize HHS exchange grants to gather key marketinformation
Participate in models with other states for complexchallenges:
o Risk adjustment systems
o IT systems example administering employer/employee premiums &HR functions
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Effective Outreach
Direct contact only half of employers belong to anybusiness group
o IRS postcard succeeded in making small business aware of the tax
credit
Trusted voices of peers historical sources:
o brokers, business groups, business media
Navigators in ACA can work for
businesso Case Study: Massachusetts Fishing
Partnership Health Plan
Uninsured rate dropped from 43% to 13%
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Health Reform Info forSmall Businesses
Frequently asked questions:o http://smallbusinessmajority.org/hc-reform-faq/index.php
Small business healthcare reform summary:o http://smallbusinessmajority.org/_docs/resources/SBM_whats_in_it_for_small_biz.pdf
For more information:o (866) 597-7431 or [email protected]
http://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/_docs/resources/SBM_whats_in_it_for_small_biz.pdfmailto:[email protected]:[email protected]://smallbusinessmajority.org/_docs/resources/SBM_whats_in_it_for_small_biz.pdfhttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.phphttp://smallbusinessmajority.org/hc-reform-faq/index.php -
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Health Insurance Partnership
Engaging Small Employers
Beth Walter, Program Director
September 28, 2010
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History of HIP
Created by the state legislature in 2007 Provides increased access to health insurance
coverage for small employers and their employees
Provides a premium subsidy for low-incomeemployees and their dependents
Voluntary participation
Implementation was postponed in 2008 due tostates budget deficit
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HIP Basics
Funded by a five-year federal grant that runsthrough 2014
Authorized for $2 million in premium subsidiesthrough August 31, 2011
After first year, authorized for $9 million each
year in premium subsidies Began accepting employer applications on
September 1, 2010
Coverage will be available January 1, 2011
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Target Employer Group
Small employers are eligible to enroll in HIP if they:
have 1-50 employees
are not currently offering health insurance
coverage to their employees have at least 50% employees who are low-
wage
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Marketing Strategy
Soft launch due to limited
subsidy funds Risk of having to establish a
waiting list
Monitor enrollment and adjuststrategy if needed to increase
participation Developed materials to which
employers could relate and helpbuild a connection
Featured several industries toincorporate statewiderepresentation
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Video
A four-minute overview of the Health Insurance Partnership
Features small business owners who are eligible for HIPRecruitment was through a Call to Action to brokers tohelp identify employers
Owner testimony was not scripted
Posted on the HIP website and YouTube
DVD distributed to brokers to use as a marketing tool
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HIP Materials
Information for Brokers Step-by-Step Guide to HIP HIP Checklist for Brokers & Agents About HIP Fact Sheet HIP Q&A HIP Training Presentation
Information for Employers Find Your Path to Health Coverage. Sign Up for HIP.
brochure and folder Sign Up for HIPvideo on DVD
Postcard Poster
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HIP Materials
Other forms and documents: HIP Checklist for Employers HIP Employer Agreement form HIP Employee Subsidy Application form Section 125 Premium Only Plan Handbook Declaration of Non-Filing Status Electronic Funds Transfer Authorization form
All materials available at www.hip.hca.wa.gov
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Role of Brokers
Enroll employers HIP participating employers must use brokers to
enroll in health insurance coverage through theprogram
Help us spread the word about HIP
Broker engagement efforts included: Focus groups to identify tools and materials to help
them sell HIP Statewide broker training sessions
Periodic emails with program updates
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What Weve Done
Updated HIP website with a new look and feel,easy navigation
Attended broker association conferences andseminars WAHUs Day with the Mariners
Promoted HIP through an interview on a radiostation in Eastern Washington
Participated in a press event with a grassrootsadvocacy group
Visited small employers at their business andprovided enrollment materials
R
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Response
Website visits have more than doubled since thefirst date of enrollment (September 1, 2010)
Nearly 200 brokers have attended a HIP brokertraining session or conference booth
Media attention (radio, newspaper, tv) Steady flow of employer applications
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Next Steps
Continue to monitor employer enrollmentDetermine the names of the health insurance plansthat will be available through HIP
Conduct more broker training sessions due to
demand!
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HIP d N ti l H lth R f
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HIP and National Health Reform
Comparison of HIP and ACA Exchange
Aspect ACA Exchanges WA State HIP Exchange
Effective Date Jan 1, 2014 Jan 1, 2011
Eligible to Purchase inExchange
Individuals & Small BusinessEmployers
Small Business Employers (1-50)
Plans Qualified health plans Small Group Market
Subsidies & CreditsSubsidy for at or below 400%of FPL + Small Business tax
credit
Subsidy for at or below 200%of FPL + Small Business tax
credit
Subsidy Calculation
3 subsidy types: premium
sliding scale (% income) cost-sharing
Sliding scale premium, 4income bands, (60-90%)
Eligible Plans All except catastrophic HIP-selected Small Group
Individual ChoiceLimited by Employer initial
selectionYes, by Jan 1, 2013
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Thank you!
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HRSA State Health Access ProgramWebinar- State Opportunities to Engage Employers
Taking Care of Business: State Opportunities to EngageEmployers in Health Reform Implementation
Questions &
NASHP Resources
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HRSA State Health Access ProgramWebinar- State Opportunities to Engage Employers
Resources: www.statereforum.org
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HRSA State Health Access ProgramWebinar- State Opportunities to Engage Employers
Resources: www.shapaccess.org
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More info at: http://www.nashpconference.org/
Upcoming Events:
Thank Yo !
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Thank You!
Anne Gauthier Sonya Schwartz Kathy Witgert
Senior Fellow Program Director Program Manager
[email protected] [email protected] [email protected]
Chris Cantrell Christina MillerResearch Assistant Research Assistant
[email protected] [email protected]
Please feel free to contact us with any questions.
www.nashp.org
NASHPs SHAP Team
Our Speakers
Terry Gardiner Stephen Horan Beth Walter
National Policy Director President Program Director
Small Business Majority Community Health Solutions Health Insurance Partnership
mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]://www.nashp.org/http://www.nashp.org/mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]