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• Insurance Commissioner has been part of the problem; mandated i and 3 groups; <br />denied increases in rates for companies. Ne -.t' Insurance Commissioner could help <br />chang.- the climate. • <br />County does not have large numbers to drag upon to attract a company. <br />• FL legislature mandated there could be no discrimination against individuals; <br />created less profn margin. <br />• May need help with state laws. are difficult and not <br />• Even business organization based health insurance programs <br />always affordable. <br />• Many people make S30,000 or more in salary but still can't afford health <br />insurance. <br />County government health insurance costs ar increasing <br />Loss of options. <br />Ratings raise rates for employers. <br />Some policies do not cover out of state. <br />Managed canvas explored her. <br />Reimbursement for care prodders has not increased as rates have increased. <br />Collections is a problem by the care providers. <br />MD's are also small businesses. <br />Perception of high, "fixed" rates in medical community. <br />Needs assessment: <br />• Affordable costs for people in the CounTY. <br />• Do not need more care providers such as doctors or hospitals. <br />• Need mon health insurance product options. <br />• Good plan with good administrator. <br />• Provide- quality, accessible, cost effective health insurance program for all size <br />employers. <br />�leaningfu: health insurance alternatives. <br />A%-oid "fast food" medicine. <br />Need to bring everyone togthe^ to get the best rating <br />.e <br />from everyone in conununity to "oet in and stay ui ' a group. <br />Emp!ovm herd to be part of solution - educate employees. <br />Quality insurance will help attract quality employers and employees. <br />Definitions Needed For• <br />. ordability <br />Minimum Coverage <br />Provider <br />Group <br />31 Pam Administrator <br />Equitable Reinrintrsement <br />IPA <br />HNIO <br />PPO <br />Questions: <br />Is then an average industry cost for health insurance for a) a person; b) a family: c) <br />couple? <br />What' o -age of people are not aware of any health insurance crisis for their <br />business? <br />What is going on in other communities? <br />I. • V6'hat are rates cf self-insured in other communities? <br />FEBRUARY 8, 2000 <br />-48- <br />0 0 <br />