US Health Care Reform

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US Health Care Reform

• Don Hamm
• President and CEO

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U.S. Health Care Reform
All Americans must have access to high
quality, affordable health care

• How did we get here?
• Where is it going?
• What does it mean for Assurant Health?

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How did we get here?

• U.S. Health Expenditures per Capita and Share of
  GDP

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How did we get here?

• Health Expenditures as a of GDPU.S. vs. Other
  Developed Nations

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How did we get here?
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How did we get here?

• 46 million uninsured Americans
• Fear employers, employees, baby boomers
• Media attention written, TV, Internet

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Where is it going?

• Political process
• Health care financing and delivery
• Cost drivers
• Unnecessary care
• Lack of IT connectivity
• Tort reform
• Technology
• Aging
• Wellness
• Societal expectations

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Where is it going?

• AHIP position for the Individual Medical business
• First do no harm
• Universal coverage
• Enforceable mandate
• Risk spreading
• Subsidies
• Tax equity

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Where is it going?

• Public/private partnership
• New President and Congress
• Move to center
• Legislative priorities Economy, middle-class tax
  cut, Medicare Advantage

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What does it mean for Assurant Health?

• We have the right strategic direction
• WCRM and WRCM
• Demystification efforts improve the way people
  access health care
• Innovation
• Agents threatened by purchasing exchanges

• MSA
• HSA
• Right Start

• Patient Care
• TelaDoc
• One Decreasing Deductible

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In Summary

• Influence and prepare.
• Helping Americans gain access to high quality,
  affordable health care is at the heart of our
  Vision.