9.28 shap webinar

8/8/2019 9.28 SHAP Webinar

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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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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

2


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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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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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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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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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Key National Health Reform

Provisions that Affect Employers

ExchangeIndividual Mandate

Free Rider Penalty

Insurance MarketReforms

EmployerMandate

EmployerTax Credit

IndividualTax Credit


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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.


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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


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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


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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.


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16


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Getting it Done Key Partnerships

Business Groups Health Plans

Hospitals & Health Systems

Physicians

FQHCs

Free Clinics

Health Foundations


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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


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18


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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


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Communications network

Solidify key partnerships

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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
http://www.cbo.gov/ftpdocs/113xx/doc11355/hr4872.pdfhttp://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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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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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
http://www.rwjf.org/files/research/66489.pdfhttp://www.rwjf.org/files/research/66489.pdf


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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
http://www.hip.hca.wa.gov/http://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

N S


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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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Resources: www.statereforum.org

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http://www.statereforum.org/http://www.statereforum.org/


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Resources: www.shapaccess.org

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http://www.statereforum.org/http://www.statereforum.org/


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More info at: http://www.nashpconference.org/

Upcoming Events:

Thank Yo !
http://www.nashpconference.org/http://www.nashpconference.org/


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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]

9.28 shap webinar

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