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tts:origin="10% 84.66%" tts:extent="5% 5.33%" end="00:00:00:21" begin="00:00:00:00" style="basic" region="rollup2">cc</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:01:26" begin="00:00:00:21" style="basic" region="rollup2">>> My name is Martin Rudd, and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:00:03:27" begin="00:00:01:26" style="basic" region="rollup2">I serve as the campus executive</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:00:05:14" begin="00:00:03:27" style="basic" region="rollup2">officer and dean</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:00:07:25" begin="00:00:05:14" style="basic" region="rollup2">and professor of chemistry.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:09:04" begin="00:00:07:25" style="basic" region="rollup2">Our conference is taking place</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:00:10:03" begin="00:00:09:04" style="basic" region="rollup2">in the Communication Arts</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:12:07" begin="00:00:10:03" style="basic" region="rollup2">Center, completed in 2008, and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:14:02" begin="00:00:12:07" style="basic" region="rollup2">the first academic building in</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:00:16:05" begin="00:00:14:02" style="basic" region="rollup2">the UW System that's recognized</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:18:10" begin="00:00:16:05" style="basic" region="rollup2">as LEED gold certified for its</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:00:20:03" begin="00:00:18:10" style="basic" region="rollup2">use of sustainable materials in</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:00:21:16" begin="00:00:20:03" style="basic" region="rollup2">its construction and energy</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:00:24:09" begin="00:00:21:16" style="basic" region="rollup2">saving features.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:00:25:24" begin="00:00:24:09" style="basic" region="rollup2">Central to our mission is to</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:00:27:05" begin="00:00:25:24" style="basic" region="rollup2">bring resources of the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:00:28:27" begin="00:00:27:05" style="basic" region="rollup2">university to the people of the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:31:09" begin="00:00:28:27" style="basic" region="rollup2">state and the communities that</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:00:33:22" begin="00:00:31:09" style="basic" region="rollup2">support its campuses.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:00:35:26" begin="00:00:33:22" style="basic" region="rollup2">This type of engaged learning</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:37:13" begin="00:00:35:26" style="basic" region="rollup2">conference is exactly the type</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:00:39:05" begin="00:00:37:13" style="basic" region="rollup2">of facilitation that we can</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:00:41:06" begin="00:00:39:05" style="basic" region="rollup2">provide for our citizens.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:00:43:09" begin="00:00:41:06" style="basic" region="rollup2">Support to maintain and improve</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:00:45:10" begin="00:00:43:09" style="basic" region="rollup2">facilities on the UW Fox campus</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:00:46:22" begin="00:00:45:10" style="basic" region="rollup2">is provided by a unique</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:48:12" begin="00:00:46:22" style="basic" region="rollup2">partnership with Outagamie and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:00:50:07" begin="00:00:48:12" style="basic" region="rollup2">Winnebago Counties, and that</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:00:51:24" begin="00:00:50:07" style="basic" region="rollup2">included contributions of more</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:00:53:10" begin="00:00:51:24" style="basic" region="rollup2">than $10 million to build the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:00:54:22" begin="00:00:53:10" style="basic" region="rollup2">Communication Arts Center in</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:00:57:04" begin="00:00:54:22" style="basic" region="rollup2">2008.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:00:59:04" begin="00:00:57:04" style="basic" region="rollup2">For that ongoing support to keep</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:01:00:24" begin="00:00:59:04" style="basic" region="rollup2">and to grow UW Fox as a vibrant</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:01:02:21" begin="00:01:00:24" style="basic" region="rollup2">university in the community,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:01:04:14" begin="00:01:02:21" style="basic" region="rollup2">we remain very thankful to our</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:01:06:23" begin="00:01:04:14" style="basic" region="rollup2">county partners.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:01:08:14" begin="00:01:06:23" style="basic" region="rollup2">It is my pleasure tonight</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:01:09:16" begin="00:01:08:14" style="basic" region="rollup2">to introduce our conference</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:01:11:27" begin="00:01:09:16" style="basic" region="rollup2">organizer, Dr. Corina Norrbom.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:01:13:06" begin="00:01:11:27" style="basic" region="rollup2">You need to know three things</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:01:14:26" begin="00:01:13:06" style="basic" region="rollup2">about her.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:01:16:12" begin="00:01:14:26" style="basic" region="rollup2">First, she is a practicing</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:01:17:18" begin="00:01:16:12" style="basic" region="rollup2">physician at the Aspirus</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:01:20:17" begin="00:01:17:18" style="basic" region="rollup2">Walk-In Clinic in Wausau.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:01:22:09" begin="00:01:20:17" style="basic" region="rollup2">Before that, she spent 12 years</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:01:24:26" begin="00:01:22:09" style="basic" region="rollup2">as a family physician in Antigo.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:01:26:06" begin="00:01:24:26" style="basic" region="rollup2">Secondly, she is serving as the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:01:27:27" begin="00:01:26:06" style="basic" region="rollup2">inaugural community fellow at</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:01:29:10" begin="00:01:27:27" style="basic" region="rollup2">the Wisconsin Institute for</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:01:31:08" begin="00:01:29:10" style="basic" region="rollup2">Public Policy and Service, also</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:01:33:11" begin="00:01:31:08" style="basic" region="rollup2">known as WIPPS.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:01:35:07" begin="00:01:33:11" style="basic" region="rollup2">Thirdly, she's exhibited an</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:01:36:18" begin="00:01:35:07" style="basic" region="rollup2">unstoppable drive to help</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:01:38:00" begin="00:01:36:18" style="basic" region="rollup2">educate the citizens of</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:01:39:21" begin="00:01:38:00" style="basic" region="rollup2">Wisconsin about the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:01:41:08" begin="00:01:39:21" style="basic" region="rollup2">opportunities and challenges of</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:01:43:22" begin="00:01:41:08" style="basic" region="rollup2">the Affordable Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:01:45:14" begin="00:01:43:22" style="basic" region="rollup2">Since June, she has crisscrossed</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:01:47:14" begin="00:01:45:14" style="basic" region="rollup2">the state finding sponsors and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:01:49:03" begin="00:01:47:14" style="basic" region="rollup2">lining up an incredible slate of</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:01:50:23" begin="00:01:49:03" style="basic" region="rollup2">speakers, both for tonight's</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:01:52:07" begin="00:01:50:23" style="basic" region="rollup2">public event and tomorrow's</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:01:54:13" begin="00:01:52:07" style="basic" region="rollup2">professional conference.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:01:56:01" begin="00:01:54:13" style="basic" region="rollup2">I have been in awe at her</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:01:57:09" begin="00:01:56:01" style="basic" region="rollup2">ability to connect pieces of the</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:01:58:18" begin="00:01:57:09" style="basic" region="rollup2">rapidly changing world of</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:02:00:06" begin="00:01:58:18" style="basic" region="rollup2">healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:02:01:23" begin="00:02:00:06" style="basic" region="rollup2">Please join me in welcoming and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:02:03:09" begin="00:02:01:23" style="basic" region="rollup2">thanking Dr. Norrbom for her</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:02:04:12" begin="00:02:03:09" style="basic" region="rollup2">role in putting this event</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:02:06:09" begin="00:02:04:12" style="basic" region="rollup2">together.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:02:09:03" begin="00:02:06:09" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:02:15:15" begin="00:02:13:16" style="basic" region="rollup2">>> Good evening.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:02:17:22" begin="00:02:15:15" style="basic" region="rollup2">Thank you, Dean Rudd.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:02:19:08" begin="00:02:17:22" style="basic" region="rollup2">On behalf of the Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:02:20:24" begin="00:02:19:08" style="basic" region="rollup2">Institute for Public Policy and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:02:22:07" begin="00:02:20:24" style="basic" region="rollup2">Service, let me again welcome</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:02:24:28" begin="00:02:22:07" style="basic" region="rollup2">you.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:02:26:18" begin="00:02:24:28" style="basic" region="rollup2">This evening's session,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:02:28:13" begin="00:02:26:18" style="basic" region="rollup2">"Putting Politics Aside:</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:02:31:00" begin="00:02:28:13" style="basic" region="rollup2">The Realities of Obamacare,"</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:02:32:13" begin="00:02:31:00" style="basic" region="rollup2">is the opening of our</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:02:34:13" begin="00:02:32:13" style="basic" region="rollup2">two-day conference related to</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:02:35:17" begin="00:02:34:13" style="basic" region="rollup2">the Health Insurance</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:02:37:21" begin="00:02:35:17" style="basic" region="rollup2">Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:02:40:14" begin="00:02:37:21" style="basic" region="rollup2">I have a couple of thank yous.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:02:42:22" begin="00:02:40:14" style="basic" region="rollup2">First of all, we're grateful to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:02:45:01" begin="00:02:42:22" style="basic" region="rollup2">all of our generous sponsors.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:02:47:06" begin="00:02:45:01" style="basic" region="rollup2">And I would especially like to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:02:48:25" begin="00:02:47:06" style="basic" region="rollup2">thank our major sponsors:</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:02:51:02" begin="00:02:48:25" style="basic" region="rollup2">Affinity Health, ThedaCare,</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:02:53:06" begin="00:02:51:02" style="basic" region="rollup2">and Bellin Health.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:02:55:18" begin="00:02:53:06" style="basic" region="rollup2">Thanks, too, to our planning</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:02:57:18" begin="00:02:55:18" style="basic" region="rollup2">committee.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:02:58:28" begin="00:02:57:18" style="basic" region="rollup2">If anybody from the planning</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:03:00:02" begin="00:02:58:28" style="basic" region="rollup2">committee is here, if you could</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:03:01:06" begin="00:03:00:02" style="basic" region="rollup2">stand up so that we could</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:03:04:06" begin="00:03:01:06" style="basic" region="rollup2">acknowledge you.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:03:09:10" begin="00:03:05:20" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:03:13:05" begin="00:03:11:17" style="basic" region="rollup2">And several of them are</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:03:15:25" begin="00:03:13:05" style="basic" region="rollup2">backstage, too.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:03:17:17" begin="00:03:15:25" style="basic" region="rollup2">I'd also like to thank the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:03:20:09" begin="00:03:17:17" style="basic" region="rollup2">UW Fox Valley facility staff,</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:03:22:20" begin="00:03:20:09" style="basic" region="rollup2">especially Megan Mudge.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:03:25:10" begin="00:03:22:20" style="basic" region="rollup2">And also, thank you to the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:03:26:28" begin="00:03:25:10" style="basic" region="rollup2">student ambassadors who</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:03:30:12" begin="00:03:26:28" style="basic" region="rollup2">volunteered their time tonight.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:03:32:09" begin="00:03:30:12" style="basic" region="rollup2">I'd also like to thank the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:03:33:28" begin="00:03:32:09" style="basic" region="rollup2">speakers, the panelists, and the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:03:36:13" begin="00:03:33:28" style="basic" region="rollup2">moderator for this evening.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:03:38:05" begin="00:03:36:13" style="basic" region="rollup2">And finally, we'd like to thank</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:03:40:22" begin="00:03:38:05" style="basic" region="rollup2">Wisconsin Public Television for</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:03:42:11" begin="00:03:40:22" style="basic" region="rollup2">recording and live streaming</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:03:44:27" begin="00:03:42:11" style="basic" region="rollup2">this evening's program.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:03:46:28" begin="00:03:44:27" style="basic" region="rollup2">And also a big thank you to them</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:03:48:14" begin="00:03:46:28" style="basic" region="rollup2">for the video clips that we're</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:03:49:28" begin="00:03:48:14" style="basic" region="rollup2">going to be using as part of our</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:03:52:14" begin="00:03:49:28" style="basic" region="rollup2">discussions.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:03:53:27" begin="00:03:52:14" style="basic" region="rollup2">So I do have a couple of ground</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:03:55:25" begin="00:03:53:27" style="basic" region="rollup2">rules too.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:03:57:26" begin="00:03:55:25" style="basic" region="rollup2">One, silence your cell phones</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:04:00:11" begin="00:03:57:26" style="basic" region="rollup2">and electronic devices.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:02:13" begin="00:04:00:11" style="basic" region="rollup2">We'd also like for you to keep</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:04:04:13" begin="00:04:02:13" style="basic" region="rollup2">your questions limited and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:06:22" begin="00:04:04:13" style="basic" region="rollup2">focused so that as many people</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:09:04" begin="00:04:06:22" style="basic" region="rollup2">as possible can ask questions.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:04:11:06" begin="00:04:09:04" style="basic" region="rollup2">As as far as with questions,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:04:12:18" begin="00:04:11:06" style="basic" region="rollup2">there are microphones on either</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:04:14:08" begin="00:04:12:18" style="basic" region="rollup2">side of the theater.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:04:15:27" begin="00:04:14:08" style="basic" region="rollup2">So if you have a question,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:04:17:11" begin="00:04:15:27" style="basic" region="rollup2">you're welcome to go to the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:04:19:00" begin="00:04:17:11" style="basic" region="rollup2">microphone at the appropriate</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:04:20:16" begin="00:04:19:00" style="basic" region="rollup2">time.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:22:09" begin="00:04:20:16" style="basic" region="rollup2">And above all, we ask that you</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:23:29" begin="00:04:22:09" style="basic" region="rollup2">be courteous and respectful of</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:04:26:01" begin="00:04:23:29" style="basic" region="rollup2">each other and the speakers</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:04:28:00" begin="00:04:26:01" style="basic" region="rollup2">because, after all, this is a</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:04:29:24" begin="00:04:28:00" style="basic" region="rollup2">public forum that's dedicated to</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:04:32:23" begin="00:04:29:24" style="basic" region="rollup2">civil dialog.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:04:36:11" begin="00:04:32:23" style="basic" region="rollup2">I have a quick reminder.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:04:37:20" begin="00:04:36:11" style="basic" region="rollup2">Oops, was I advancing somebody's</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:04:41:13" begin="00:04:37:20" style="basic" region="rollup2">slides?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:43:01" begin="00:04:41:13" style="basic" region="rollup2">Registration is still open for</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:04:45:02" begin="00:04:43:01" style="basic" region="rollup2">our professional conference</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:04:47:02" begin="00:04:45:02" style="basic" region="rollup2">tomorrow.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:04:50:16" begin="00:04:47:02" style="basic" region="rollup2">I'd invite you to please visit</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:04:52:11" begin="00:04:50:16" style="basic" region="rollup2">our table outside the theater if</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:04:54:00" begin="00:04:52:11" style="basic" region="rollup2">you're interested,</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:04:56:06" begin="00:04:54:00" style="basic" region="rollup2">or go to WIPPS.org.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:05:02:02" begin="00:04:56:06" style="basic" region="rollup2">That's W-I-P-P-S.org.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:05:06:24" begin="00:05:02:02" style="basic" region="rollup2">So, why are we here?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:05:08:19" begin="00:05:06:24" style="basic" region="rollup2">We may have different reasons</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:05:10:26" begin="00:05:08:19" style="basic" region="rollup2">for being here.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:05:11:25" begin="00:05:10:26" style="basic" region="rollup2">I'm here because I'm a</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:05:14:26" begin="00:05:11:25" style="basic" region="rollup2">physician, and every day that I</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:05:17:09" begin="00:05:14:26" style="basic" region="rollup2">see patients I encounter people</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:05:19:18" begin="00:05:17:09" style="basic" region="rollup2">who are suffering because they</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:05:21:28" begin="00:05:19:18" style="basic" region="rollup2">don't have health insurance.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:05:24:16" begin="00:05:21:28" style="basic" region="rollup2">I'm also here because I want to</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:05:27:27" begin="00:05:24:16" style="basic" region="rollup2">be informed.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:05:29:26" begin="00:05:27:27" style="basic" region="rollup2">The Health Insurance Marketplace</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:05:31:28" begin="00:05:29:26" style="basic" region="rollup2">and the individual mandate for</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:05:34:22" begin="00:05:31:28" style="basic" region="rollup2">insurance are at the heart of</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:05:37:09" begin="00:05:34:22" style="basic" region="rollup2">the Affordable Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:05:38:28" begin="00:05:37:09" style="basic" region="rollup2">And we also want you to be</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:05:40:27" begin="00:05:38:28" style="basic" region="rollup2">informed.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:05:42:29" begin="00:05:40:27" style="basic" region="rollup2">So that's why I'm here.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:05:45:18" begin="00:05:42:29" style="basic" region="rollup2">And why are you?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:05:47:14" begin="00:05:45:18" style="basic" region="rollup2">Are you a young person coming</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:05:49:25" begin="00:05:47:14" style="basic" region="rollup2">off of your parent's insurance?</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:05:51:18" begin="00:05:49:25" style="basic" region="rollup2">Just trying to figure out</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:05:53:05" begin="00:05:51:18" style="basic" region="rollup2">whether or not you should</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:05:55:07" begin="00:05:53:05" style="basic" region="rollup2">purchase insurance?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:05:56:29" begin="00:05:55:07" style="basic" region="rollup2">Did you receive a letter from</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:05:58:22" begin="00:05:56:29" style="basic" region="rollup2">HIRSP or BadgerCare saying that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:06:00:13" begin="00:05:58:22" style="basic" region="rollup2">you now have to transition into</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:06:02:23" begin="00:06:00:13" style="basic" region="rollup2">the Marketplace?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:06:04:14" begin="00:06:02:23" style="basic" region="rollup2">Maybe you're a small business</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:06:06:09" begin="00:06:04:14" style="basic" region="rollup2">owner and you're trying to wade</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:06:08:21" begin="00:06:06:09" style="basic" region="rollup2">through all of the material,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:06:10:11" begin="00:06:08:21" style="basic" region="rollup2">trying to decide what's best for</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:06:13:18" begin="00:06:10:11" style="basic" region="rollup2">your business, you employees.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:06:15:21" begin="00:06:13:18" style="basic" region="rollup2">Are you a union worker who's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:06:18:08" begin="00:06:15:21" style="basic" region="rollup2">concerned about the health plan</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:06:21:28" begin="00:06:18:08" style="basic" region="rollup2">that you bargained for?</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:06:23:12" begin="00:06:21:28" style="basic" region="rollup2">You may be a large employer</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:06:25:11" begin="00:06:23:12" style="basic" region="rollup2">trying to think about the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:06:27:06" begin="00:06:25:11" style="basic" region="rollup2">changes that are going to be</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:06:29:27" begin="00:06:27:06" style="basic" region="rollup2">happening in 2015.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:06:31:26" begin="00:06:29:27" style="basic" region="rollup2">Or perhaps you're someone who's</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:06:34:03" begin="00:06:31:26" style="basic" region="rollup2">uninsurable or can't afford</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:06:37:08" begin="00:06:34:03" style="basic" region="rollup2">healthcare, and you're just</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:06:39:11" begin="00:06:37:08" style="basic" region="rollup2">hoping that affordable coverage</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:06:43:24" begin="00:06:39:11" style="basic" region="rollup2">will be available to you now.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:06:45:20" begin="00:06:43:24" style="basic" region="rollup2">Even if you're not one of those</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:06:47:17" begin="00:06:45:20" style="basic" region="rollup2">people, you certainly know</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:06:52:03" begin="00:06:47:17" style="basic" region="rollup2">someone who is.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:06:54:10" begin="00:06:52:03" style="basic" region="rollup2">The Affordable Care Act may seem</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:06:56:22" begin="00:06:54:10" style="basic" region="rollup2">overly complex, and it's</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:07:00:11" begin="00:06:56:22" style="basic" region="rollup2">certainly politically charged,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:07:02:21" begin="00:07:00:11" style="basic" region="rollup2">but tonight let's focus on</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:07:05:11" begin="00:07:02:21" style="basic" region="rollup2">putting politics aside and talk</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:07:07:24" begin="00:07:05:11" style="basic" region="rollup2">about the realities of the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:07:10:06" begin="00:07:07:24" style="basic" region="rollup2">Affordable Care Act,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:07:12:07" begin="00:07:10:06" style="basic" region="rollup2">particularly how it relates to</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:07:16:00" begin="00:07:12:07" style="basic" region="rollup2">us here in Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:07:17:23" begin="00:07:16:00" style="basic" region="rollup2">So it's now my pleasure to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:07:21:21" begin="00:07:17:23" style="basic" region="rollup2">introduce our next speaker,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:07:23:13" begin="00:07:21:21" style="basic" region="rollup2">Outagamie County Executive</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:07:25:23" begin="00:07:23:13" style="basic" region="rollup2">Thomas Nelson.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:07:28:10" begin="00:07:25:23" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:07:35:22" begin="00:07:34:07" style="basic" region="rollup2">>> Welcome.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:07:37:05" begin="00:07:35:22" style="basic" region="rollup2">Since the creation of Medicare</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:07:39:22" begin="00:07:37:05" style="basic" region="rollup2">in 1966 no federal healthcare</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:07:43:00" begin="00:07:39:22" style="basic" region="rollup2">legislation has attracted as</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:07:45:05" begin="00:07:43:00" style="basic" region="rollup2">much scrutiny and generated as</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:07:47:06" begin="00:07:45:05" style="basic" region="rollup2">much publicity as the Patient</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:07:49:11" begin="00:07:47:06" style="basic" region="rollup2">Protection and Affordable Care</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:07:52:13" begin="00:07:49:11" style="basic" region="rollup2">Act, commonly called Obamacare.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:07:54:12" begin="00:07:52:13" style="basic" region="rollup2">And, for as much attention as</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:07:56:14" begin="00:07:54:12" style="basic" region="rollup2">this new law as earned, there</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:07:58:11" begin="00:07:56:14" style="basic" region="rollup2">has been an equal measure of</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:08:00:04" begin="00:07:58:11" style="basic" region="rollup2">misinformation and confusion</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:08:02:02" begin="00:08:00:04" style="basic" region="rollup2">surrounding it.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:08:03:25" begin="00:08:02:02" style="basic" region="rollup2">In some ways that's</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:08:05:08" begin="00:08:03:25" style="basic" region="rollup2">understandable given its</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:08:07:14" begin="00:08:05:08" style="basic" region="rollup2">complexity.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:08:09:06" begin="00:08:07:14" style="basic" region="rollup2">Under its provisions, healthcare</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:08:11:25" begin="00:08:09:06" style="basic" region="rollup2">providers, private insurers, and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:08:13:26" begin="00:08:11:25" style="basic" region="rollup2">government programs intersect at</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:08:15:13" begin="00:08:13:26" style="basic" region="rollup2">different points and serve</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:08:18:00" begin="00:08:15:13" style="basic" region="rollup2">different populations.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:08:19:27" begin="00:08:18:00" style="basic" region="rollup2">Moreover, healthcare is a deeply</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:08:22:10" begin="00:08:19:27" style="basic" region="rollup2">personal issue.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:08:24:04" begin="00:08:22:10" style="basic" region="rollup2">Many of us have strong feelings</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:08:26:00" begin="00:08:24:04" style="basic" region="rollup2">about it, and sometimes emotions</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:08:27:24" begin="00:08:26:00" style="basic" region="rollup2">can be a barrier to effective</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:08:29:27" begin="00:08:27:24" style="basic" region="rollup2">communication.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:08:31:17" begin="00:08:29:27" style="basic" region="rollup2">Clarification is the purpose of</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:08:33:18" begin="00:08:31:17" style="basic" region="rollup2">today's gathering.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:08:35:14" begin="00:08:33:18" style="basic" region="rollup2">Organizers deserve ample credit</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:08:37:07" begin="00:08:35:14" style="basic" region="rollup2">for this and for their</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:08:39:17" begin="00:08:37:07" style="basic" region="rollup2">dedication to the civic good.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:08:41:04" begin="00:08:39:17" style="basic" region="rollup2">Thanks to the Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:08:43:03" begin="00:08:41:04" style="basic" region="rollup2">Institute for Public Policy and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:08:44:27" begin="00:08:43:03" style="basic" region="rollup2">Service for coordinating this</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:08:46:19" begin="00:08:44:27" style="basic" region="rollup2">event, and thanks to all the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:08:48:09" begin="00:08:46:19" style="basic" region="rollup2">sponsors, contributors,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:08:50:24" begin="00:08:48:09" style="basic" region="rollup2">speakers, volunteers, and media</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:08:52:26" begin="00:08:50:24" style="basic" region="rollup2">partners for your participation</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:08:55:06" begin="00:08:52:26" style="basic" region="rollup2">and for your contribution to the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:08:57:11" begin="00:08:55:06" style="basic" region="rollup2">common good.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:08:59:15" begin="00:08:57:11" style="basic" region="rollup2">The Affordable Care Act is the</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:09:01:28" begin="00:08:59:15" style="basic" region="rollup2">law of the land.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:09:03:28" begin="00:09:01:28" style="basic" region="rollup2">Implementation is underway, and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:09:05:21" begin="00:09:03:28" style="basic" region="rollup2">this forum represents a step</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:09:07:17" begin="00:09:05:21" style="basic" region="rollup2">toward more fully understanding</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:09:10:19" begin="00:09:07:17" style="basic" region="rollup2">what that means to all of us.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:09:12:16" begin="00:09:10:19" style="basic" region="rollup2">To the extent that this exercise</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:09:14:01" begin="00:09:12:16" style="basic" region="rollup2">will answer questions and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:09:15:25" begin="00:09:14:01" style="basic" region="rollup2">elevate public awareness, I</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:09:17:22" begin="00:09:15:25" style="basic" region="rollup2">thank everyone in attendance for</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:09:20:16" begin="00:09:17:22" style="basic" region="rollup2">working to foster progress.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:09:22:12" begin="00:09:20:16" style="basic" region="rollup2">You may wonder why a local</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:09:24:22" begin="00:09:22:12" style="basic" region="rollup2">county executive, like me, is</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:09:26:16" begin="00:09:24:22" style="basic" region="rollup2">addressing a conference</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:09:28:04" begin="00:09:26:16" style="basic" region="rollup2">pertaining to federal</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:09:29:21" begin="00:09:28:04" style="basic" region="rollup2">legislation.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:09:31:12" begin="00:09:29:21" style="basic" region="rollup2">The answer is simple: service is</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:09:33:02" begin="00:09:31:12" style="basic" region="rollup2">our business.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:09:35:08" begin="00:09:33:02" style="basic" region="rollup2">It's worth noting that Health</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:09:37:13" begin="00:09:35:08" style="basic" region="rollup2">and Human Services comprise the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:09:39:07" begin="00:09:37:13" style="basic" region="rollup2">largest segment of the Outagamie</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:09:40:23" begin="00:09:39:07" style="basic" region="rollup2">County budget levy, that is</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:09:42:25" begin="00:09:40:23" style="basic" region="rollup2">roughly one-third.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:09:44:27" begin="00:09:42:25" style="basic" region="rollup2">Every day our staff engage the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:09:47:03" begin="00:09:44:27" style="basic" region="rollup2">leading edge of social services.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:09:48:22" begin="00:09:47:03" style="basic" region="rollup2">Whether you're talking about</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:09:51:23" begin="00:09:48:22" style="basic" region="rollup2">BadgerCare, WIC, FoodShare,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:09:53:17" begin="00:09:51:23" style="basic" region="rollup2">public health, mental health, or</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:09:55:26" begin="00:09:53:17" style="basic" region="rollup2">family care, public</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:09:57:19" begin="00:09:55:26" style="basic" region="rollup2">administration happens right</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:09:59:28" begin="00:09:57:19" style="basic" region="rollup2">here at the county level.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:10:01:27" begin="00:09:59:28" style="basic" region="rollup2">To that end, in anticipation of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:10:04:08" begin="00:10:01:27" style="basic" region="rollup2">the roughly 9,000 individuals in</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:10:05:29" begin="00:10:04:08" style="basic" region="rollup2">our county who will be</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:10:07:17" begin="00:10:05:29" style="basic" region="rollup2">transitioning from BadgerCare to</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:10:09:12" begin="00:10:07:17" style="basic" region="rollup2">the Marketplace, Outagamie</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:10:11:16" begin="00:10:09:12" style="basic" region="rollup2">County has dedicated four staff,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:13:19" begin="00:10:11:16" style="basic" region="rollup2">established an equal number of</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:15:26" begin="00:10:13:19" style="basic" region="rollup2">consumer kiosks, and allocated</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:10:17:17" begin="00:10:15:26" style="basic" region="rollup2">more than half a million dollars</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:19:29" begin="00:10:17:17" style="basic" region="rollup2">to facilitate that transition.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:21:29" begin="00:10:19:29" style="basic" region="rollup2">On behalf of our constituents,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:23:24" begin="00:10:21:29" style="basic" region="rollup2">we are invested in the success</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:10:25:26" begin="00:10:23:24" style="basic" region="rollup2">of this landmark law.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:10:27:22" begin="00:10:25:26" style="basic" region="rollup2">As a success will in no small</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:10:29:12" begin="00:10:27:22" style="basic" region="rollup2">way depend on the public's</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:10:31:11" begin="00:10:29:12" style="basic" region="rollup2">enhanced understanding of it,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:33:01" begin="00:10:31:11" style="basic" region="rollup2">let us do our part here to add</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:10:35:08" begin="00:10:33:01" style="basic" region="rollup2">to that understanding.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:10:36:29" begin="00:10:35:08" style="basic" region="rollup2">Welcome and thank you for</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:10:38:28" begin="00:10:36:29" style="basic" region="rollup2">attending.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:10:40:18" begin="00:10:38:28" style="basic" region="rollup2">And now, please allow me to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:10:42:25" begin="00:10:40:18" style="basic" region="rollup2">introduce this evening's keynote</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:10:45:01" begin="00:10:42:25" style="basic" region="rollup2">speaker.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:10:47:02" begin="00:10:45:01" style="basic" region="rollup2">Donovan Slack</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:10:48:29" begin="00:10:47:02" style="basic" region="rollup2">is a Washington correspondent</p> -<p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:10:50:06" begin="00:10:48:29" style="basic" region="rollup2"> for <span tts:fontStyle="italic">USA Today Gannett.</span> </p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:10:51:15" begin="00:10:50:06" style="basic" region="rollup2">She has been closely covering</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:52:21" begin="00:10:51:15" style="basic" region="rollup2">the roll-out of the Affordable</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:10:54:10" begin="00:10:52:21" style="basic" region="rollup2">Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:10:55:16" begin="00:10:54:10" style="basic" region="rollup2">Before joining the staff at</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:10:56:26" begin="00:10:55:16" style="basic" region="rollup2">Gannett, she worked as a White</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:10:59:17" begin="00:10:56:26" style="basic" region="rollup2">House reporter for Politico.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:11:01:13" begin="00:10:59:17" style="basic" region="rollup2">Her resume also includes a</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:11:02:23" begin="00:11:01:13" style="basic" region="rollup2">nine-year stint with the</p> -<p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:11:04:12" begin="00:11:02:23" style="basic" region="rollup2"> <span tts:fontStyle="italic">Boston Globe</span> <span> where she earned</span> </p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:11:06:00" begin="00:11:04:12" style="basic" region="rollup2">national recognition for her</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:11:07:09" begin="00:11:06:00" style="basic" region="rollup2">coverage of children and family</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:11:09:15" begin="00:11:07:09" style="basic" region="rollup2">issues.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:11:11:17" begin="00:11:09:15" style="basic" region="rollup2">Please welcome Donovan Slack.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:11:14:14" begin="00:11:11:17" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:11:21:22" begin="00:11:20:22" style="basic" region="rollup2">>> We're going to have a couple</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:11:23:09" begin="00:11:21:22" style="basic" region="rollup2">folks, I think, come up.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:11:25:29" begin="00:11:23:09" style="basic" region="rollup2">This is our panel.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:11:31:15" begin="00:11:29:15" style="basic" region="rollup2">Greetings from Washington.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:11:33:04" begin="00:11:31:15" style="basic" region="rollup2">[laughs]</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:11:34:08" begin="00:11:33:04" style="basic" region="rollup2">I've got to tell you, I flew in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:11:35:10" begin="00:11:34:08" style="basic" region="rollup2">today and it was good to get out</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:11:36:19" begin="00:11:35:10" style="basic" region="rollup2">of that city for a little bit.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:11:38:11" begin="00:11:36:19" style="basic" region="rollup2">I'll tell ya.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:11:39:27" begin="00:11:38:11" style="basic" region="rollup2">And one of the main reasons,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:11:41:01" begin="00:11:39:27" style="basic" region="rollup2">I can tell you, is because of</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:11:43:05" begin="00:11:41:01" style="basic" region="rollup2">this law.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:11:44:19" begin="00:11:43:05" style="basic" region="rollup2">And one would have thought that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:11:47:08" begin="00:11:44:19" style="basic" region="rollup2">three years after it passed that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:11:49:09" begin="00:11:47:08" style="basic" region="rollup2">some of the politics and the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:11:51:28" begin="00:11:49:09" style="basic" region="rollup2">politically charged statements</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:11:53:18" begin="00:11:51:28" style="basic" region="rollup2">would have abated.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:11:55:15" begin="00:11:53:18" style="basic" region="rollup2">But, of course, now we know they</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:11:57:14" begin="00:11:55:15" style="basic" region="rollup2">seem to be taking on a new life</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:12:00:09" begin="00:11:57:14" style="basic" region="rollup2">even as we speak every day.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:12:02:18" begin="00:12:00:09" style="basic" region="rollup2">As a journalist, I have to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:12:04:24" begin="00:12:02:18" style="basic" region="rollup2">constantly vet every single</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:12:05:28" begin="00:12:04:24" style="basic" region="rollup2">statement, every single piece of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:12:07:17" begin="00:12:05:28" style="basic" region="rollup2">information that I get.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:12:09:14" begin="00:12:07:17" style="basic" region="rollup2">Who's saying it?</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:12:10:20" begin="00:12:09:14" style="basic" region="rollup2">Why are they saying it?</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:12:12:18" begin="00:12:10:20" style="basic" region="rollup2">What is their motivation?</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:12:14:21" begin="00:12:12:18" style="basic" region="rollup2">And how are they skewing the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:12:16:19" begin="00:12:14:21" style="basic" region="rollup2">data to back up their argument.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:12:18:14" begin="00:12:16:19" style="basic" region="rollup2">And I can say with Obamacare</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:12:20:26" begin="00:12:18:14" style="basic" region="rollup2">there has been an inordinate</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:12:23:01" begin="00:12:20:26" style="basic" region="rollup2">number of statements, as you can</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:12:25:12" begin="00:12:23:01" style="basic" region="rollup2">imagine, to vet.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:12:27:09" begin="00:12:25:12" style="basic" region="rollup2">The rhetoric from both sides has</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:12:29:24" begin="00:12:27:09" style="basic" region="rollup2">been heated and misleading.</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:12:31:22" begin="00:12:29:24" style="basic" region="rollup2">Both sides.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:12:33:24" begin="00:12:31:22" style="basic" region="rollup2">I can tell you, as you know,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:12:35:13" begin="00:12:33:24" style="basic" region="rollup2">conservatives have said the law</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:12:37:24" begin="00:12:35:13" style="basic" region="rollup2">would "literally kill people."</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:12:40:18" begin="00:12:37:24" style="basic" region="rollup2">That's Michele Bachmann.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:12:42:27" begin="00:12:40:18" style="basic" region="rollup2">Others have called for President</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:12:45:00" begin="00:12:42:27" style="basic" region="rollup2">Obama's impeachment because they</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:12:46:19" begin="00:12:45:00" style="basic" region="rollup2">said he has usurped the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:12:49:22" begin="00:12:46:19" style="basic" region="rollup2">Constitution and done things</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:12:51:20" begin="00:12:49:22" style="basic" region="rollup2">illegally in implementing the</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:12:53:17" begin="00:12:51:20" style="basic" region="rollup2">law and passing it.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:12:55:18" begin="00:12:53:17" style="basic" region="rollup2">Conservatives also claim it is a</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:12:57:20" begin="00:12:55:18" style="basic" region="rollup2">job killing government takeover</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:13:00:10" begin="00:12:57:20" style="basic" region="rollup2">of healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:13:02:03" begin="00:13:00:10" style="basic" region="rollup2">On the democratic side,</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:13:04:00" begin="00:13:02:03" style="basic" region="rollup2">President Obama and his</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:13:06:12" begin="00:13:04:00" style="basic" region="rollup2">administration has said over and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:13:08:09" begin="00:13:06:12" style="basic" region="rollup2">over if you like your insurance</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:13:11:17" begin="00:13:08:09" style="basic" region="rollup2">plan, you can keep it.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:13:13:07" begin="00:13:11:17" style="basic" region="rollup2">Oh, and if you like you're</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:13:15:05" begin="00:13:13:07" style="basic" region="rollup2">doctor, you don't have to</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:13:16:21" begin="00:13:15:05" style="basic" region="rollup2">switch.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:13:18:08" begin="00:13:16:21" style="basic" region="rollup2">Well, this is, of course, the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:13:20:04" begin="00:13:18:08" style="basic" region="rollup2">statement that's in the news</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:13:22:06" begin="00:13:20:04" style="basic" region="rollup2">right now, and, really, it's not</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:13:24:09" begin="00:13:22:06" style="basic" region="rollup2">true on a lot of levels as</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:13:25:28" begin="00:13:24:09" style="basic" region="rollup2">hundreds of thousands of people</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:13:27:15" begin="00:13:25:28" style="basic" region="rollup2">across the country are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:13:29:05" begin="00:13:27:15" style="basic" region="rollup2">discovering right now when they</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:13:31:17" begin="00:13:29:05" style="basic" region="rollup2">receive cancellation notices.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:13:33:22" begin="00:13:31:17" style="basic" region="rollup2">HHS, the Department of Health</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:13:37:07" begin="00:13:33:22" style="basic" region="rollup2">and Human Services, released a</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:13:39:12" begin="00:13:37:07" style="basic" region="rollup2">glowing report, saying that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:13:41:13" begin="00:13:39:12" style="basic" region="rollup2">premiums across the country are</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:13:43:18" begin="00:13:41:13" style="basic" region="rollup2">lower than they predicted.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:13:45:05" begin="00:13:43:18" style="basic" region="rollup2">Of course, they didn't compare</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:13:46:20" begin="00:13:45:05" style="basic" region="rollup2">them against what they were</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:13:48:14" begin="00:13:46:20" style="basic" region="rollup2">before.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:13:50:05" begin="00:13:48:14" style="basic" region="rollup2">And then, of course, the White</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:13:51:22" begin="00:13:50:05" style="basic" region="rollup2">House yesterday just issued</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:13:53:23" begin="00:13:51:22" style="basic" region="rollup2">another statement, what they</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:13:56:04" begin="00:13:53:23" style="basic" region="rollup2">call a fact sheet, which says</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:13:58:29" begin="00:13:56:04" style="basic" region="rollup2">that states refusing to expand</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:14:00:27" begin="00:13:58:29" style="basic" region="rollup2">Medicaid, including Wisconsin,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:14:03:02" begin="00:14:00:27" style="basic" region="rollup2">are deliberately putting</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:14:06:11" begin="00:14:03:02" style="basic" region="rollup2">politics over people and leaving</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:14:08:19" begin="00:14:06:11" style="basic" region="rollup2">5.4 million of their own</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:14:11:03" begin="00:14:08:19" style="basic" region="rollup2">citizens uninsured.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:14:13:03" begin="00:14:11:03" style="basic" region="rollup2">The rhetoric obviously has not</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:14:15:10" begin="00:14:13:03" style="basic" region="rollup2">been isolated to Washington.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:14:16:29" begin="00:14:15:10" style="basic" region="rollup2">I'm sure you have heard it here</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:14:19:07" begin="00:14:16:29" style="basic" region="rollup2">in Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:14:21:06" begin="00:14:19:07" style="basic" region="rollup2">The insurance commissioner here</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:14:23:04" begin="00:14:21:06" style="basic" region="rollup2">came under withering criticism</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:14:25:01" begin="00:14:23:04" style="basic" region="rollup2">for issuing a report saying</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:14:26:25" begin="00:14:25:01" style="basic" region="rollup2">that, in fact, premiums were</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:14:29:14" begin="00:14:26:25" style="basic" region="rollup2">going up across the state.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:14:31:05" begin="00:14:29:14" style="basic" region="rollup2">Governor Scott Walker has called</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:14:32:29" begin="00:14:31:05" style="basic" region="rollup2">the new law a "ticking time</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="00:14:34:27" begin="00:14:32:29" style="basic" region="rollup2">bomb."</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:14:36:15" begin="00:14:34:27" style="basic" region="rollup2">Mary Burke, his democratic</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:14:38:14" begin="00:14:36:15" style="basic" region="rollup2">challenger, said his decision</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:14:40:07" begin="00:14:38:14" style="basic" region="rollup2">not to expand Medicaid is,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:14:42:10" begin="00:14:40:07" style="basic" region="rollup2">"it defies common sense."</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:14:44:25" begin="00:14:42:10" style="basic" region="rollup2">But through all of this, cutting</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:14:47:09" begin="00:14:44:25" style="basic" region="rollup2">through all of the rhetoric on</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:14:49:03" begin="00:14:47:09" style="basic" region="rollup2">both sides, there is one thing</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:14:50:26" begin="00:14:49:03" style="basic" region="rollup2">that I can tell you with almost</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:14:52:28" begin="00:14:50:26" style="basic" region="rollup2">complete confidence, and that is</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:14:57:16" begin="00:14:52:28" style="basic" region="rollup2">it's not going anywhere.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:14:59:20" begin="00:14:57:16" style="basic" region="rollup2">The House has voted to repeal it</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:15:01:21" begin="00:14:59:20" style="basic" region="rollup2">40 times.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:15:03:19" begin="00:15:01:21" style="basic" region="rollup2">As long as this president is in</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:15:06:13" begin="00:15:03:19" style="basic" region="rollup2">office, we will have Obamacare</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:15:08:22" begin="00:15:06:13" style="basic" region="rollup2">and it will be implemented.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:15:10:21" begin="00:15:08:22" style="basic" region="rollup2">And I think the recent</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:15:13:01" begin="00:15:10:21" style="basic" region="rollup2">government shutdown really</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:15:15:00" begin="00:15:13:01" style="basic" region="rollup2">demonstrated that, certainly to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:15:16:17" begin="00:15:15:00" style="basic" region="rollup2">me if it didn't to the rest of</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:15:18:01" begin="00:15:16:17" style="basic" region="rollup2">the country.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:15:19:18" begin="00:15:18:01" style="basic" region="rollup2">He is digging in his heels.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:15:21:05" begin="00:15:19:18" style="basic" region="rollup2">This is not going anywhere.</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="00:15:23:10" begin="00:15:21:05" style="basic" region="rollup2">It is his legacy.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:15:26:22" begin="00:15:23:10" style="basic" region="rollup2">So, it is up to all of us to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:15:29:20" begin="00:15:26:22" style="basic" region="rollup2">become our own journalists, in a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:15:32:06" begin="00:15:29:20" style="basic" region="rollup2">certain sense, and to start to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:15:35:19" begin="00:15:32:06" style="basic" region="rollup2">vet and really understand what</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:15:39:05" begin="00:15:35:19" style="basic" region="rollup2">this law means to you and to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:15:41:18" begin="00:15:39:05" style="basic" region="rollup2">your community regardless of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:15:44:04" begin="00:15:41:18" style="basic" region="rollup2">what the politicians are saying.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:15:47:08" begin="00:15:44:04" style="basic" region="rollup2">And that's hard to do.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:15:52:08" begin="00:15:50:19" style="basic" region="rollup2">But it's important because it</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:15:53:22" begin="00:15:52:08" style="basic" region="rollup2">will affect every single</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:15:54:24" begin="00:15:53:22" style="basic" region="rollup2">American.</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="00:15:57:09" begin="00:15:54:24" style="basic" region="rollup2">Every single one.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:15:59:11" begin="00:15:57:09" style="basic" region="rollup2">As you know by now, you will</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:16:01:02" begin="00:15:59:11" style="basic" region="rollup2">have to pay a penalty if you</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:16:02:25" begin="00:16:01:02" style="basic" region="rollup2">don't have health insurance.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:16:04:14" begin="00:16:02:25" style="basic" region="rollup2">Many people, as I said, are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:16:05:25" begin="00:16:04:14" style="basic" region="rollup2">receiving cancellation notices.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:16:07:04" begin="00:16:05:25" style="basic" region="rollup2">You're going to have to shop</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:16:08:14" begin="00:16:07:04" style="basic" region="rollup2">around for new policies.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:16:09:23" begin="00:16:08:14" style="basic" region="rollup2">Others will be looking at</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:16:11:07" begin="00:16:09:23" style="basic" region="rollup2">different types of choices.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:16:12:25" begin="00:16:11:07" style="basic" region="rollup2">High deductible plans that maybe</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:15:28" begin="00:16:12:25" style="basic" region="rollup2">have a lower premium but will</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:16:17:29" begin="00:16:15:28" style="basic" region="rollup2">costs thousands of dollars</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:16:20:23" begin="00:16:17:29" style="basic" region="rollup2">out of pocket.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:22:03" begin="00:16:20:23" style="basic" region="rollup2">I know tonight we're going to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:23:22" begin="00:16:22:03" style="basic" region="rollup2">hear from some people who are</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:25:13" begin="00:16:23:22" style="basic" region="rollup2">deeply involved and have very</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:27:05" begin="00:16:25:13" style="basic" region="rollup2">different perspectives on how</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:16:30:19" begin="00:16:27:05" style="basic" region="rollup2">this is rolling out.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:16:32:21" begin="00:16:30:19" style="basic" region="rollup2">I know we have a doctor, a human</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:16:34:20" begin="00:16:32:21" style="basic" region="rollup2">resources professional.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:36:03" begin="00:16:34:20" style="basic" region="rollup2">We have some business owners.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:16:37:27" begin="00:16:36:03" style="basic" region="rollup2">Before they start, I thought I</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:16:40:09" begin="00:16:37:27" style="basic" region="rollup2">would sweep aside, right off the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:16:42:10" begin="00:16:40:09" style="basic" region="rollup2">bat, some of the most common</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:44:06" begin="00:16:42:10" style="basic" region="rollup2">politicized statements that I</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:16:47:06" begin="00:16:44:06" style="basic" region="rollup2">myself have had to cut apart and</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:16:49:19" begin="00:16:47:06" style="basic" region="rollup2">get to the truth of.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:16:51:28" begin="00:16:49:19" style="basic" region="rollup2">The first one is if you like</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:16:54:23" begin="00:16:51:28" style="basic" region="rollup2">your plan, you can keep it.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:16:57:14" begin="00:16:54:23" style="basic" region="rollup2">This, of course, President Obama</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:16:59:23" begin="00:16:57:14" style="basic" region="rollup2">said this, or some version of</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:17:01:21" begin="00:16:59:23" style="basic" region="rollup2">this, 37 times during his</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:17:03:11" begin="00:17:01:21" style="basic" region="rollup2">campaign.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:17:05:21" begin="00:17:03:11" style="basic" region="rollup2">That's according to PolitiFact,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:17:07:27" begin="00:17:05:21" style="basic" region="rollup2">which earlier this week gave him</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:17:10:24" begin="00:17:07:27" style="basic" region="rollup2">a "pants on fire" rating for</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:17:14:05" begin="00:17:10:24" style="basic" region="rollup2">trying to change what he said.</p> -<p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:17:15:06" begin="00:17:14:05" style="basic" region="rollup2"> And then the <span tts:fontStyle="italic">Washington Post</span> </p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:17:19:02" begin="00:17:15:06" style="basic" region="rollup2">today gave him three Pinocchios.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:17:21:08" begin="00:17:19:02" style="basic" region="rollup2">The truth is hundreds of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:17:22:22" begin="00:17:21:08" style="basic" region="rollup2">thousands of people are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:17:24:23" begin="00:17:22:22" style="basic" region="rollup2">receiving cancellation notices.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:17:26:23" begin="00:17:24:23" style="basic" region="rollup2">In some cases it's because their</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:17:28:23" begin="00:17:26:23" style="basic" region="rollup2">previous plans didn't include</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:17:30:13" begin="00:17:28:23" style="basic" region="rollup2">the new benefits required under</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:17:32:02" begin="00:17:30:13" style="basic" region="rollup2">the law, such as no lifetime</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:17:34:00" begin="00:17:32:02" style="basic" region="rollup2">cap, not refusal based on</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:17:35:21" begin="00:17:34:00" style="basic" region="rollup2">preexisting conditions.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:17:38:00" begin="00:17:35:21" style="basic" region="rollup2">In other cases it's because</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:17:40:04" begin="00:17:38:00" style="basic" region="rollup2">insurers are dropping out of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:17:41:27" begin="00:17:40:04" style="basic" region="rollup2">offering individual insurance or</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:17:43:20" begin="00:17:41:27" style="basic" region="rollup2">dropping out of their market</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:17:46:04" begin="00:17:43:20" style="basic" region="rollup2">because of the law.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:17:48:24" begin="00:17:46:04" style="basic" region="rollup2">But these cancellations, for the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:17:50:28" begin="00:17:48:24" style="basic" region="rollup2">most part, are affecting people</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:17:53:02" begin="00:17:50:28" style="basic" region="rollup2">purchasing individual insurance</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:17:55:21" begin="00:17:53:02" style="basic" region="rollup2">on the individual market.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:17:57:19" begin="00:17:55:21" style="basic" region="rollup2">So, to be fair, that's about</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:18:00:02" begin="00:17:57:19" style="basic" region="rollup2">roughly 14 million Americans,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:18:02:11" begin="00:18:00:02" style="basic" region="rollup2">only about 5%, and that's a</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:18:04:11" begin="00:18:02:11" style="basic" region="rollup2">relatively small minority, but I</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:18:06:02" begin="00:18:04:11" style="basic" region="rollup2">can bet you we're going to be</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:18:07:13" begin="00:18:06:02" style="basic" region="rollup2">hearing a lot about them and</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:18:09:24" begin="00:18:07:13" style="basic" region="rollup2">from them.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:18:11:12" begin="00:18:09:24" style="basic" region="rollup2">Here's the second one.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:18:12:25" begin="00:18:11:12" style="basic" region="rollup2">If you like your doctor,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:18:14:23" begin="00:18:12:25" style="basic" region="rollup2">you don't have to switch.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:18:17:00" begin="00:18:14:23" style="basic" region="rollup2">Again, this will be different</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:18:19:04" begin="00:18:17:00" style="basic" region="rollup2">for different people, but if</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:18:20:28" begin="00:18:19:04" style="basic" region="rollup2">your doctor no longer accepts</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:18:23:00" begin="00:18:20:28" style="basic" region="rollup2">your insurance, you may have to</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:18:25:00" begin="00:18:23:00" style="basic" region="rollup2">switch.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:18:27:10" begin="00:18:25:00" style="basic" region="rollup2">If your new plan doesn't have</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:18:29:08" begin="00:18:27:10" style="basic" region="rollup2">one or more of your doctors in</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:18:30:28" begin="00:18:29:08" style="basic" region="rollup2">its network, you may have to</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:18:32:20" begin="00:18:30:28" style="basic" region="rollup2">switch.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:18:35:02" begin="00:18:32:20" style="basic" region="rollup2">It really comes down to you,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:18:37:01" begin="00:18:35:02" style="basic" region="rollup2">where you live, and how the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:18:40:04" begin="00:18:37:01" style="basic" region="rollup2">insurance companies and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:18:42:12" begin="00:18:40:04" style="basic" region="rollup2">providers in you county, in your</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:18:46:04" begin="00:18:42:12" style="basic" region="rollup2">area are implementing this law.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:18:48:12" begin="00:18:46:04" style="basic" region="rollup2">Here's another one.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:18:50:03" begin="00:18:48:12" style="basic" region="rollup2">Obamacare is a government</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:18:52:16" begin="00:18:50:03" style="basic" region="rollup2">takeover of healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:18:55:03" begin="00:18:52:16" style="basic" region="rollup2">Obviously the law is not a</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:18:57:12" begin="00:18:55:03" style="basic" region="rollup2">single payer universal</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:18:59:26" begin="00:18:57:12" style="basic" region="rollup2">government-run system, and,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:19:02:14" begin="00:18:59:26" style="basic" region="rollup2">therefore, this is not true.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:19:04:23" begin="00:19:02:14" style="basic" region="rollup2">I can say, though, that the law</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:19:08:09" begin="00:19:04:23" style="basic" region="rollup2">does expand government spending</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:19:13:03" begin="00:19:08:09" style="basic" region="rollup2">on healthcare by at least 5%.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:19:16:17" begin="00:19:13:03" style="basic" region="rollup2">Before the law, the government</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:19:18:27" begin="00:19:16:17" style="basic" region="rollup2">accounted for 43.6% of total</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:19:21:02" begin="00:19:18:27" style="basic" region="rollup2">spending on healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:19:24:07" begin="00:19:21:02" style="basic" region="rollup2">After the law, and by 2020, it</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:19:27:09" begin="00:19:24:07" style="basic" region="rollup2">will account for 49.2%.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:19:29:06" begin="00:19:27:09" style="basic" region="rollup2">So, in that way, it is expanding</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:19:31:09" begin="00:19:29:06" style="basic" region="rollup2">government involvement.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:19:33:21" begin="00:19:31:09" style="basic" region="rollup2">And the government did decide</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:19:35:12" begin="00:19:33:21" style="basic" region="rollup2">what health plans were required</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:19:37:07" begin="00:19:35:12" style="basic" region="rollup2">to cover, what are these</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:19:39:15" begin="00:19:37:07" style="basic" region="rollup2">so-called essential benefits.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:19:41:09" begin="00:19:39:15" style="basic" region="rollup2">And that's everything from the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:19:43:06" begin="00:19:41:09" style="basic" region="rollup2">preventive care, the mammograms,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:19:46:00" begin="00:19:43:06" style="basic" region="rollup2">the trips to the emergency room,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:19:48:05" begin="00:19:46:00" style="basic" region="rollup2">all of these various things that</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:19:49:22" begin="00:19:48:05" style="basic" region="rollup2">each plan is required to</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:19:52:01" begin="00:19:49:22" style="basic" region="rollup2">include.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:19:53:24" begin="00:19:52:01" style="basic" region="rollup2">And it also reserved the right</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:19:56:01" begin="00:19:53:24" style="basic" region="rollup2">to approve or disapprove the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:19:57:18" begin="00:19:56:01" style="basic" region="rollup2">plans that are going to be</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:19:59:19" begin="00:19:57:18" style="basic" region="rollup2">offered or that are being</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:01:11" begin="00:19:59:19" style="basic" region="rollup2">offered in the health exchanges.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:03:06" begin="00:20:01:11" style="basic" region="rollup2">So, in that way, it is expanding</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:20:04:24" begin="00:20:03:06" style="basic" region="rollup2">government involvement in</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:20:06:13" begin="00:20:04:24" style="basic" region="rollup2">healthcare, but, once again,</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:20:08:07" begin="00:20:06:13" style="basic" region="rollup2">it's not quite what the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:20:10:29" begin="00:20:08:07" style="basic" region="rollup2">republicans say it's doing.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:20:13:07" begin="00:20:10:29" style="basic" region="rollup2">And the other one, premiums are</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:20:15:17" begin="00:20:13:07" style="basic" region="rollup2">going up everywhere.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:20:18:04" begin="00:20:15:17" style="basic" region="rollup2">And the converse, premiums are</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:20:20:23" begin="00:20:18:04" style="basic" region="rollup2">going down everywhere.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:23:02" begin="00:20:20:23" style="basic" region="rollup2">And my favorite response to this</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:20:24:28" begin="00:20:23:02" style="basic" region="rollup2">was from the California</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:20:27:06" begin="00:20:24:28" style="basic" region="rollup2">Association of Health Plans,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:29:14" begin="00:20:27:06" style="basic" region="rollup2">which said the whole idea behind</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:20:32:12" begin="00:20:29:14" style="basic" region="rollup2">the law is to spread the costs.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:36:03" begin="00:20:32:12" style="basic" region="rollup2">So while some consumers will see</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:38:20" begin="00:20:36:03" style="basic" region="rollup2">their premiums drop, others will</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:41:06" begin="00:20:38:20" style="basic" region="rollup2">see them rise no matter what the</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:20:43:09" begin="00:20:41:06" style="basic" region="rollup2">people in Washington say.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:20:45:03" begin="00:20:43:09" style="basic" region="rollup2">There will be stories on both</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="00:20:47:20" begin="00:20:45:03" style="basic" region="rollup2">sides.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:20:50:22" begin="00:20:47:20" style="basic" region="rollup2">And I think that at the end of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:53:06" begin="00:20:50:22" style="basic" region="rollup2">the day, when you do cut through</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:20:55:24" begin="00:20:53:06" style="basic" region="rollup2">the politics and the reason it's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:20:57:22" begin="00:20:55:24" style="basic" region="rollup2">so difficult to understand this</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:21:00:04" begin="00:20:57:22" style="basic" region="rollup2">is because it is gray.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:21:01:26" begin="00:21:00:04" style="basic" region="rollup2">It is different for every</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:21:03:21" begin="00:21:01:26" style="basic" region="rollup2">person, every community.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:06:05" begin="00:21:03:21" style="basic" region="rollup2">I know here in Wisconsin some</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:09:02" begin="00:21:06:05" style="basic" region="rollup2">insurance carriers have upped</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:21:11:05" begin="00:21:09:02" style="basic" region="rollup2">their premiums on the individual</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:12:26" begin="00:21:11:05" style="basic" region="rollup2">market in order to be able to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:21:14:16" begin="00:21:12:26" style="basic" region="rollup2">meet those essential benefits.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:21:16:11" begin="00:21:14:16" style="basic" region="rollup2">Others have contracted with</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:21:20:04" begin="00:21:16:11" style="basic" region="rollup2">narrow networks, providers only</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:21:21:24" begin="00:21:20:04" style="basic" region="rollup2">within a very limited geographic</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:21:23:15" begin="00:21:21:24" style="basic" region="rollup2">area.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:21:25:10" begin="00:21:23:15" style="basic" region="rollup2">So people that buy into that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:21:27:05" begin="00:21:25:10" style="basic" region="rollup2">plan may have to drive 30-40</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:28:27" begin="00:21:27:05" style="basic" region="rollup2">miles to go see a doctor when</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:30:02" begin="00:21:28:27" style="basic" region="rollup2">they used to be able to drive</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:21:31:16" begin="00:21:30:02" style="basic" region="rollup2">10 minutes down the street.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:21:32:27" begin="00:21:31:16" style="basic" region="rollup2">But each person, each community,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:21:34:01" begin="00:21:32:27" style="basic" region="rollup2">as I said, is going to be</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:21:35:20" begin="00:21:34:01" style="basic" region="rollup2">different.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:21:37:15" begin="00:21:35:20" style="basic" region="rollup2">And time will tell, again, how</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:21:39:16" begin="00:21:37:15" style="basic" region="rollup2">it will all shake out as people</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:21:41:12" begin="00:21:39:16" style="basic" region="rollup2">receive cancellation notices and</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:21:43:14" begin="00:21:41:12" style="basic" region="rollup2">they have to shop around.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:45:18" begin="00:21:43:14" style="basic" region="rollup2">Obviously, if and when people</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:21:47:20" begin="00:21:45:18" style="basic" region="rollup2">can actually log into</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:21:50:15" begin="00:21:47:20" style="basic" region="rollup2">healthcare.gov and shop around,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:21:55:02" begin="00:21:50:15" style="basic" region="rollup2">we will all have a better idea</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:21:56:21" begin="00:21:55:02" style="basic" region="rollup2">of where everybody's going to</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:21:58:23" begin="00:21:56:21" style="basic" region="rollup2">end up.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:22:00:18" begin="00:21:58:23" style="basic" region="rollup2">And here's the most interesting</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:22:02:22" begin="00:22:00:18" style="basic" region="rollup2">part of this which is it's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:06:13" begin="00:22:02:22" style="basic" region="rollup2">really not a political decision.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:22:08:22" begin="00:22:06:13" style="basic" region="rollup2">At the end of the day this is</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:22:11:21" begin="00:22:08:22" style="basic" region="rollup2">each one of you in you living</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:13:23" begin="00:22:11:21" style="basic" region="rollup2">room, whether you are covered by</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:22:15:14" begin="00:22:13:23" style="basic" region="rollup2">an employer plan or whether</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:17:07" begin="00:22:15:14" style="basic" region="rollup2">you're looking for insurance for</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:22:18:25" begin="00:22:17:07" style="basic" region="rollup2">your small business for you</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:22:20:15" begin="00:22:18:25" style="basic" region="rollup2">employees or whether you're</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:22:22:00" begin="00:22:20:15" style="basic" region="rollup2">looking for insurance just for</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:23:18" begin="00:22:22:00" style="basic" region="rollup2">yourself and your children, it's</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:22:25:06" begin="00:22:23:18" style="basic" region="rollup2">going to be dependent on what</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:22:27:03" begin="00:22:25:06" style="basic" region="rollup2">you and your wallet and what</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:22:28:22" begin="00:22:27:03" style="basic" region="rollup2">your needs and your healthcare</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:22:32:01" begin="00:22:28:22" style="basic" region="rollup2">need.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:22:34:20" begin="00:22:32:01" style="basic" region="rollup2">And so there is no, it doesn't</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:36:21" begin="00:22:34:20" style="basic" region="rollup2">matter what John Boehner says or</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:22:38:17" begin="00:22:36:21" style="basic" region="rollup2">what President Obama says or</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:22:41:03" begin="00:22:38:17" style="basic" region="rollup2">what anybody, Governor Scott</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:22:42:26" begin="00:22:41:03" style="basic" region="rollup2">Walker for that matter, it</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:44:07" begin="00:22:42:26" style="basic" region="rollup2">really doesn't matter because at</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:45:17" begin="00:22:44:07" style="basic" region="rollup2">the end of the day it's going to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:22:46:28" begin="00:22:45:17" style="basic" region="rollup2">be you just like purchasing car</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:22:48:19" begin="00:22:46:28" style="basic" region="rollup2">insurance.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:22:50:03" begin="00:22:48:19" style="basic" region="rollup2">You're going to decide what's</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:22:52:06" begin="00:22:50:03" style="basic" region="rollup2">the best policy for your car.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:22:54:08" begin="00:22:52:06" style="basic" region="rollup2">And that's what we get to when</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:22:56:21" begin="00:22:54:08" style="basic" region="rollup2">we cut through all the politics.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:22:58:11" begin="00:22:56:21" style="basic" region="rollup2">So, I don't know if anybody has</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:22:59:24" begin="00:22:58:11" style="basic" region="rollup2">questions.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:23:00:22" begin="00:22:59:24" style="basic" region="rollup2">If you have a question for me,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:23:02:10" begin="00:23:00:22" style="basic" region="rollup2">please feel free to go up to the</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:23:04:02" begin="00:23:02:10" style="basic" region="rollup2">microphone.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:23:07:00" begin="00:23:04:02" style="basic" region="rollup2">>> I would like to know why in</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:23:11:10" begin="00:23:07:00" style="basic" region="rollup2">the world they didn't migrate</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:23:14:00" begin="00:23:11:10" style="basic" region="rollup2">100% of the people on HIRSP into</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:23:16:10" begin="00:23:14:00" style="basic" region="rollup2">the exchange?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:23:18:25" begin="00:23:16:10" style="basic" region="rollup2">And why didn't they migrate the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:23:21:08" begin="00:23:18:25" style="basic" region="rollup2">92,000 people losing BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:23:24:06" begin="00:23:21:08" style="basic" region="rollup2">directly into the exchange?</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:23:25:07" begin="00:23:24:06" style="basic" region="rollup2">I've been in the insurance</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:23:27:17" begin="00:23:25:07" style="basic" region="rollup2">business, health insurance</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:23:30:09" begin="00:23:27:17" style="basic" region="rollup2">marketing for 25 years, and one</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:23:33:14" begin="00:23:30:09" style="basic" region="rollup2">of the characteristics through</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:23:36:20" begin="00:23:33:14" style="basic" region="rollup2">this experience is that groups</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:23:38:18" begin="00:23:36:20" style="basic" region="rollup2">migrate from one company to</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:23:40:22" begin="00:23:38:18" style="basic" region="rollup2">another.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:23:42:04" begin="00:23:40:22" style="basic" region="rollup2">When one goes out of business,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:23:45:00" begin="00:23:42:04" style="basic" region="rollup2">we transfer clients to another</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:23:47:24" begin="00:23:45:00" style="basic" region="rollup2">company.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:23:51:21" begin="00:23:47:24" style="basic" region="rollup2">This would have insured 130,000</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:23:56:27" begin="00:23:51:21" style="basic" region="rollup2">people without having to have</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:24:00:06" begin="00:23:56:27" style="basic" region="rollup2">anybody do anything except to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:24:02:18" begin="00:24:00:06" style="basic" region="rollup2">adjust their situation to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:24:04:09" begin="00:24:02:18" style="basic" region="rollup2">account for their individual</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:24:07:23" begin="00:24:04:09" style="basic" region="rollup2">family and everything else.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:24:11:13" begin="00:24:07:23" style="basic" region="rollup2">That is a terrible error.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:24:12:21" begin="00:24:11:13" style="basic" region="rollup2">>> I think it's absolutely a</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:24:14:04" begin="00:24:12:21" style="basic" region="rollup2">valid question, and I think it's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:24:16:19" begin="00:24:14:04" style="basic" region="rollup2">a question for Governor Walker.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:24:18:15" begin="00:24:16:19" style="basic" region="rollup2">He made those decisions.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:24:20:03" begin="00:24:18:15" style="basic" region="rollup2">The state obviously decided to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:24:22:28" begin="00:24:20:03" style="basic" region="rollup2">dissolve that high-risk pool,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:24:25:19" begin="00:24:22:28" style="basic" region="rollup2">and Scott Walker decided to take</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:24:26:28" begin="00:24:25:19" style="basic" region="rollup2">the 92,000, although I think</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:24:29:17" begin="00:24:26:28" style="basic" region="rollup2">it's 77,000 now, of people off</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:24:31:09" begin="00:24:29:17" style="basic" region="rollup2">of BadgerCare and have them shop</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:24:33:25" begin="00:24:31:09" style="basic" region="rollup2">around on the exchange.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:24:36:03" begin="00:24:33:25" style="basic" region="rollup2">And I don't know why they didn't</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:24:37:17" begin="00:24:36:03" style="basic" region="rollup2">do it as a group except that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:24:39:02" begin="00:24:37:17" style="basic" region="rollup2">it's an individual exchange,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:24:41:20" begin="00:24:39:02" style="basic" region="rollup2">and I think the idea was to</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:24:43:21" begin="00:24:41:20" style="basic" region="rollup2">allow them to shop around.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:24:45:09" begin="00:24:43:21" style="basic" region="rollup2">>> Well, as a marketer and as an</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:24:47:07" begin="00:24:45:09" style="basic" region="rollup2">insurance agent that gets paid</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:24:49:15" begin="00:24:47:07" style="basic" region="rollup2">on commission, that's 130,000</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:24:53:16" begin="00:24:49:15" style="basic" region="rollup2">prospects that I'll get paid on</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:24:56:01" begin="00:24:53:16" style="basic" region="rollup2">a percent of them.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:24:58:13" begin="00:24:56:01" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:24:59:28" begin="00:24:58:13" style="basic" region="rollup2">>> Someone will let the governor</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:25:02:10" begin="00:24:59:28" style="basic" region="rollup2">know.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:25:04:09" begin="00:25:02:10" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:25:06:06" begin="00:25:04:09" style="basic" region="rollup2">>> Thank you.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:25:09:20" begin="00:25:06:06" style="basic" region="rollup2">>> The question I have, when</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:25:11:18" begin="00:25:09:20" style="basic" region="rollup2">this got passed, why didn't they</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:25:13:01" begin="00:25:11:18" style="basic" region="rollup2">all put a brake on it, gave</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:25:14:23" begin="00:25:13:01" style="basic" region="rollup2">everybody the same health</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:25:16:21" begin="00:25:14:23" style="basic" region="rollup2">insurance as congressmen,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:25:19:19" begin="00:25:16:21" style="basic" region="rollup2">the president, senators, and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:25:22:01" begin="00:25:19:19" style="basic" region="rollup2">everybody would pay a certain</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:25:24:23" begin="00:25:22:01" style="basic" region="rollup2">percentage, like 20% let's say,</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:25:26:05" begin="00:25:24:23" style="basic" region="rollup2">toward the healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:25:28:07" begin="00:25:26:05" style="basic" region="rollup2">If I earned $100,000,</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:25:30:19" begin="00:25:28:07" style="basic" region="rollup2">I would pay $20,000.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:25:32:15" begin="00:25:30:19" style="basic" region="rollup2">If I made $100 million,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:25:34:16" begin="00:25:32:15" style="basic" region="rollup2">I would pay $20 million.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:25:35:28" begin="00:25:34:16" style="basic" region="rollup2">No loopholes.</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:25:36:26" begin="00:25:35:28" style="basic" region="rollup2">No nothing.</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:25:38:02" begin="00:25:36:26" style="basic" region="rollup2">Simple.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:25:39:11" begin="00:25:38:02" style="basic" region="rollup2">See, I'm from the old school.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:25:40:27" begin="00:25:39:11" style="basic" region="rollup2">I have got gray hair, and we did</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:25:42:25" begin="00:25:40:27" style="basic" region="rollup2">things simpler.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:25:44:27" begin="00:25:42:25" style="basic" region="rollup2">Now it's so complex.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:25:46:22" begin="00:25:44:27" style="basic" region="rollup2">Nobody knows anything.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:25:48:05" begin="00:25:46:22" style="basic" region="rollup2">That's all I have to say.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:25:49:05" begin="00:25:48:05" style="basic" region="rollup2">Do you have any comments.</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:25:50:07" begin="00:25:49:05" style="basic" region="rollup2">>> That's true.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:25:51:15" begin="00:25:50:07" style="basic" region="rollup2">It's very complex.</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="00:25:52:16" begin="00:25:51:15" style="basic" region="rollup2">It is.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:25:53:23" begin="00:25:52:16" style="basic" region="rollup2">And this is the result of a</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:25:55:17" begin="00:25:53:23" style="basic" region="rollup2">political compromise because, I</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:25:57:24" begin="00:25:55:17" style="basic" region="rollup2">think, when democrats first set</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:25:59:11" begin="00:25:57:24" style="basic" region="rollup2">out to make this law, they</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:26:00:21" begin="00:25:59:11" style="basic" region="rollup2">wanted to make a universal</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="00:26:02:15" begin="00:26:00:21" style="basic" region="rollup2">payer.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:26:05:09" begin="00:26:02:15" style="basic" region="rollup2">If they had their way, Medicare</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:26:08:09" begin="00:26:05:09" style="basic" region="rollup2">would be, all Americans would</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:26:09:26" begin="00:26:08:09" style="basic" region="rollup2">have health insurance paid for</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:26:11:09" begin="00:26:09:26" style="basic" region="rollup2">by the government.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:26:13:05" begin="00:26:11:09" style="basic" region="rollup2">But, of course, then you have</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:26:14:16" begin="00:26:13:05" style="basic" region="rollup2">the republicans, and they want a</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:26:15:24" begin="00:26:14:16" style="basic" region="rollup2">free market.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:26:17:05" begin="00:26:15:24" style="basic" region="rollup2">So what we end up with is a</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:26:18:22" begin="00:26:17:05" style="basic" region="rollup2">hybrid.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:26:20:07" begin="00:26:18:22" style="basic" region="rollup2">And that's part of what makes it</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:26:21:22" begin="00:26:20:07" style="basic" region="rollup2">confusing but also part of what</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:26:23:19" begin="00:26:21:22" style="basic" region="rollup2">makes America America.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:26:24:24" begin="00:26:23:19" style="basic" region="rollup2">>> Yeah.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:26:26:00" begin="00:26:24:24" style="basic" region="rollup2">But I mean simple.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:26:27:07" begin="00:26:26:00" style="basic" region="rollup2">Everybody would pay, like I</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:26:28:25" begin="00:26:27:07" style="basic" region="rollup2">said, and there wouldn't be all</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:26:30:02" begin="00:26:28:25" style="basic" region="rollup2">this fighting.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:26:31:09" begin="00:26:30:02" style="basic" region="rollup2">That's what I'm saying.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:26:32:18" begin="00:26:31:09" style="basic" region="rollup2">Instead of buying everybody off</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:26:34:08" begin="00:26:32:18" style="basic" region="rollup2">to vote for the healthcare, like</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:26:36:03" begin="00:26:34:08" style="basic" region="rollup2">they did, they should have just</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:26:37:26" begin="00:26:36:03" style="basic" region="rollup2">put a brake on it.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:26:38:27" begin="00:26:37:26" style="basic" region="rollup2">>> Are you going to run for</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:26:40:02" begin="00:26:38:27" style="basic" region="rollup2">congress?</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:26:41:20" begin="00:26:40:02" style="basic" region="rollup2">>> Well, no because they</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:26:43:02" begin="00:26:41:20" style="basic" region="rollup2">wouldn't want me because I would</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:26:45:14" begin="00:26:43:02" style="basic" region="rollup2">say it the way it is.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:26:47:11" begin="00:26:45:14" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:26:49:24" begin="00:26:47:11" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:26:53:26" begin="00:26:49:24" style="basic" region="rollup2">>> Thank you very much.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:26:55:08" begin="00:26:53:26" style="basic" region="rollup2">>> Can you answer certain</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:26:56:13" begin="00:26:55:08" style="basic" region="rollup2">questions regarding healthcare</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:26:57:29" begin="00:26:56:13" style="basic" region="rollup2">in this area?</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:26:59:19" begin="00:26:57:29" style="basic" region="rollup2">>> I hope so.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:00:29" begin="00:26:59:19" style="basic" region="rollup2">>> What hospitals in this area</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:27:02:00" begin="00:27:00:29" style="basic" region="rollup2">are going to be accepting the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:27:03:23" begin="00:27:02:00" style="basic" region="rollup2">Affordable Care Act?</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:27:04:28" begin="00:27:03:23" style="basic" region="rollup2">All of them?</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:27:06:15" begin="00:27:04:28" style="basic" region="rollup2">Or are there limited ones?</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:27:07:22" begin="00:27:06:15" style="basic" region="rollup2">>> This is where it's not my</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:27:09:02" begin="00:27:07:22" style="basic" region="rollup2">expertise because I actually</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:27:10:26" begin="00:27:09:02" style="basic" region="rollup2">live in Washington, DC.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:27:12:11" begin="00:27:10:26" style="basic" region="rollup2">>> Okay.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:27:14:03" begin="00:27:12:11" style="basic" region="rollup2">Second one, for preexisting</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:27:15:22" begin="00:27:14:03" style="basic" region="rollup2">conditions, I already have</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:27:17:23" begin="00:27:15:22" style="basic" region="rollup2">health insurance right now, and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:20:06" begin="00:27:17:23" style="basic" region="rollup2">if I have high blood pressure,</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:27:21:17" begin="00:27:20:06" style="basic" region="rollup2">if I signed up for the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:27:22:21" begin="00:27:21:17" style="basic" region="rollup2">Affordable Care Act would the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:25:16" begin="00:27:22:21" style="basic" region="rollup2">high blood pressure be covered</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:26:29" begin="00:27:25:16" style="basic" region="rollup2">or do you have to wait a year?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:28:02" begin="00:27:26:29" style="basic" region="rollup2">I heard there was an exception</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:27:29:16" begin="00:27:28:02" style="basic" region="rollup2">for that.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:27:31:15" begin="00:27:29:16" style="basic" region="rollup2">>> As far as I know, there is</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:27:33:17" begin="00:27:31:15" style="basic" region="rollup2">zero underwriting allowed,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:27:35:29" begin="00:27:33:17" style="basic" region="rollup2">meaning they cannot deny you</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:37:14" begin="00:27:35:29" style="basic" region="rollup2">for your preexisting condition</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:27:38:19" begin="00:27:37:14" style="basic" region="rollup2">at all.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:27:41:04" begin="00:27:38:19" style="basic" region="rollup2">And that's a major part of the</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:27:44:08" begin="00:27:41:04" style="basic" region="rollup2">law.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:27:45:29" begin="00:27:44:08" style="basic" region="rollup2">There are many other people here</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:27:47:20" begin="00:27:45:29" style="basic" region="rollup2">who are much more qualified than</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:27:49:12" begin="00:27:47:20" style="basic" region="rollup2">me to talk about that, but that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:27:50:27" begin="00:27:49:12" style="basic" region="rollup2">is one of the issues with the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:27:53:21" begin="00:27:50:27" style="basic" region="rollup2">law, is that you cannot be</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:27:56:06" begin="00:27:53:21" style="basic" region="rollup2">denied.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:27:57:26" begin="00:27:56:06" style="basic" region="rollup2">>> Last question, is it very</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:28:00:07" begin="00:27:57:26" style="basic" region="rollup2">area specific?</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:28:02:03" begin="00:28:00:07" style="basic" region="rollup2">I travel to Florida in the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:28:03:19" begin="00:28:02:03" style="basic" region="rollup2">winter and I also do extensive</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:28:05:12" begin="00:28:03:19" style="basic" region="rollup2">travels internationally,</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:28:07:04" begin="00:28:05:12" style="basic" region="rollup2">will that be covered?</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:28:08:04" begin="00:28:07:04" style="basic" region="rollup2">>> Well, that's a really</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:28:09:10" begin="00:28:08:04" style="basic" region="rollup2">interesting question, and it's</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:28:11:16" begin="00:28:09:10" style="basic" region="rollup2">one that I don't know, because</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:28:13:17" begin="00:28:11:16" style="basic" region="rollup2">I don't know the individual</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:28:15:00" begin="00:28:13:17" style="basic" region="rollup2">peculiarities of travel</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:28:16:04" begin="00:28:15:00" style="basic" region="rollup2">insurance, and that kind of</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="00:28:17:03" begin="00:28:16:04" style="basic" region="rollup2">thing.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:28:18:25" begin="00:28:17:03" style="basic" region="rollup2">But maybe one of our panelists</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:28:20:27" begin="00:28:18:25" style="basic" region="rollup2">coming up can answer that.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:28:22:24" begin="00:28:20:27" style="basic" region="rollup2">I know we have a human resources</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:28:24:09" begin="00:28:22:24" style="basic" region="rollup2">person and some other small</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:28:26:10" begin="00:28:24:09" style="basic" region="rollup2">business owners and people that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:28:29:07" begin="00:28:26:10" style="basic" region="rollup2">are really involved with how</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:28:30:27" begin="00:28:29:07" style="basic" region="rollup2">this is rolling out.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:28:31:24" begin="00:28:30:27" style="basic" region="rollup2">So hopefully they can answer</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:28:33:24" begin="00:28:31:24" style="basic" region="rollup2">that.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:28:36:25" begin="00:28:33:24" style="basic" region="rollup2">I appreciate it.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:28:42:14" begin="00:28:39:04" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:28:50:20" begin="00:28:47:15" style="basic" region="rollup2">>> Okay, it is now my pleasure</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:28:53:09" begin="00:28:50:20" style="basic" region="rollup2">to introduce the moderator</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:28:57:27" begin="00:28:53:09" style="basic" region="rollup2">for this distinguished panel.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:29:00:21" begin="00:28:57:27" style="basic" region="rollup2">Carol Koby is the executive</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:29:03:10" begin="00:29:00:21" style="basic" region="rollup2">producer and host of All About</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:29:05:17" begin="00:29:03:10" style="basic" region="rollup2">Living, radio with Midwest</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:29:07:16" begin="00:29:05:17" style="basic" region="rollup2">Family Broadcasting.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:29:09:16" begin="00:29:07:16" style="basic" region="rollup2">She is a communications</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:29:11:11" begin="00:29:09:16" style="basic" region="rollup2">consultant and has extensive</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:29:13:12" begin="00:29:11:11" style="basic" region="rollup2">experience in moderating panels</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:29:14:21" begin="00:29:13:12" style="basic" region="rollup2">such as this.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:29:16:02" begin="00:29:14:21" style="basic" region="rollup2">So please give Carol Koby</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:29:17:20" begin="00:29:16:02" style="basic" region="rollup2">a welcome.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:29:20:10" begin="00:29:17:20" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:29:26:22" begin="00:29:25:23" style="basic" region="rollup2">>> Thank you very much,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:29:29:10" begin="00:29:26:22" style="basic" region="rollup2">and it's a pleasure to be here.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:29:30:25" begin="00:29:29:10" style="basic" region="rollup2">Listening to the questions,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:29:32:24" begin="00:29:30:25" style="basic" region="rollup2">there is a lot of confusion, and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:29:35:05" begin="00:29:32:24" style="basic" region="rollup2">this was really a big deal.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:29:37:16" begin="00:29:35:05" style="basic" region="rollup2">We are living in a major moment</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:29:38:29" begin="00:29:37:16" style="basic" region="rollup2">in history.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:29:40:18" begin="00:29:38:29" style="basic" region="rollup2">And if passing federal health</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:29:43:03" begin="00:29:40:18" style="basic" region="rollup2">reform were so easy, one of the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:29:45:06" begin="00:29:43:03" style="basic" region="rollup2">administrations over the past</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:29:47:09" begin="00:29:45:06" style="basic" region="rollup2">100 years would have already</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:29:49:08" begin="00:29:47:09" style="basic" region="rollup2">accomplished it, something that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:29:51:21" begin="00:29:49:08" style="basic" region="rollup2">several of them tried to do.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:29:53:16" begin="00:29:51:21" style="basic" region="rollup2">But some things did happen, as</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:29:55:24" begin="00:29:53:16" style="basic" region="rollup2">Tom Nelson mentioned.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:29:57:21" begin="00:29:55:24" style="basic" region="rollup2">We have Medicare that was passed</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:29:59:09" begin="00:29:57:21" style="basic" region="rollup2">during the Johnson</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:00:27" begin="00:29:59:09" style="basic" region="rollup2">Administration, and then during</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:02:16" begin="00:30:00:27" style="basic" region="rollup2">the Reagan Administration COBRA</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:30:04:05" begin="00:30:02:16" style="basic" region="rollup2">was passed.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:30:06:03" begin="00:30:04:05" style="basic" region="rollup2">And a provision in COBRA</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:08:08" begin="00:30:06:03" style="basic" region="rollup2">included that no person needing</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:10:14" begin="00:30:08:08" style="basic" region="rollup2">medical attention can be denied</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:30:12:23" begin="00:30:10:14" style="basic" region="rollup2">healthcare in an emergency room.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:14:17" begin="00:30:12:23" style="basic" region="rollup2">So, as many people say, you can</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:30:16:06" begin="00:30:14:17" style="basic" region="rollup2">always go to the emergency room.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:18:04" begin="00:30:16:06" style="basic" region="rollup2">Well, that is our form, in this</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:30:19:23" begin="00:30:18:04" style="basic" region="rollup2">country, of universal</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:30:21:22" begin="00:30:19:23" style="basic" region="rollup2">healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:30:23:06" begin="00:30:21:22" style="basic" region="rollup2">And now we have the Patient</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:24:21" begin="00:30:23:06" style="basic" region="rollup2">Protection and Affordable Care</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:26:16" begin="00:30:24:21" style="basic" region="rollup2">Act, shortened formally to the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:30:28:06" begin="00:30:26:16" style="basic" region="rollup2">Affordable Care Act and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:30:21" begin="00:30:28:06" style="basic" region="rollup2">informally known as Obamacare.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:30:32:12" begin="00:30:30:21" style="basic" region="rollup2">And I have followed and reported</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:30:34:26" begin="00:30:32:12" style="basic" region="rollup2">on this law of the land since it</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:37:12" begin="00:30:34:26" style="basic" region="rollup2">was passed and signed into law</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="00:30:39:13" begin="00:30:37:12" style="basic" region="rollup2">in March of 2010.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:30:41:04" begin="00:30:39:13" style="basic" region="rollup2">And so when I happened to be</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:43:01" begin="00:30:41:04" style="basic" region="rollup2">sitting at my computer late in</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:30:45:07" begin="00:30:43:01" style="basic" region="rollup2">the evening of September 30th</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:30:47:04" begin="00:30:45:07" style="basic" region="rollup2">and the hand was creeping</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:49:00" begin="00:30:47:04" style="basic" region="rollup2">towards midnight and it got to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:30:50:19" begin="00:30:49:00" style="basic" region="rollup2">be one minute after midnight and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:30:53:11" begin="00:30:50:19" style="basic" region="rollup2">I thought to myself, I wonder,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:30:55:04" begin="00:30:53:11" style="basic" region="rollup2">because I had been logging into</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:30:58:12" begin="00:30:55:04" style="basic" region="rollup2">healthcare.gov regularly.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:31:01:01" begin="00:30:58:12" style="basic" region="rollup2">And sure enough, there it was.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:31:03:27" begin="00:31:01:01" style="basic" region="rollup2">Instead of coming soon, which</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:31:05:21" begin="00:31:03:27" style="basic" region="rollup2">was the words right under the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:31:07:22" begin="00:31:05:21" style="basic" region="rollup2">pretty girl smiling, there was</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:31:09:16" begin="00:31:07:22" style="basic" region="rollup2">the word "open".</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:31:11:22" begin="00:31:09:16" style="basic" region="rollup2">Well, at the moment, of course</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:31:13:05" begin="00:31:11:22" style="basic" region="rollup2">I had an adrenaline rush because</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:31:14:21" begin="00:31:13:05" style="basic" region="rollup2">I had been following it and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:31:16:12" begin="00:31:14:21" style="basic" region="rollup2">building up to this, and of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:31:17:15" begin="00:31:16:12" style="basic" region="rollup2">course that was quickly</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:31:19:16" begin="00:31:17:15" style="basic" region="rollup2">dissipated when I found out that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:31:20:21" begin="00:31:19:16" style="basic" region="rollup2">it may be open but it wasn't</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:31:21:27" begin="00:31:20:21" style="basic" region="rollup2">working.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:31:23:06" begin="00:31:21:27" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:31:24:23" begin="00:31:23:06" style="basic" region="rollup2">Yet.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:31:26:18" begin="00:31:24:23" style="basic" region="rollup2">But that's only one part of the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:31:29:02" begin="00:31:26:18" style="basic" region="rollup2">Affordable Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:31:30:18" begin="00:31:29:02" style="basic" region="rollup2">While it is probably the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:31:32:05" begin="00:31:30:18" style="basic" region="rollup2">signature part of the act,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:31:34:09" begin="00:31:32:05" style="basic" region="rollup2">there's a lot more to it.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:31:36:07" begin="00:31:34:09" style="basic" region="rollup2">And that part, healthcare.gov,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:31:37:29" begin="00:31:36:07" style="basic" region="rollup2">will be and is being fixed, and</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:31:39:14" begin="00:31:37:29" style="basic" region="rollup2">many people are having</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:31:40:23" begin="00:31:39:14" style="basic" region="rollup2">successful experience on it</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:31:42:07" begin="00:31:40:23" style="basic" region="rollup2">already.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:31:43:17" begin="00:31:42:07" style="basic" region="rollup2">And that will continue to</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:31:45:03" begin="00:31:43:17" style="basic" region="rollup2">improve.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:31:46:16" begin="00:31:45:03" style="basic" region="rollup2">So where are we with the law,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:31:48:10" begin="00:31:46:16" style="basic" region="rollup2">with the Affordable Care Act</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:31:49:26" begin="00:31:48:10" style="basic" region="rollup2">really, and what does it mean to</p> <p tts:origin="10% 84.66%" tts:extent="7.5% 5.33%" end="00:31:51:10" begin="00:31:49:26" style="basic" region="rollup2">us?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:31:52:23" begin="00:31:51:10" style="basic" region="rollup2">Well, that's why we're gathered</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:31:54:09" begin="00:31:52:23" style="basic" region="rollup2">here tonight to strip away the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:31:56:08" begin="00:31:54:09" style="basic" region="rollup2">politics, the political pundits,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:31:58:06" begin="00:31:56:08" style="basic" region="rollup2">opinions, and they're striving</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:31:59:29" begin="00:31:58:06" style="basic" region="rollup2">to beat one another for ratings,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:32:01:21" begin="00:31:59:29" style="basic" region="rollup2">and get down to the nuts and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:32:03:19" begin="00:32:01:21" style="basic" region="rollup2">bolts and present to you the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:32:06:02" begin="00:32:03:19" style="basic" region="rollup2">realities of Obamacare.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:32:07:28" begin="00:32:06:02" style="basic" region="rollup2">And to do this, let me introduce</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:32:10:00" begin="00:32:07:28" style="basic" region="rollup2">to you this very distinguished</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:32:11:18" begin="00:32:10:00" style="basic" region="rollup2">panel who has many of the</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:32:12:29" begin="00:32:11:18" style="basic" region="rollup2">answers to the questions</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:32:14:20" begin="00:32:12:29" style="basic" region="rollup2">you have already expressed.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:32:16:22" begin="00:32:14:20" style="basic" region="rollup2">And they are, starting from the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:32:18:21" begin="00:32:16:22" style="basic" region="rollup2">far left, your left,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:32:21:11" begin="00:32:18:21" style="basic" region="rollup2">is Bill Hanna, Kerry Arent,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:32:24:12" begin="00:32:21:11" style="basic" region="rollup2">John Meurer, Lori Compass,</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:32:27:04" begin="00:32:24:12" style="basic" region="rollup2">and Jose Araujo.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:32:28:18" begin="00:32:27:04" style="basic" region="rollup2">How did I do, Jose?</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:32:29:18" begin="00:32:28:18" style="basic" region="rollup2">>> Good.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:32:30:26" begin="00:32:29:18" style="basic" region="rollup2">>> Thank you.</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:32:32:26" begin="00:32:30:26" style="basic" region="rollup2">I practiced.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:32:34:02" begin="00:32:32:26" style="basic" region="rollup2">And you will meet them a little</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:32:36:16" begin="00:32:34:02" style="basic" region="rollup2">bit more in just a moment, and I</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:32:37:23" begin="00:32:36:16" style="basic" region="rollup2">will give you a little bit of</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:32:38:21" begin="00:32:37:23" style="basic" region="rollup2">their backgrounds.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:32:40:20" begin="00:32:38:21" style="basic" region="rollup2">But before I do, you recall</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:32:42:22" begin="00:32:40:20" style="basic" region="rollup2">seeing the Young Invincibles</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:32:44:12" begin="00:32:42:22" style="basic" region="rollup2">video as you gathered in the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:32:46:22" begin="00:32:44:12" style="basic" region="rollup2">room this evening talking about</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:32:48:16" begin="00:32:46:22" style="basic" region="rollup2">these young people who seem to</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:32:50:14" begin="00:32:48:16" style="basic" region="rollup2">have more of a pension for</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:32:52:15" begin="00:32:50:14" style="basic" region="rollup2">taking the risk of not</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:32:54:14" begin="00:32:52:15" style="basic" region="rollup2">purchasing insurance, either</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:32:56:03" begin="00:32:54:14" style="basic" region="rollup2">because they think that they're</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:32:57:23" begin="00:32:56:03" style="basic" region="rollup2">not going to get sick or it's</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:32:59:17" begin="00:32:57:23" style="basic" region="rollup2">one of the expenses that they</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:33:01:05" begin="00:32:59:17" style="basic" region="rollup2">don't feel they can afford at</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:33:03:07" begin="00:33:01:05" style="basic" region="rollup2">the moment.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:33:04:20" begin="00:33:03:07" style="basic" region="rollup2">So as we watched that, they</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:33:06:12" begin="00:33:04:20" style="basic" region="rollup2">really encompass the fact that</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:33:09:08" begin="00:33:06:12" style="basic" region="rollup2">we are all 100% at risk of</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:33:11:01" begin="00:33:09:08" style="basic" region="rollup2">needing healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:33:13:16" begin="00:33:11:01" style="basic" region="rollup2">And now, before we hear from our</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:33:15:14" begin="00:33:13:16" style="basic" region="rollup2">panelists, let's watch a short</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:33:16:22" begin="00:33:15:14" style="basic" region="rollup2">segment from Wisconsin Public</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:33:18:06" begin="00:33:16:22" style="basic" region="rollup2">Television on some of the recent</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:33:20:02" begin="00:33:18:06" style="basic" region="rollup2">changes to BadgerCare and the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:33:21:15" begin="00:33:20:02" style="basic" region="rollup2">way they're affecting the people</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:33:23:21" begin="00:33:21:15" style="basic" region="rollup2">of our state.</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:33:25:25" begin="00:33:23:21" style="basic" region="rollup2">Let's watch.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:33:27:15" begin="00:33:25:25" style="basic" region="rollup2">>> I just was blind sided by</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:33:29:13" begin="00:33:27:15" style="basic" region="rollup2">Nathaniel being taken off of</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:33:30:26" begin="00:33:29:13" style="basic" region="rollup2">BadgerCare.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:33:32:10" begin="00:33:30:26" style="basic" region="rollup2">>> Becky McElhaney received a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:33:34:02" begin="00:33:32:10" style="basic" region="rollup2">letter from the state that her</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:33:35:16" begin="00:33:34:02" style="basic" region="rollup2">two children, including her</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:33:37:24" begin="00:33:35:16" style="basic" region="rollup2">14-year-old disabled son, could</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:33:39:24" begin="00:33:37:24" style="basic" region="rollup2">be losing BadgerCare coverage</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:33:42:03" begin="00:33:39:24" style="basic" region="rollup2">because of eligibility changes.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:33:43:21" begin="00:33:42:03" style="basic" region="rollup2">She says calls to her county</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:33:45:11" begin="00:33:43:21" style="basic" region="rollup2">Medicaid office in Wausau</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:33:47:04" begin="00:33:45:11" style="basic" region="rollup2">confirmed they'd be dropped</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:33:49:03" begin="00:33:47:04" style="basic" region="rollup2">as of next year.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:33:50:26" begin="00:33:49:03" style="basic" region="rollup2">>> I think it's horrible.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:33:53:14" begin="00:33:50:26" style="basic" region="rollup2">I mean, we need that help in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:33:56:03" begin="00:33:53:14" style="basic" region="rollup2">this family due to the fact that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:33:58:26" begin="00:33:56:03" style="basic" region="rollup2">his therapies are very, very</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:34:00:19" begin="00:33:58:26" style="basic" region="rollup2">expensive.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:34:02:04" begin="00:34:00:19" style="basic" region="rollup2">>> McElhaney was among more than</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:34:04:00" begin="00:34:02:04" style="basic" region="rollup2">90,000 people in Wisconsin that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:34:05:15" begin="00:34:04:00" style="basic" region="rollup2">received this type of letter</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:34:07:16" begin="00:34:05:15" style="basic" region="rollup2">from the state in September.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:34:08:18" begin="00:34:07:16" style="basic" region="rollup2">Kathleen Goff got the same</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:34:10:21" begin="00:34:08:18" style="basic" region="rollup2">letter in Kenosha.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:34:12:25" begin="00:34:10:21" style="basic" region="rollup2">>> I was disappointed that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:34:17:13" begin="00:34:12:25" style="basic" region="rollup2">I was going to be taken off,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:34:21:01" begin="00:34:17:13" style="basic" region="rollup2">but I was hopeful that I could</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:34:22:19" begin="00:34:21:01" style="basic" region="rollup2">find another policy through</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:34:24:18" begin="00:34:22:19" style="basic" region="rollup2">Obamacare.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:34:26:09" begin="00:34:24:18" style="basic" region="rollup2">I'm hopeful that I can, that's</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:34:29:01" begin="00:34:26:09" style="basic" region="rollup2">as good as BadgerCare is.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:34:30:26" begin="00:34:29:01" style="basic" region="rollup2">>> The letter said this: "Due to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:34:32:17" begin="00:34:30:26" style="basic" region="rollup2">changes in state law, adult</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:34:34:17" begin="00:34:32:17" style="basic" region="rollup2">members with household income</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:34:36:11" begin="00:34:34:17" style="basic" region="rollup2">above 100% of the federal</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:34:38:12" begin="00:34:36:11" style="basic" region="rollup2">poverty level and children with</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:34:41:19" begin="00:34:38:12" style="basic" region="rollup2">household income above 300% FPL</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:34:43:10" begin="00:34:41:19" style="basic" region="rollup2">will no longer be eligible for</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:34:45:08" begin="00:34:43:10" style="basic" region="rollup2">BadgerCare Plus.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:34:46:29" begin="00:34:45:08" style="basic" region="rollup2">You or someone in your household</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:34:49:22" begin="00:34:46:29" style="basic" region="rollup2">may be above these limits."</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:34:51:07" begin="00:34:49:22" style="basic" region="rollup2">The letters told people to apply</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:34:52:16" begin="00:34:51:07" style="basic" region="rollup2">for insurance through the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:34:54:03" begin="00:34:52:16" style="basic" region="rollup2">Healthcare Marketplace,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:34:57:00" begin="00:34:54:03" style="basic" region="rollup2">but that hasn't been easy.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:34:58:08" begin="00:34:57:00" style="basic" region="rollup2">>> It always gives me this.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:34:59:13" begin="00:34:58:08" style="basic" region="rollup2">"Your account couldn't be</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:35:01:19" begin="00:34:59:13" style="basic" region="rollup2">created at this time."</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:35:03:00" begin="00:35:01:19" style="basic" region="rollup2">>> The Deputy Secretary of the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:35:04:20" begin="00:35:03:00" style="basic" region="rollup2">Department of Health Services</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:07:04" begin="00:35:04:20" style="basic" region="rollup2">explains the BadgerCare changes.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:35:08:19" begin="00:35:07:04" style="basic" region="rollup2">>> As part of Governor Walker's</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:35:11:07" begin="00:35:08:19" style="basic" region="rollup2">2013-2015 state budget, he</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:35:13:26" begin="00:35:11:07" style="basic" region="rollup2">initiated an entitlement reform</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:16:06" begin="00:35:13:26" style="basic" region="rollup2">plan to really create a Medicaid</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:18:09" begin="00:35:16:06" style="basic" region="rollup2">program for individuals that are</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:35:20:09" begin="00:35:18:09" style="basic" region="rollup2">truly in poverty and also to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:21:24" begin="00:35:20:09" style="basic" region="rollup2">take advantage of that fact that</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:35:23:01" begin="00:35:21:24" style="basic" region="rollup2">with the changes in the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:35:24:28" begin="00:35:23:01" style="basic" region="rollup2">Affordable Care Act that people</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:35:26:00" begin="00:35:24:28" style="basic" region="rollup2">will have access to affordable</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:35:26:28" begin="00:35:26:00" style="basic" region="rollup2">health insurance through the</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:35:28:19" begin="00:35:26:28" style="basic" region="rollup2">exchanges.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:35:29:28" begin="00:35:28:19" style="basic" region="rollup2">>> In McElhaney's situation,</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:35:31:14" begin="00:35:29:28" style="basic" region="rollup2">her son, with autism,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:35:33:00" begin="00:35:31:14" style="basic" region="rollup2">and her daughter were covered</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="00:35:34:19" begin="00:35:33:00" style="basic" region="rollup2">under BadgerCare.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:35:35:18" begin="00:35:34:19" style="basic" region="rollup2">She was covered under the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:35:36:23" begin="00:35:35:18" style="basic" region="rollup2">state's high risk insurance</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:35:38:28" begin="00:35:36:23" style="basic" region="rollup2">plan, or HIRSP, because she had</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:40:29" begin="00:35:38:28" style="basic" region="rollup2">previously been denied insurance</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:35:42:10" begin="00:35:40:29" style="basic" region="rollup2">due to a chronic medical</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:35:43:25" begin="00:35:42:10" style="basic" region="rollup2">condition.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:35:44:28" begin="00:35:43:25" style="basic" region="rollup2">The Affordable Care Act</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:46:13" begin="00:35:44:28" style="basic" region="rollup2">prohibits such denial and so the</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:35:49:08" begin="00:35:46:13" style="basic" region="rollup2">state program is ending.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:35:50:27" begin="00:35:49:08" style="basic" region="rollup2">A complicated case that got more</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:35:52:14" begin="00:35:50:27" style="basic" region="rollup2">complicated when she couldn't</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:35:54:18" begin="00:35:52:14" style="basic" region="rollup2">access the healthcare.gov</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:35:57:01" begin="00:35:54:18" style="basic" region="rollup2">website and took to the phone.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:35:58:27" begin="00:35:57:01" style="basic" region="rollup2">>> Right, but can you give me</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:36:01:11" begin="00:35:58:27" style="basic" region="rollup2">any plan information right now?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:36:03:00" begin="00:36:01:11" style="basic" region="rollup2">I need, you know, I need, I've</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:36:04:28" begin="00:36:03:00" style="basic" region="rollup2">been waiting and I'd like to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:36:06:20" begin="00:36:04:28" style="basic" region="rollup2">know if you can give me any</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:36:08:14" begin="00:36:06:20" style="basic" region="rollup2">numbers or plan information</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:36:09:28" begin="00:36:08:14" style="basic" region="rollup2">about what I'm going to be</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:36:11:16" begin="00:36:09:28" style="basic" region="rollup2">looking at.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:36:13:00" begin="00:36:11:16" style="basic" region="rollup2">>> Consumer healthcare advocates</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:36:15:18" begin="00:36:13:00" style="basic" region="rollup2">say it's crazy out there.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:36:17:00" begin="00:36:15:18" style="basic" region="rollup2">>> We're getting calls.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:36:18:07" begin="00:36:17:00" style="basic" region="rollup2">I'm talking to people who are</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:36:20:12" begin="00:36:18:07" style="basic" region="rollup2">confused, uncertain about</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:36:22:07" begin="00:36:20:12" style="basic" region="rollup2">whether this is going to affect</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:36:23:27" begin="00:36:22:07" style="basic" region="rollup2">them or not yet.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:36:25:25" begin="00:36:23:27" style="basic" region="rollup2">They're getting letters.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:36:27:23" begin="00:36:25:25" style="basic" region="rollup2">They realize that change is</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:36:29:18" begin="00:36:27:23" style="basic" region="rollup2">coming, and I think that some</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:36:31:00" begin="00:36:29:18" style="basic" region="rollup2">have tried the Marketplace and</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:36:32:22" begin="00:36:31:00" style="basic" region="rollup2">not been able to get in.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:36:34:27" begin="00:36:32:22" style="basic" region="rollup2">So it's a situation where it</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:36:37:05" begin="00:36:34:27" style="basic" region="rollup2">hasn't reached the panic point</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:36:38:17" begin="00:36:37:05" style="basic" region="rollup2">yet, at least people that have</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:36:40:05" begin="00:36:38:17" style="basic" region="rollup2">called us, but I think people</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:36:42:12" begin="00:36:40:05" style="basic" region="rollup2">are very concerned.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:36:43:14" begin="00:36:42:12" style="basic" region="rollup2">>> According to the state Health</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:36:45:06" begin="00:36:43:14" style="basic" region="rollup2">Department, new letters will be</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:36:46:23" begin="00:36:45:06" style="basic" region="rollup2">going out at the end of this</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:36:48:26" begin="00:36:46:23" style="basic" region="rollup2">month confirming for BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:36:50:12" begin="00:36:48:26" style="basic" region="rollup2">recipients whether or not</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:36:51:17" begin="00:36:50:12" style="basic" region="rollup2">they're definitely out of the</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:36:53:08" begin="00:36:51:17" style="basic" region="rollup2">plan.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:36:54:27" begin="00:36:53:08" style="basic" region="rollup2">>> You're kind of in limbo, and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:36:57:27" begin="00:36:54:27" style="basic" region="rollup2">you don't know what is your</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:37:01:26" begin="00:36:57:27" style="basic" region="rollup2">future as far as healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:37:04:01" begin="00:37:01:26" style="basic" region="rollup2">>> Just this week, McElhaney</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:37:05:19" begin="00:37:04:01" style="basic" region="rollup2">learned that because of new</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:37:07:08" begin="00:37:05:19" style="basic" region="rollup2">changes in how child support</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:37:09:06" begin="00:37:07:08" style="basic" region="rollup2">income is counted, her kids</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:37:10:25" begin="00:37:09:06" style="basic" region="rollup2">will be eligible for BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:37:13:04" begin="00:37:10:25" style="basic" region="rollup2">after all.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:37:14:22" begin="00:37:13:04" style="basic" region="rollup2">It's a roller coaster and still</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:37:16:03" begin="00:37:14:22" style="basic" region="rollup2">leaves her own insurance to</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:37:17:20" begin="00:37:16:03" style="basic" region="rollup2">consider.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:37:19:05" begin="00:37:17:20" style="basic" region="rollup2">>> I have to make sure that I</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:37:21:17" begin="00:37:19:05" style="basic" region="rollup2">have planning in for my</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:37:24:02" begin="00:37:21:17" style="basic" region="rollup2">financial ability to purchase</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:37:26:08" begin="00:37:24:02" style="basic" region="rollup2">these plans.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:37:29:00" begin="00:37:26:08" style="basic" region="rollup2">>> McElhaney says she pays $544</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:37:30:14" begin="00:37:29:00" style="basic" region="rollup2">in monthly premiums for the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:37:32:05" begin="00:37:30:14" style="basic" region="rollup2">state high risk plan, plus</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:37:34:25" begin="00:37:32:05" style="basic" region="rollup2">deductibles and drug co-pays.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:37:36:16" begin="00:37:34:25" style="basic" region="rollup2">Totally, she says,</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:37:39:11" begin="00:37:36:16" style="basic" region="rollup2">about $10,600 a year.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:37:40:21" begin="00:37:39:11" style="basic" region="rollup2">Bypassing the website and going</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:37:42:14" begin="00:37:40:21" style="basic" region="rollup2">directly to a private</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:37:44:19" begin="00:37:42:14" style="basic" region="rollup2">marketplace insurer, she's found</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:37:46:12" begin="00:37:44:19" style="basic" region="rollup2">a mid-tier plan putting her</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:37:49:14" begin="00:37:46:12" style="basic" region="rollup2">premium at about $445 a month</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:37:51:05" begin="00:37:49:14" style="basic" region="rollup2">after a subsidy with additional</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:37:53:21" begin="00:37:51:05" style="basic" region="rollup2">deductibles and co-pays.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:37:55:16" begin="00:37:53:21" style="basic" region="rollup2">But under the law it cannot</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:37:57:18" begin="00:37:55:16" style="basic" region="rollup2">exceed the out of pocket maximum</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:01:14" begin="00:37:57:18" style="basic" region="rollup2">of $6350 a year after premiums.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:03:10" begin="00:38:01:14" style="basic" region="rollup2">So, she figures the Marketplace</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:38:04:24" begin="00:38:03:10" style="basic" region="rollup2">plan will cost her about</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:38:07:05" begin="00:38:04:24" style="basic" region="rollup2">$11,600.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:08:13" begin="00:38:07:05" style="basic" region="rollup2">>> I was hoping it was going to</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:38:10:04" begin="00:38:08:13" style="basic" region="rollup2">be affordable.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:38:12:13" begin="00:38:10:04" style="basic" region="rollup2">I was really actually very</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:38:14:28" begin="00:38:12:13" style="basic" region="rollup2">excited because I thought, okay,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:38:17:14" begin="00:38:14:28" style="basic" region="rollup2">now we all can get into a big</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:38:19:21" begin="00:38:17:14" style="basic" region="rollup2">group, and we all can help</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:38:22:20" begin="00:38:19:21" style="basic" region="rollup2">minimize the risk for everybody.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:38:24:14" begin="00:38:22:20" style="basic" region="rollup2">>> In the end, McElhaney says</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:38:26:00" begin="00:38:24:14" style="basic" region="rollup2">she's relieved her new plan</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:38:27:25" begin="00:38:26:00" style="basic" region="rollup2">would only cost $1,000 more</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:38:30:15" begin="00:38:27:25" style="basic" region="rollup2">next year.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:38:33:19" begin="00:38:32:12" style="basic" region="rollup2">>> We're going to hear from each</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:38:34:27" begin="00:38:33:19" style="basic" region="rollup2">of our panelists now, and I'm</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:36:06" begin="00:38:34:27" style="basic" region="rollup2">going to have each of them give</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:38:38:02" begin="00:38:36:06" style="basic" region="rollup2">their short presentations and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:38:39:25" begin="00:38:38:02" style="basic" region="rollup2">then at the conclusion we will</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:41:24" begin="00:38:39:25" style="basic" region="rollup2">take your questions and address</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:43:22" begin="00:38:41:24" style="basic" region="rollup2">those issues of concern to you.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:38:45:12" begin="00:38:43:22" style="basic" region="rollup2">And please, panelists, feel free</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:46:20" begin="00:38:45:12" style="basic" region="rollup2">to address any of the issues in</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:38:48:06" begin="00:38:46:20" style="basic" region="rollup2">either of the videos regarding</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:38:49:16" begin="00:38:48:06" style="basic" region="rollup2">the Young Invincibles or</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:38:51:01" begin="00:38:49:16" style="basic" region="rollup2">BadgerCare or anything that's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:38:52:07" begin="00:38:51:01" style="basic" region="rollup2">already been brought up from the</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:38:53:18" begin="00:38:52:07" style="basic" region="rollup2">audience.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:38:55:07" begin="00:38:53:18" style="basic" region="rollup2">And I'm going to begin with you</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:38:56:19" begin="00:38:55:07" style="basic" region="rollup2">John Meurer.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:38:57:23" begin="00:38:56:19" style="basic" region="rollup2">Let me introduce John Meurer</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:38:59:13" begin="00:38:57:23" style="basic" region="rollup2">to you.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:39:00:24" begin="00:38:59:13" style="basic" region="rollup2">He is a professor and director</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:39:02:14" begin="00:39:00:24" style="basic" region="rollup2">of the Institute for Health and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:39:04:01" begin="00:39:02:14" style="basic" region="rollup2">Society, the Medical College of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:39:05:07" begin="00:39:04:01" style="basic" region="rollup2">Wisconsin Department of</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:39:07:17" begin="00:39:05:07" style="basic" region="rollup2">Population Health Sciences.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:39:09:03" begin="00:39:07:17" style="basic" region="rollup2">John studied liberal arts and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:39:11:01" begin="00:39:09:03" style="basic" region="rollup2">sciences at Marquette, attended</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:39:13:10" begin="00:39:11:01" style="basic" region="rollup2">UW Med School, and trained in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:39:16:04" begin="00:39:13:10" style="basic" region="rollup2">pediatrics at Baylor in Houston.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:39:17:29" begin="00:39:16:04" style="basic" region="rollup2">He earned an MBA</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:39:19:11" begin="00:39:17:29" style="basic" region="rollup2">in Health Systems Management</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:39:20:14" begin="00:39:19:11" style="basic" region="rollup2">at Northwestern.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:39:21:14" begin="00:39:20:14" style="basic" region="rollup2">You've been all over the place.</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:39:22:20" begin="00:39:21:14" style="basic" region="rollup2">My goodness.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:39:25:03" begin="00:39:22:20" style="basic" region="rollup2">In 1994, you joined the MCW</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:39:26:24" begin="00:39:25:03" style="basic" region="rollup2">pediatric faculty as a clinician</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:39:28:07" begin="00:39:26:24" style="basic" region="rollup2">educator and outcomes</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:39:29:17" begin="00:39:28:07" style="basic" region="rollup2">researcher.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:39:31:09" begin="00:39:29:17" style="basic" region="rollup2">You served on Governor Doyle's</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:39:34:05" begin="00:39:31:09" style="basic" region="rollup2">Public Health Council and as a</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:39:35:28" begin="00:39:34:05" style="basic" region="rollup2">PI of a Healthier Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:39:37:21" begin="00:39:35:28" style="basic" region="rollup2">Partnership Program Initiative</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:39:39:22" begin="00:39:37:21" style="basic" region="rollup2">with covering kids and families</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:39:41:12" begin="00:39:39:22" style="basic" region="rollup2">of Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:39:42:19" begin="00:39:41:12" style="basic" region="rollup2">John is a volunteer for the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:39:44:01" begin="00:39:42:19" style="basic" region="rollup2">nonprofit Common Ground</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:39:45:20" begin="00:39:44:01" style="basic" region="rollup2">Healthcare Cooperative.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:39:47:03" begin="00:39:45:20" style="basic" region="rollup2">A warm welcome, please,</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:39:48:13" begin="00:39:47:03" style="basic" region="rollup2">to John Meurer.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:39:51:10" begin="00:39:48:13" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:39:57:14" begin="00:39:55:08" style="basic" region="rollup2">>> I'm going to present the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:39:58:24" begin="00:39:57:14" style="basic" region="rollup2">four goals of our healthcare</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:40:01:07" begin="00:39:58:24" style="basic" region="rollup2">system.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:40:03:14" begin="00:40:01:07" style="basic" region="rollup2">Improving access, improving</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:40:05:22" begin="00:40:03:14" style="basic" region="rollup2">quality, containing costs, and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:09:05" begin="00:40:05:22" style="basic" region="rollup2">improving population health.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:40:13:05" begin="00:40:09:05" style="basic" region="rollup2">First, the Affordable Care Act</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:40:15:15" begin="00:40:13:05" style="basic" region="rollup2">will eventually improve access</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:40:17:26" begin="00:40:15:15" style="basic" region="rollup2">to affordable health insurance</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:19:16" begin="00:40:17:26" style="basic" region="rollup2">coverage for millions in the</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:40:21:09" begin="00:40:19:16" style="basic" region="rollup2">United States.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:40:23:06" begin="00:40:21:09" style="basic" region="rollup2">These are some ambitious</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:40:24:29" begin="00:40:23:06" style="basic" region="rollup2">national coverage goals for</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:40:27:11" begin="00:40:24:29" style="basic" region="rollup2">2014.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:29:06" begin="00:40:27:11" style="basic" region="rollup2">To have Marketplace as fully</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:40:31:05" begin="00:40:29:06" style="basic" region="rollup2">operational by mid December so</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:40:33:15" begin="00:40:31:05" style="basic" region="rollup2">every eligible person can enroll</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:40:35:19" begin="00:40:33:15" style="basic" region="rollup2">To have the uninsured and those</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:40:37:11" begin="00:40:35:19" style="basic" region="rollup2">with high out of pocket costs</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:40:39:10" begin="00:40:37:11" style="basic" region="rollup2">down by five million.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:41:01" begin="00:40:39:10" style="basic" region="rollup2">To have seven million people</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:40:42:24" begin="00:40:41:01" style="basic" region="rollup2">enroll in private plans and</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:40:44:24" begin="00:40:42:24" style="basic" region="rollup2">nine million in Medicaid.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:40:46:13" begin="00:40:44:24" style="basic" region="rollup2">And to have the uninsured</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:40:47:17" begin="00:40:46:13" style="basic" region="rollup2">decrease by 13 million.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:49:03" begin="00:40:47:17" style="basic" region="rollup2">Particular challenges in the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:51:10" begin="00:40:49:03" style="basic" region="rollup2">southern part of our country</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:40:53:07" begin="00:40:51:10" style="basic" region="rollup2">where 18%-24% of people are</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:55:05" begin="00:40:53:07" style="basic" region="rollup2">uninsured, and most of those</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:40:56:27" begin="00:40:55:05" style="basic" region="rollup2">southern states are not</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:40:59:18" begin="00:40:56:27" style="basic" region="rollup2">expanding Medicaid coverage.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:41:01:15" begin="00:40:59:18" style="basic" region="rollup2">This is a list of the 10</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:03:08" begin="00:41:01:15" style="basic" region="rollup2">essential health benefits in the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:05:03" begin="00:41:03:08" style="basic" region="rollup2">federal facilitated marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:41:06:16" begin="00:41:05:03" style="basic" region="rollup2">No matter what plan you enroll</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:41:08:10" begin="00:41:06:16" style="basic" region="rollup2">in, those are guaranteed.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:41:10:01" begin="00:41:08:10" style="basic" region="rollup2">Many current individual and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:11:20" begin="00:41:10:01" style="basic" region="rollup2">small business health plans lack</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:41:13:11" begin="00:41:11:20" style="basic" region="rollup2">coverage of these benefits, and</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:41:14:27" begin="00:41:13:11" style="basic" region="rollup2">in particular the red</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:41:16:11" begin="00:41:14:27" style="basic" region="rollup2">highlighted areas.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:41:17:28" begin="00:41:16:11" style="basic" region="rollup2">Behavioral health and substance</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:41:20:09" begin="00:41:17:28" style="basic" region="rollup2">abuse, rehab therapies,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:41:22:01" begin="00:41:20:09" style="basic" region="rollup2">preventive and chronic care</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:41:23:17" begin="00:41:22:01" style="basic" region="rollup2">condition treatment, and for</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:41:25:01" begin="00:41:23:17" style="basic" region="rollup2">children dental and vision</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:41:26:11" begin="00:41:25:01" style="basic" region="rollup2">coverage.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:41:27:24" begin="00:41:26:11" style="basic" region="rollup2">These are additional services</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:29:05" begin="00:41:27:24" style="basic" region="rollup2">that many people currently can't</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:41:30:24" begin="00:41:29:05" style="basic" region="rollup2">get but will get through the</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:41:32:25" begin="00:41:30:24" style="basic" region="rollup2">exchange.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:34:13" begin="00:41:32:25" style="basic" region="rollup2">The Affordable Care Act premiums</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:41:36:16" begin="00:41:34:13" style="basic" region="rollup2">and cost sharing, the cost</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:41:38:19" begin="00:41:36:16" style="basic" region="rollup2">sharing, the premium benefits</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:41:11" begin="00:41:38:19" style="basic" region="rollup2">are really with the silver plan.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:41:43:24" begin="00:41:41:11" style="basic" region="rollup2">So, you can see in the blue</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:41:45:19" begin="00:41:43:24" style="basic" region="rollup2">line, the first column is</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:41:48:04" begin="00:41:45:19" style="basic" region="rollup2">household, then annual income,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:41:50:15" begin="00:41:48:04" style="basic" region="rollup2">federal poverty level, premium</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:41:52:09" begin="00:41:50:15" style="basic" region="rollup2">as percent of income, the ACA</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:41:54:17" begin="00:41:52:09" style="basic" region="rollup2">monthly premium, and the maximum</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:41:56:22" begin="00:41:54:17" style="basic" region="rollup2">out of pocket cost.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:41:58:08" begin="00:41:56:22" style="basic" region="rollup2">It varies whether it's an</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:42:00:09" begin="00:41:58:08" style="basic" region="rollup2">individual or a family I want to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:42:01:28" begin="00:42:00:09" style="basic" region="rollup2">highlight in particular that</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:42:03:26" begin="00:42:01:28" style="basic" region="rollup2">121.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:42:06:15" begin="00:42:03:26" style="basic" region="rollup2">If a premium is $440, that's</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:42:08:11" begin="00:42:06:15" style="basic" region="rollup2">actually the second lowest</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:42:10:13" begin="00:42:08:11" style="basic" region="rollup2">silver plan for a 50-year-old</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:42:12:00" begin="00:42:10:13" style="basic" region="rollup2">in Milwaukee.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:42:13:00" begin="00:42:12:00" style="basic" region="rollup2">It depends on age, gender, and</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:42:14:03" begin="00:42:13:00" style="basic" region="rollup2">location.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:42:16:28" begin="00:42:14:03" style="basic" region="rollup2">That's the actual amount.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:42:18:19" begin="00:42:16:28" style="basic" region="rollup2">The individual at that income</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:42:21:07" begin="00:42:18:19" style="basic" region="rollup2">level of $23,000 per year will</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:42:25:08" begin="00:42:21:07" style="basic" region="rollup2">actually pay $121 monthly.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:42:28:05" begin="00:42:25:08" style="basic" region="rollup2">The fed will pay a $319 subsidy</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:42:30:05" begin="00:42:28:05" style="basic" region="rollup2">to cover that $440,</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:42:31:22" begin="00:42:30:05" style="basic" region="rollup2">and the fed will pay</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:42:34:03" begin="00:42:31:22" style="basic" region="rollup2">directly to the insurer.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:42:38:19" begin="00:42:34:03" style="basic" region="rollup2">There's 550,000 or about 10% of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:42:40:22" begin="00:42:38:19" style="basic" region="rollup2">our population in Wisconsin who</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:42:42:09" begin="00:42:40:22" style="basic" region="rollup2">are uninsured.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:42:44:00" begin="00:42:42:09" style="basic" region="rollup2">300,000 in Wisconsin will be</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:42:45:22" begin="00:42:44:00" style="basic" region="rollup2">eligible for a premium tax</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:42:47:04" begin="00:42:45:22" style="basic" region="rollup2">credit.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:42:49:00" begin="00:42:47:04" style="basic" region="rollup2">It will depend on their income.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:42:51:10" begin="00:42:49:00" style="basic" region="rollup2">But the law is a compromise.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:42:54:06" begin="00:42:51:10" style="basic" region="rollup2">For some uninsured, the premium</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:42:56:18" begin="00:42:54:06" style="basic" region="rollup2">is still too high and</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:42:58:20" begin="00:42:56:18" style="basic" region="rollup2">unaffordable, but for some</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:43:00:14" begin="00:42:58:20" style="basic" region="rollup2">taxpayers, that subsidy is too</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:43:02:10" begin="00:43:00:14" style="basic" region="rollup2">high and unaffordable.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:43:05:02" begin="00:43:02:10" style="basic" region="rollup2">It's a compromise.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:43:07:03" begin="00:43:05:02" style="basic" region="rollup2">Second, I want to talk a bit</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:43:09:04" begin="00:43:07:03" style="basic" region="rollup2">about quality of care.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:43:11:04" begin="00:43:09:04" style="basic" region="rollup2">When you get health insurance,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:43:12:23" begin="00:43:11:04" style="basic" region="rollup2">what service do you get of high</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:43:15:05" begin="00:43:12:23" style="basic" region="rollup2">quality?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:43:16:21" begin="00:43:15:05" style="basic" region="rollup2">The Institute of Medicine came</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:43:18:10" begin="00:43:16:21" style="basic" region="rollup2">out a report with a six list of</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:43:19:20" begin="00:43:18:10" style="basic" region="rollup2">domains.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:43:21:01" begin="00:43:19:20" style="basic" region="rollup2">These are really the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:43:22:15" begin="00:43:21:01" style="basic" region="rollup2">responsibility of us physicians,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:43:24:08" begin="00:43:22:15" style="basic" region="rollup2">nurses, hospitals, and other</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:43:25:12" begin="00:43:24:08" style="basic" region="rollup2">healthcare professionals to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:43:29:05" begin="00:43:25:12" style="basic" region="rollup2">ensure you get quality care.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:43:32:03" begin="00:43:29:05" style="basic" region="rollup2">Third, I want to spend a good</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:43:34:02" begin="00:43:32:03" style="basic" region="rollup2">deal of time on cost because the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:43:36:06" begin="00:43:34:02" style="basic" region="rollup2">greatest challenge we face is</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:43:37:29" begin="00:43:36:06" style="basic" region="rollup2">the cost escalation for</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:43:40:11" begin="00:43:37:29" style="basic" region="rollup2">healthcare services.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:43:42:07" begin="00:43:40:11" style="basic" region="rollup2">I'll summarize the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:43:44:01" begin="00:43:42:07" style="basic" region="rollup2">recommendations that are common</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:43:45:25" begin="00:43:44:01" style="basic" region="rollup2">to these seven proposals from</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:43:47:15" begin="00:43:45:25" style="basic" region="rollup2">diverse groups across our</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:43:49:04" begin="00:43:47:15" style="basic" region="rollup2">country.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:43:51:03" begin="00:43:49:04" style="basic" region="rollup2">Multiple approaches are much</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:43:52:26" begin="00:43:51:03" style="basic" region="rollup2">more likely to succeed in</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:43:54:21" begin="00:43:52:26" style="basic" region="rollup2">containing cost than any single</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:43:57:12" begin="00:43:54:21" style="basic" region="rollup2">one of these recommendations.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:44:00:27" begin="00:43:57:12" style="basic" region="rollup2">First is payment improvements</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:44:02:29" begin="00:44:00:27" style="basic" region="rollup2">and realigned incentives to</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:44:05:04" begin="00:44:02:29" style="basic" region="rollup2">contain costs.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:44:06:24" begin="00:44:05:04" style="basic" region="rollup2">And some good examples are the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:44:08:23" begin="00:44:06:24" style="basic" region="rollup2">Medicare sustainable growth rate</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:44:10:15" begin="00:44:08:23" style="basic" region="rollup2">and getting that closer to the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:44:12:20" begin="00:44:10:15" style="basic" region="rollup2">increase in consumer price</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="00:44:14:00" begin="00:44:12:20" style="basic" region="rollup2">index.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:44:15:12" begin="00:44:14:00" style="basic" region="rollup2">Maybe a percent or two above</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:44:16:26" begin="00:44:15:12" style="basic" region="rollup2">that.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:44:18:13" begin="00:44:16:26" style="basic" region="rollup2">Medicare advantage, private</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:44:20:02" begin="00:44:18:13" style="basic" region="rollup2">advantage care plans.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:44:21:15" begin="00:44:20:02" style="basic" region="rollup2">Alternatives to fee for service</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:44:22:28" begin="00:44:21:15" style="basic" region="rollup2">payments, which is incentive to</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:44:24:11" begin="00:44:22:28" style="basic" region="rollup2">do more.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:44:25:19" begin="00:44:24:11" style="basic" region="rollup2">Supporting more primary care.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:44:27:04" begin="00:44:25:19" style="basic" region="rollup2">The majority of practitioners in</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:44:28:18" begin="00:44:27:04" style="basic" region="rollup2">Europe are primary care; the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:44:30:01" begin="00:44:28:18" style="basic" region="rollup2">majority in the US are</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:44:31:15" begin="00:44:30:01" style="basic" region="rollup2">specialists.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:44:34:12" begin="00:44:31:15" style="basic" region="rollup2">And promoting high quality care.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:44:37:17" begin="00:44:34:12" style="basic" region="rollup2">A second approach is delivery</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:44:40:08" begin="00:44:37:17" style="basic" region="rollup2">and other health system reforms.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:44:41:27" begin="00:44:40:08" style="basic" region="rollup2">These are things like medical</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:44:43:15" begin="00:44:41:27" style="basic" region="rollup2">homes and teen-based care and</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:44:44:27" begin="00:44:43:15" style="basic" region="rollup2">care coordination and case</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:44:46:05" begin="00:44:44:27" style="basic" region="rollup2">management.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:44:47:17" begin="00:44:46:05" style="basic" region="rollup2">Accountable care organizations</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:44:49:01" begin="00:44:47:17" style="basic" region="rollup2">where hospitals, doctors, and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:44:50:19" begin="00:44:49:01" style="basic" region="rollup2">sometimes health plans work</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:44:52:22" begin="00:44:50:19" style="basic" region="rollup2">together to coordinate services.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:44:54:06" begin="00:44:52:22" style="basic" region="rollup2">State innovation to improve</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:44:55:28" begin="00:44:54:06" style="basic" region="rollup2">quality and reducing costs,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:44:57:14" begin="00:44:55:28" style="basic" region="rollup2">using electronic medical</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:44:58:29" begin="00:44:57:14" style="basic" region="rollup2">records, administrative</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:45:00:13" begin="00:44:58:29" style="basic" region="rollup2">simplification of forms, and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:45:02:18" begin="00:45:00:13" style="basic" region="rollup2">medical malpractice reform.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:45:04:03" begin="00:45:02:18" style="basic" region="rollup2">All of these are things</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:45:05:21" begin="00:45:04:03" style="basic" region="rollup2">recommended as cost containment</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:45:07:02" begin="00:45:05:21" style="basic" region="rollup2">measures.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:45:08:24" begin="00:45:07:02" style="basic" region="rollup2">And finally, improving quality,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:45:10:10" begin="00:45:08:24" style="basic" region="rollup2">promoting market competition,</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:45:12:09" begin="00:45:10:10" style="basic" region="rollup2">and setting targets.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:45:13:26" begin="00:45:12:09" style="basic" region="rollup2">You can see the trend over the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:45:16:21" begin="00:45:13:26" style="basic" region="rollup2">last decade in cost increases.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:19:06" begin="00:45:16:21" style="basic" region="rollup2">Patient and consumer engagement,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:45:21:04" begin="00:45:19:06" style="basic" region="rollup2">price and quality transparency,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:45:23:00" begin="00:45:21:04" style="basic" region="rollup2">new Medicare options for</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:45:24:24" begin="00:45:23:00" style="basic" region="rollup2">beneficiaries, affordable cost</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:45:26:19" begin="00:45:24:24" style="basic" region="rollup2">sharing and premiums, high</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:28:22" begin="00:45:26:19" style="basic" region="rollup2">quality low cost health plans in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:30:21" begin="00:45:28:22" style="basic" region="rollup2">state marketplaces, and spending</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:45:32:05" begin="00:45:30:21" style="basic" region="rollup2">targets are a number of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:34:06" begin="00:45:32:05" style="basic" region="rollup2">proposals to try to get at cost.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:35:23" begin="00:45:34:06" style="basic" region="rollup2">All of these things together are</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:45:37:22" begin="00:45:35:23" style="basic" region="rollup2">strategies to try to get cost</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:45:40:15" begin="00:45:37:22" style="basic" region="rollup2">under control in our country.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:45:42:24" begin="00:45:40:15" style="basic" region="rollup2">I want to finish with focusing</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:45:45:05" begin="00:45:42:24" style="basic" region="rollup2">on the triple aim.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:47:10" begin="00:45:45:05" style="basic" region="rollup2">This is about population health.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:45:49:12" begin="00:45:47:10" style="basic" region="rollup2">We all want an excellent</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:45:51:18" begin="00:45:49:12" style="basic" region="rollup2">experience of patient care.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:53:20" begin="00:45:51:18" style="basic" region="rollup2">That's part of good quality, but</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:45:55:10" begin="00:45:53:20" style="basic" region="rollup2">a second important part is</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:45:56:23" begin="00:45:55:10" style="basic" region="rollup2">having good population health</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:45:58:03" begin="00:45:56:23" style="basic" region="rollup2">outcomes.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:45:59:25" begin="00:45:58:03" style="basic" region="rollup2">For the county in this community</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:46:01:26" begin="00:45:59:25" style="basic" region="rollup2">to have obesity rates going</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:04:00" begin="00:46:01:26" style="basic" region="rollup2">down, not only for individuals</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:46:05:26" begin="00:46:04:00" style="basic" region="rollup2">and families, and at the same</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:46:07:17" begin="00:46:05:26" style="basic" region="rollup2">time controlling per capita</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:46:09:09" begin="00:46:07:17" style="basic" region="rollup2">costs, this is really the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:46:10:29" begin="00:46:09:09" style="basic" region="rollup2">responsibility of integrated</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:46:12:13" begin="00:46:10:29" style="basic" region="rollup2">organizations thinking about how</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:14:17" begin="00:46:12:13" style="basic" region="rollup2">to think about individuals and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:46:17:03" begin="00:46:14:17" style="basic" region="rollup2">populations in cost management.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:19:26" begin="00:46:17:03" style="basic" region="rollup2">The Center for Disease Control</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:46:21:18" begin="00:46:19:26" style="basic" region="rollup2">using this health pyramid to</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:46:23:14" begin="00:46:21:18" style="basic" region="rollup2">help us understand.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:46:25:12" begin="00:46:23:14" style="basic" region="rollup2">Clinical and educational</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:46:26:27" begin="00:46:25:12" style="basic" region="rollup2">counseling at the very top of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:46:28:25" begin="00:46:26:27" style="basic" region="rollup2">the pyramid requires motivation</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:46:30:12" begin="00:46:28:25" style="basic" region="rollup2">and effort by individual</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:46:31:24" begin="00:46:30:12" style="basic" region="rollup2">patients to change their</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:46:33:06" begin="00:46:31:24" style="basic" region="rollup2">lifestyle.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:46:34:19" begin="00:46:33:06" style="basic" region="rollup2">Lifestyle is the biggest impact</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:46:35:27" begin="00:46:34:19" style="basic" region="rollup2">on our health.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:46:37:26" begin="00:46:35:27" style="basic" region="rollup2">More than medical care.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:46:39:15" begin="00:46:37:26" style="basic" region="rollup2">That means healthy nutrition,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:41:08" begin="00:46:39:15" style="basic" region="rollup2">physical activity, no smoking.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:46:43:16" begin="00:46:41:08" style="basic" region="rollup2">Social policies, on the other</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:46:45:22" begin="00:46:43:16" style="basic" region="rollup2">hand, make it a lot easier to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:46:48:02" begin="00:46:45:22" style="basic" region="rollup2">achieve population health goals.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:46:49:19" begin="00:46:48:02" style="basic" region="rollup2">Things like Head Start</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:51:19" begin="00:46:49:19" style="basic" region="rollup2">education, more bike paths for</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:54:07" begin="00:46:51:19" style="basic" region="rollup2">safe moving around, smoke-free</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:46:57:06" begin="00:46:54:07" style="basic" region="rollup2">buildings, and health insurance</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:46:59:06" begin="00:46:57:06" style="basic" region="rollup2">tax credits and subsidies make</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:47:01:00" begin="00:46:59:06" style="basic" region="rollup2">it more affordable for citizens</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:47:04:00" begin="00:47:01:00" style="basic" region="rollup2">to have access to care.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:47:08:14" begin="00:47:06:19" style="basic" region="rollup2">These are what are called the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:47:10:07" begin="00:47:08:14" style="basic" region="rollup2">six Marmot principles.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:47:11:22" begin="00:47:10:07" style="basic" region="rollup2">Michael Marmot is an</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:47:13:29" begin="00:47:11:22" style="basic" region="rollup2">epidemiologist in the UK, and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:47:16:11" begin="00:47:13:29" style="basic" region="rollup2">he's studied and shown, like</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:47:18:02" begin="00:47:16:11" style="basic" region="rollup2">many others, that there are</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:47:19:24" begin="00:47:18:02" style="basic" region="rollup2">social determinants to health.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:47:21:19" begin="00:47:19:24" style="basic" region="rollup2">In other words, the lower a</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:47:23:06" begin="00:47:21:19" style="basic" region="rollup2">person's social position,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:47:24:27" begin="00:47:23:06" style="basic" region="rollup2">whether it's the UK or the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:47:26:09" begin="00:47:24:27" style="basic" region="rollup2">United States, the worse that</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:47:28:01" begin="00:47:26:09" style="basic" region="rollup2">person's health.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:47:29:23" begin="00:47:28:01" style="basic" region="rollup2">And the lower the median income</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:47:31:05" begin="00:47:29:23" style="basic" region="rollup2">where somebody lives, the more</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:47:32:23" begin="00:47:31:05" style="basic" region="rollup2">predictable of poor health.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:47:34:07" begin="00:47:32:23" style="basic" region="rollup2">It doesn't have to do with</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:47:35:16" begin="00:47:34:07" style="basic" region="rollup2">insurance or medical care</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:47:36:25" begin="00:47:35:16" style="basic" region="rollup2">access.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:47:37:27" begin="00:47:36:25" style="basic" region="rollup2">It has to do with social</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:47:39:24" begin="00:47:37:27" style="basic" region="rollup2">determinants.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:47:41:06" begin="00:47:39:24" style="basic" region="rollup2">These six principles have been</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:47:42:17" begin="00:47:41:06" style="basic" region="rollup2">shown to significantly improve</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:47:44:21" begin="00:47:42:17" style="basic" region="rollup2">community health much more than</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:47:46:15" begin="00:47:44:21" style="basic" region="rollup2">medical care.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:47:48:13" begin="00:47:46:15" style="basic" region="rollup2">So I would be very pleased to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:47:50:11" begin="00:47:48:13" style="basic" region="rollup2">further discuss my comments</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:47:52:00" begin="00:47:50:11" style="basic" region="rollup2">during the question and answer.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:47:54:04" begin="00:47:52:00" style="basic" region="rollup2">Thank you.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:47:56:24" begin="00:47:54:04" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:48:03:16" begin="00:48:01:27" style="basic" region="rollup2">>> One of the areas where there</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:48:05:15" begin="00:48:03:16" style="basic" region="rollup2">is a great deal of confusion</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:48:07:01" begin="00:48:05:15" style="basic" region="rollup2">and misinformation is in the</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:48:08:17" begin="00:48:07:01" style="basic" region="rollup2">business area.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:48:10:07" begin="00:48:08:17" style="basic" region="rollup2">What do employers do?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:48:11:20" begin="00:48:10:07" style="basic" region="rollup2">If you're a small employer or a</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:48:13:07" begin="00:48:11:20" style="basic" region="rollup2">large employer or what counts as</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:48:15:03" begin="00:48:13:07" style="basic" region="rollup2">either/or?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:48:16:19" begin="00:48:15:03" style="basic" region="rollup2">And here to talk to us about one</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:48:18:11" begin="00:48:16:19" style="basic" region="rollup2">of the groups of the businesses</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:48:20:02" begin="00:48:18:11" style="basic" region="rollup2">is Lori Compass.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:48:21:18" begin="00:48:20:02" style="basic" region="rollup2">And Lori Compass is a small</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:48:23:09" begin="00:48:21:18" style="basic" region="rollup2">business owner from</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:48:24:04" begin="00:48:23:09" style="basic" region="rollup2">Fort Atkinson and the executive</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:48:25:05" begin="00:48:24:04" style="basic" region="rollup2">director for the Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:48:26:26" begin="00:48:25:05" style="basic" region="rollup2">Business Alliance.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:48:28:11" begin="00:48:26:26" style="basic" region="rollup2">She has been traveling the state</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:48:30:00" begin="00:48:28:11" style="basic" region="rollup2">this fall talking with local</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:48:31:16" begin="00:48:30:00" style="basic" region="rollup2">chamber of commerce members</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:48:33:21" begin="00:48:31:16" style="basic" region="rollup2">about the Affordable Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:48:35:05" begin="00:48:33:21" style="basic" region="rollup2">And tonight she'll share with us</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:48:36:14" begin="00:48:35:05" style="basic" region="rollup2">some of her experiences of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:48:38:05" begin="00:48:36:14" style="basic" region="rollup2">talking with small town</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:48:40:11" begin="00:48:38:05" style="basic" region="rollup2">Wisconsin business owners.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:48:42:27" begin="00:48:40:11" style="basic" region="rollup2">Lori, welcome.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:48:45:07" begin="00:48:42:27" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:48:50:19" begin="00:48:49:02" style="basic" region="rollup2">>> Our organization represents</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:48:52:09" begin="00:48:50:19" style="basic" region="rollup2">business owners all over</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:48:53:25" begin="00:48:52:09" style="basic" region="rollup2">Wisconsin, most of them small</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:48:55:12" begin="00:48:53:25" style="basic" region="rollup2">business owners, and I've been</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:48:56:25" begin="00:48:55:12" style="basic" region="rollup2">traveling around the state</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:48:58:06" begin="00:48:56:25" style="basic" region="rollup2">talking with chambers of</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:48:59:13" begin="00:48:58:06" style="basic" region="rollup2">commerce and particularly to</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:49:00:20" begin="00:48:59:13" style="basic" region="rollup2">small business owners.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:02:02" begin="00:49:00:20" style="basic" region="rollup2">And the people that I'm talking</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:49:03:12" begin="00:49:02:02" style="basic" region="rollup2">to are actually pretty</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:49:04:20" begin="00:49:03:12" style="basic" region="rollup2">optimistic about this.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:49:05:26" begin="00:49:04:20" style="basic" region="rollup2">I guess you could say cautiously</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:06:29" begin="00:49:05:26" style="basic" region="rollup2">optimistic about the Affordable</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:49:08:07" begin="00:49:06:29" style="basic" region="rollup2">Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:49:09:22" begin="00:49:08:07" style="basic" region="rollup2">A lot of people who have small</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:49:11:06" begin="00:49:09:22" style="basic" region="rollup2">business or who dream of</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:49:12:28" begin="00:49:11:06" style="basic" region="rollup2">starting their small business</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:15:18" begin="00:49:12:28" style="basic" region="rollup2">also have to keep a desk job so</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:49:18:26" begin="00:49:15:18" style="basic" region="rollup2">that they can have insurance.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:49:21:29" begin="00:49:18:26" style="basic" region="rollup2">And so we are optimistic that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:49:24:06" begin="00:49:21:29" style="basic" region="rollup2">being able to get affordable</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:49:25:25" begin="00:49:24:06" style="basic" region="rollup2">insurance through the individual</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:27:28" begin="00:49:25:25" style="basic" region="rollup2">Marketplace or through the SHOP</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:49:30:00" begin="00:49:27:28" style="basic" region="rollup2">Marketplace will free people</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:49:31:26" begin="00:49:30:00" style="basic" region="rollup2">from having to spend eight hours</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:34:00" begin="00:49:31:26" style="basic" region="rollup2">a day at a "real job" and allow</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:49:35:25" begin="00:49:34:00" style="basic" region="rollup2">them to really put everything</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:49:37:05" begin="00:49:35:25" style="basic" region="rollup2">into their small business, put</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:49:38:24" begin="00:49:37:05" style="basic" region="rollup2">everything into their farm.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:49:40:04" begin="00:49:38:24" style="basic" region="rollup2">A lot of us know farm couples</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:42:24" begin="00:49:40:04" style="basic" region="rollup2">where one of the spouses has to</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:49:44:04" begin="00:49:42:24" style="basic" region="rollup2">work in town to keep their</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:49:45:29" begin="00:49:44:04" style="basic" region="rollup2">insurance.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:49:47:21" begin="00:49:45:29" style="basic" region="rollup2">So we think it will lead to more</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:49:49:11" begin="00:49:47:21" style="basic" region="rollup2">freedom for small business</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:49:50:22" begin="00:49:49:11" style="basic" region="rollup2">owners, more security for</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:49:52:02" begin="00:49:50:22" style="basic" region="rollup2">entrepreneurs.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:49:53:13" begin="00:49:52:02" style="basic" region="rollup2">It also helps us level the</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:49:54:21" begin="00:49:53:13" style="basic" region="rollup2">playing field.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:49:56:04" begin="00:49:54:21" style="basic" region="rollup2">A lot of small business owners</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:49:57:17" begin="00:49:56:04" style="basic" region="rollup2">know what it's like to hire and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:49:59:10" begin="00:49:57:17" style="basic" region="rollup2">employee, train them up, and</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:50:01:14" begin="00:49:59:10" style="basic" region="rollup2">then lose them to a larger</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:50:03:03" begin="00:50:01:14" style="basic" region="rollup2">employer that can offer</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:50:04:15" begin="00:50:03:03" style="basic" region="rollup2">insurance.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:50:06:00" begin="00:50:04:15" style="basic" region="rollup2">So we're hoping that small</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:50:07:10" begin="00:50:06:00" style="basic" region="rollup2">business will now be able to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:50:08:20" begin="00:50:07:10" style="basic" region="rollup2">offer the same kind of perks</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:50:10:17" begin="00:50:08:20" style="basic" region="rollup2">that the larger employers do.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:50:12:23" begin="00:50:10:17" style="basic" region="rollup2">So it leads to more options</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:50:14:20" begin="00:50:12:23" style="basic" region="rollup2">regarding health insurance for</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:50:16:05" begin="00:50:14:20" style="basic" region="rollup2">employers.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:50:18:28" begin="00:50:16:05" style="basic" region="rollup2">And those options are, first of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:50:21:14" begin="00:50:18:28" style="basic" region="rollup2">all, small business owners don't</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:50:23:18" begin="00:50:21:14" style="basic" region="rollup2">have to offer insurance at all.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:50:25:12" begin="00:50:23:18" style="basic" region="rollup2">And oftentimes when I go around</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:50:26:20" begin="00:50:25:12" style="basic" region="rollup2">the state, people are really</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:50:28:02" begin="00:50:26:20" style="basic" region="rollup2">surprised to hear this.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:50:29:17" begin="00:50:28:02" style="basic" region="rollup2">They have heard horror stories</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:50:31:00" begin="00:50:29:17" style="basic" region="rollup2">of little mom and pop shops</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:50:33:22" begin="00:50:31:00" style="basic" region="rollup2">having to close down because</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:50:35:29" begin="00:50:33:22" style="basic" region="rollup2">they can't offer insurance to</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:50:37:11" begin="00:50:35:29" style="basic" region="rollup2">their employees.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:50:38:17" begin="00:50:37:11" style="basic" region="rollup2">Well, the truth is they don't</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:50:39:29" begin="00:50:38:17" style="basic" region="rollup2">have to offer insurance to their</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:50:41:07" begin="00:50:39:29" style="basic" region="rollup2">employees.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:50:42:20" begin="00:50:41:07" style="basic" region="rollup2">If they have 50 or fewer</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:50:44:14" begin="00:50:42:20" style="basic" region="rollup2">employees, they don't have to</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:50:46:01" begin="00:50:44:14" style="basic" region="rollup2">offer insurance at all.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:50:47:08" begin="00:50:46:01" style="basic" region="rollup2">Those employees can go on the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:50:48:24" begin="00:50:47:08" style="basic" region="rollup2">individual Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:50:50:15" begin="00:50:48:24" style="basic" region="rollup2">So that is my main point that I</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:50:52:03" begin="00:50:50:15" style="basic" region="rollup2">hope you take away from this.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:50:53:12" begin="00:50:52:03" style="basic" region="rollup2">If you own a small business or</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:50:54:18" begin="00:50:53:12" style="basic" region="rollup2">you have a friend who owns a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:50:56:03" begin="00:50:54:18" style="basic" region="rollup2">small business, if they employ</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:50:57:22" begin="00:50:56:03" style="basic" region="rollup2">fewer than 50 full time</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:50:59:11" begin="00:50:57:22" style="basic" region="rollup2">equivalent employees, they don't</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:01:06" begin="00:50:59:11" style="basic" region="rollup2">have to offer insurance at all.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:51:03:19" begin="00:51:01:06" style="basic" region="rollup2">If they do currently offer</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:51:05:08" begin="00:51:03:19" style="basic" region="rollup2">insurance, they can keep their</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:51:06:27" begin="00:51:05:08" style="basic" region="rollup2">current insurance or they can</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:51:08:28" begin="00:51:06:27" style="basic" region="rollup2">buy coverage in the new SHOP</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:51:10:12" begin="00:51:08:28" style="basic" region="rollup2">Marketplace, which I'll talk</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:51:11:20" begin="00:51:10:12" style="basic" region="rollup2">about more.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:51:13:04" begin="00:51:11:20" style="basic" region="rollup2">So that SHOP Marketplace, the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:51:14:19" begin="00:51:13:04" style="basic" region="rollup2">new Marketplace that's part of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:16:02" begin="00:51:14:19" style="basic" region="rollup2">healthcare.gov, is a new option</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:51:18:02" begin="00:51:16:02" style="basic" region="rollup2">for small employers.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:51:19:23" begin="00:51:18:02" style="basic" region="rollup2">It is not a requirement.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:51:21:18" begin="00:51:19:23" style="basic" region="rollup2">So, what does that shop look</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:51:23:09" begin="00:51:21:18" style="basic" region="rollup2">like?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:51:24:29" begin="00:51:23:09" style="basic" region="rollup2">SHOP stands for Small business</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:51:26:20" begin="00:51:24:29" style="basic" region="rollup2">Health Options Program.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:51:28:17" begin="00:51:26:20" style="basic" region="rollup2">It's an online marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:51:30:10" begin="00:51:28:17" style="basic" region="rollup2">It offers standard coverage at</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:51:31:29" begin="00:51:30:10" style="basic" region="rollup2">various levels, just like the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:51:33:06" begin="00:51:31:29" style="basic" region="rollup2">individual Marketplace,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:51:34:16" begin="00:51:33:06" style="basic" region="rollup2">platinum, gold, silver, and</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:51:35:22" begin="00:51:34:16" style="basic" region="rollup2">bronze.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:51:37:17" begin="00:51:35:22" style="basic" region="rollup2">And, by the way, those metal</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:39:03" begin="00:51:37:17" style="basic" region="rollup2">levels are not an indication of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:40:14" begin="00:51:39:03" style="basic" region="rollup2">the quality of care that people</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:51:42:05" begin="00:51:40:14" style="basic" region="rollup2">will receive.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:51:43:19" begin="00:51:42:05" style="basic" region="rollup2">If you get a bronze plan that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:45:04" begin="00:51:43:19" style="basic" region="rollup2">doesn't mean you have to go to,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:46:23" begin="00:51:45:04" style="basic" region="rollup2">like, Joe's Hip Replacement and</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:51:49:00" begin="00:51:46:23" style="basic" region="rollup2">Small Engine Repair.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:51:50:11" begin="00:51:49:00" style="basic" region="rollup2">You can go to a normal hospital</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:51:52:07" begin="00:51:50:11" style="basic" region="rollup2">and everything.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:51:54:08" begin="00:51:52:07" style="basic" region="rollup2">Those metal levels are a</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:51:56:00" begin="00:51:54:08" style="basic" region="rollup2">reflection of the plan's</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:51:57:28" begin="00:51:56:00" style="basic" region="rollup2">actuarial value.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:51:59:12" begin="00:51:57:28" style="basic" region="rollup2">So a bronze plan, for example,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:52:00:25" begin="00:51:59:12" style="basic" region="rollup2">would have an actuarial value of</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:52:02:21" begin="00:52:00:25" style="basic" region="rollup2">60%.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:04:20" begin="00:52:02:21" style="basic" region="rollup2">Whereas, a platinum level plan</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:52:05:25" begin="00:52:04:20" style="basic" region="rollup2">would have an actuarial value of</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:52:06:25" begin="00:52:05:25" style="basic" region="rollup2">90%.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:52:08:11" begin="00:52:06:25" style="basic" region="rollup2">It's much more generous, there's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:52:10:09" begin="00:52:08:11" style="basic" region="rollup2">much less out of pocket expense.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:52:12:08" begin="00:52:10:09" style="basic" region="rollup2">So this allows employers to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:52:14:08" begin="00:52:12:08" style="basic" region="rollup2">compare apples to apples when</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:52:15:17" begin="00:52:14:08" style="basic" region="rollup2">they're looking at health</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:52:16:22" begin="00:52:15:17" style="basic" region="rollup2">insurance plans for their</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:52:17:27" begin="00:52:16:22" style="basic" region="rollup2">employees, and that's something</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:52:19:06" begin="00:52:17:27" style="basic" region="rollup2">that has not been easy to do up</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:52:21:13" begin="00:52:19:06" style="basic" region="rollup2">until now.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:22:22" begin="00:52:21:13" style="basic" region="rollup2">Who is eligible to participate</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:52:24:08" begin="00:52:22:22" style="basic" region="rollup2">in SHOP?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:25:28" begin="00:52:24:08" style="basic" region="rollup2">It's open to employers with 50</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:52:28:00" begin="00:52:25:28" style="basic" region="rollup2">or fewer FTEs, that's full time</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:29:12" begin="00:52:28:00" style="basic" region="rollup2">equivalent employees, and it's</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:52:32:23" begin="00:52:29:12" style="basic" region="rollup2">kind of complicated,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:34:10" begin="00:52:32:23" style="basic" region="rollup2">particularly here in Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:52:35:21" begin="00:52:34:10" style="basic" region="rollup2">where we have a lot of seasonal</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:52:36:27" begin="00:52:35:21" style="basic" region="rollup2">employees.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:52:38:02" begin="00:52:36:27" style="basic" region="rollup2">Farms might employ seasonal</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:52:39:10" begin="00:52:38:02" style="basic" region="rollup2">workers.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:52:41:12" begin="00:52:39:10" style="basic" region="rollup2">A snow plow operating company</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:43:11" begin="00:52:41:12" style="basic" region="rollup2">might employ seasonal workers.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:46:27" begin="00:52:43:11" style="basic" region="rollup2">So there's a form that I found</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:52:48:12" begin="00:52:46:27" style="basic" region="rollup2">actually in Illinois that is the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:52:50:03" begin="00:52:48:12" style="basic" region="rollup2">best form that I found.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:51:12" begin="00:52:50:03" style="basic" region="rollup2">If anybody finds a better one,</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:52:52:12" begin="00:52:51:12" style="basic" region="rollup2">let me know.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:52:53:05" begin="00:52:52:12" style="basic" region="rollup2">And I linked to it from our</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:52:54:13" begin="00:52:53:05" style="basic" region="rollup2">website</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:52:56:09" begin="00:52:54:13" style="basic" region="rollup2">WisconsinBusinessAlliance.com/</p> <p tts:origin="10% 84.66%" tts:extent="7.5% 5.33%" end="00:52:57:26" begin="00:52:56:09" style="basic" region="rollup2">ACA</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:52:58:19" begin="00:52:57:26" style="basic" region="rollup2">So you can go on there and it</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:00:07" begin="00:52:58:19" style="basic" region="rollup2">allows you to calculate month by</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:53:01:25" begin="00:53:00:07" style="basic" region="rollup2">month how many people you</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:53:03:13" begin="00:53:01:25" style="basic" region="rollup2">employ, how many hours you pay</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:04:29" begin="00:53:03:13" style="basic" region="rollup2">for, and then in the end you can</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:53:06:11" begin="00:53:04:29" style="basic" region="rollup2">get you total so that you know</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:53:07:29" begin="00:53:06:11" style="basic" region="rollup2">where you fall.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:53:09:19" begin="00:53:07:29" style="basic" region="rollup2">For the vast majority of</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:53:11:11" begin="00:53:09:19" style="basic" region="rollup2">businesses in Wisconsin they</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:53:13:05" begin="00:53:11:11" style="basic" region="rollup2">fall well below 50 full time</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:53:15:15" begin="00:53:13:05" style="basic" region="rollup2">equivalent employees.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:17:19" begin="00:53:15:15" style="basic" region="rollup2">If you are self-employed with no</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:53:19:20" begin="00:53:17:19" style="basic" region="rollup2">employees, you can get coverage</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:53:21:11" begin="00:53:19:20" style="basic" region="rollup2">through the individual</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:22:26" begin="00:53:21:11" style="basic" region="rollup2">healthcare insurance Marketplace</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:53:25:15" begin="00:53:22:26" style="basic" region="rollup2">but not through SHOP.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:53:27:12" begin="00:53:25:15" style="basic" region="rollup2">Now, there are tax credits,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:53:29:01" begin="00:53:27:12" style="basic" region="rollup2">there are deductions, there are</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:53:30:22" begin="00:53:29:01" style="basic" region="rollup2">all kinds of things associated</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:53:32:01" begin="00:53:30:22" style="basic" region="rollup2">with this.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:33:07" begin="00:53:32:01" style="basic" region="rollup2">I'm not going to go into it now,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:34:14" begin="00:53:33:07" style="basic" region="rollup2">it's kind of a general audience,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:53:36:01" begin="00:53:34:14" style="basic" region="rollup2">but as Cori mentioned, we are</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:53:37:29" begin="00:53:36:01" style="basic" region="rollup2">having more of these panels</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:39:22" begin="00:53:37:29" style="basic" region="rollup2">tomorrow, and I'll be on a panel</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:53:41:10" begin="00:53:39:22" style="basic" region="rollup2">that addresses some of this</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:53:43:00" begin="00:53:41:10" style="basic" region="rollup2">stuff more in depth.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:53:44:12" begin="00:53:43:00" style="basic" region="rollup2">So if you're interested in that,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:53:45:25" begin="00:53:44:12" style="basic" region="rollup2">please check the details when</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:53:46:29" begin="00:53:45:25" style="basic" region="rollup2">you go out.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:53:48:09" begin="00:53:46:29" style="basic" region="rollup2">If you have questions about the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:53:49:16" begin="00:53:48:09" style="basic" region="rollup2">SHOP Marketplace for businesses</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:53:50:22" begin="00:53:49:16" style="basic" region="rollup2">with 50 or fewer employees, you</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:53:52:02" begin="00:53:50:22" style="basic" region="rollup2">can call this number or you can</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:53:53:17" begin="00:53:52:02" style="basic" region="rollup2">visit</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:53:55:19" begin="00:53:53:17" style="basic" region="rollup2">healthcare.gov/smallbusiness.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:53:57:01" begin="00:53:55:19" style="basic" region="rollup2">And we have a lot of good</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:53:58:06" begin="00:53:57:01" style="basic" region="rollup2">information on our website.</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:53:58:27" begin="00:53:58:06" style="basic" region="rollup2">Again that's</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:54:01:02" begin="00:53:58:27" style="basic" region="rollup2">WisconsinBusinessAlliance.com/</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:54:03:07" begin="00:54:01:02" style="basic" region="rollup2">ACA.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:54:04:24" begin="00:54:03:07" style="basic" region="rollup2">So, thank you very much.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:54:07:26" begin="00:54:04:24" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="00:54:13:03" begin="00:54:11:25" style="basic" region="rollup2">>> Thank you, Lori.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:54:14:13" begin="00:54:13:03" style="basic" region="rollup2">So the take away, small</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:54:16:12" begin="00:54:14:13" style="basic" region="rollup2">businesses are not mandated to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:54:18:15" begin="00:54:16:12" style="basic" region="rollup2">have insurance, but there are</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:54:20:08" begin="00:54:18:15" style="basic" region="rollup2">some new opportunities available</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:54:22:10" begin="00:54:20:08" style="basic" region="rollup2">to small businesses through the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="00:54:23:24" begin="00:54:22:10" style="basic" region="rollup2">Affordable Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:54:25:04" begin="00:54:23:24" style="basic" region="rollup2">So if you do have a small</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:54:26:20" begin="00:54:25:04" style="basic" region="rollup2">business, it might be good to</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:54:27:26" begin="00:54:26:20" style="basic" region="rollup2">look into it.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:54:29:01" begin="00:54:27:26" style="basic" region="rollup2">But that's a little different</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:54:30:09" begin="00:54:29:01" style="basic" region="rollup2">than large employers.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:54:31:20" begin="00:54:30:09" style="basic" region="rollup2">They are mandated to provide</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:54:33:12" begin="00:54:31:20" style="basic" region="rollup2">insurance, and here to explain</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:54:35:02" begin="00:54:33:12" style="basic" region="rollup2">exactly what that mandate is and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:54:36:23" begin="00:54:35:02" style="basic" region="rollup2">what the little tweaks have been</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:54:38:19" begin="00:54:36:23" style="basic" region="rollup2">to it is someone who is working</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:54:40:18" begin="00:54:38:19" style="basic" region="rollup2">in the field every single day in</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:54:43:17" begin="00:54:40:18" style="basic" region="rollup2">her position, Kerry Arent.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:54:45:15" begin="00:54:43:17" style="basic" region="rollup2">Kerry is the senior vice</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:54:47:06" begin="00:54:45:15" style="basic" region="rollup2">president human resources of</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:54:49:01" begin="00:54:47:06" style="basic" region="rollup2">Appvion, which is formerly</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:54:50:17" begin="00:54:49:01" style="basic" region="rollup2">Appleton Papers.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:54:52:07" begin="00:54:50:17" style="basic" region="rollup2">She has over 25 years of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:54:54:03" begin="00:54:52:07" style="basic" region="rollup2">experience implementing</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:54:55:22" begin="00:54:54:03" style="basic" region="rollup2">healthcare cost management</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:54:57:17" begin="00:54:55:22" style="basic" region="rollup2">strategies, ranging from</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:54:59:17" begin="00:54:57:17" style="basic" region="rollup2">exclusive provider arrangements</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:55:01:17" begin="00:54:59:17" style="basic" region="rollup2">in the 1980s through Appvion's</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:55:03:10" begin="00:55:01:17" style="basic" region="rollup2">most recent efforts focused on</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:55:05:13" begin="00:55:03:10" style="basic" region="rollup2">health improvement and the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:55:07:03" begin="00:55:05:13" style="basic" region="rollup2">implementation of an on-site</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:55:09:05" begin="00:55:07:03" style="basic" region="rollup2">clinic in Appleton, Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:55:11:10" begin="00:55:09:05" style="basic" region="rollup2">Kerry Arent received a</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:55:13:01" begin="00:55:11:10" style="basic" region="rollup2">bachelor's degree in business</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:55:14:21" begin="00:55:13:01" style="basic" region="rollup2">administration human resources</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:55:16:06" begin="00:55:14:21" style="basic" region="rollup2">from the University of Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:55:18:03" begin="00:55:16:06" style="basic" region="rollup2">Oshkosh and holds a senior</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:55:19:23" begin="00:55:18:03" style="basic" region="rollup2">professional human resources</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="00:55:21:13" begin="00:55:19:23" style="basic" region="rollup2">certification.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:55:23:04" begin="00:55:21:13" style="basic" region="rollup2">She also serves on the board of</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:55:24:17" begin="00:55:23:04" style="basic" region="rollup2">directors for Harbor House</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:55:26:03" begin="00:55:24:17" style="basic" region="rollup2">Domestic Abuse Programs and the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:55:27:25" begin="00:55:26:03" style="basic" region="rollup2">Fox Valley Family Practice</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:55:30:05" begin="00:55:27:25" style="basic" region="rollup2">Residency Incorporated</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:55:31:22" begin="00:55:30:05" style="basic" region="rollup2">corporate board.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:55:32:28" begin="00:55:31:22" style="basic" region="rollup2">Welcome, Kerry, and please join</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:55:34:18" begin="00:55:32:28" style="basic" region="rollup2">me in welcoming Kerry.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:55:37:11" begin="00:55:34:18" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:55:43:14" begin="00:55:42:06" style="basic" region="rollup2">>> I think as a large employer,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:55:45:14" begin="00:55:43:14" style="basic" region="rollup2">one of the challenges we have</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:55:47:11" begin="00:55:45:14" style="basic" region="rollup2">is that we typically offer</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:55:49:11" begin="00:55:47:11" style="basic" region="rollup2">a benefit plan, one or two,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:55:51:12" begin="00:55:49:11" style="basic" region="rollup2">maybe three, depending on the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:55:53:00" begin="00:55:51:12" style="basic" region="rollup2">employer, that our employees can</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:55:54:14" begin="00:55:53:00" style="basic" region="rollup2">choose from, but what we're</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:55:56:12" begin="00:55:54:14" style="basic" region="rollup2">really doing is shopping and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:55:58:03" begin="00:55:56:12" style="basic" region="rollup2">buying that plan, designing that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:56:00:03" begin="00:55:58:03" style="basic" region="rollup2">plan, and in what we believe to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:56:01:17" begin="00:56:00:03" style="basic" region="rollup2">be the best interest of our</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:56:02:28" begin="00:56:01:17" style="basic" region="rollup2">employees.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:56:04:14" begin="00:56:02:28" style="basic" region="rollup2">And so the challenge we have</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:06:00" begin="00:56:04:14" style="basic" region="rollup2">with the Affordable Care Act,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:56:07:13" begin="00:56:06:00" style="basic" region="rollup2">like many of you looking at it</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:56:09:09" begin="00:56:07:13" style="basic" region="rollup2">from an individual perspective,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:56:10:17" begin="00:56:09:09" style="basic" region="rollup2">is trying to figure out what it</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:56:12:03" begin="00:56:10:17" style="basic" region="rollup2">all means.</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="00:56:13:13" begin="00:56:12:03" style="basic" region="rollup2">And it's a little</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:56:14:17" begin="00:56:13:13" style="basic" region="rollup2">nerve-wracking, actually, to be</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:56:16:08" begin="00:56:14:17" style="basic" region="rollup2">here as an expert on a panel</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:56:17:22" begin="00:56:16:08" style="basic" region="rollup2">when we're still trying to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:56:19:01" begin="00:56:17:22" style="basic" region="rollup2">figure it out as we go along</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:20:09" begin="00:56:19:01" style="basic" region="rollup2">too, just like everybody else</p> <p tts:origin="10% 84.66%" tts:extent="7.5% 5.33%" end="00:56:21:16" begin="00:56:20:09" style="basic" region="rollup2">is.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:56:23:04" begin="00:56:21:16" style="basic" region="rollup2">So I'll just give you a little</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:56:24:24" begin="00:56:23:04" style="basic" region="rollup2">bit of information that I have</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:26:10" begin="00:56:24:24" style="basic" region="rollup2">on it tonight, and then we'll</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:56:27:27" begin="00:56:26:10" style="basic" region="rollup2">add some more as we go along the</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="00:56:29:17" begin="00:56:27:27" style="basic" region="rollup2">way.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:56:31:02" begin="00:56:29:17" style="basic" region="rollup2">We do have compliance</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="00:56:32:18" begin="00:56:31:02" style="basic" region="rollup2">challenges.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:56:34:07" begin="00:56:32:18" style="basic" region="rollup2">Some of the people have spoke to</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:56:35:25" begin="00:56:34:07" style="basic" region="rollup2">those things already.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:56:37:24" begin="00:56:35:25" style="basic" region="rollup2">The law is very complex.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:56:39:16" begin="00:56:37:24" style="basic" region="rollup2">We all heard about the thousands</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:41:14" begin="00:56:39:16" style="basic" region="rollup2">of pages that were out there.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:56:42:29" begin="00:56:41:14" style="basic" region="rollup2">So we do rely on a lot of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:56:44:11" begin="00:56:42:29" style="basic" region="rollup2">consultants and brokers to help</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:56:46:16" begin="00:56:44:11" style="basic" region="rollup2">interpret that for us.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:56:48:11" begin="00:56:46:16" style="basic" region="rollup2">And I am starting to notice some</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:56:50:11" begin="00:56:48:11" style="basic" region="rollup2">consistency in interpretation,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:51:27" begin="00:56:50:11" style="basic" region="rollup2">but there's still some things</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:53:15" begin="00:56:51:27" style="basic" region="rollup2">out there that we're figuring</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:56:55:06" begin="00:56:53:15" style="basic" region="rollup2">out too because just like the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:56:57:00" begin="00:56:55:06" style="basic" region="rollup2">exchanges didn't open until</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:56:59:09" begin="00:56:57:00" style="basic" region="rollup2">October 1, well that's when some</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:57:01:02" begin="00:56:59:09" style="basic" region="rollup2">of the consultants were seeing</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:57:02:27" begin="00:57:01:02" style="basic" region="rollup2">some of the numbers for the</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:57:04:06" begin="00:57:02:27" style="basic" region="rollup2">first time too.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:57:05:27" begin="00:57:04:06" style="basic" region="rollup2">And the challenge as an employer</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:57:07:05" begin="00:57:05:27" style="basic" region="rollup2">is that most folks will run a</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="00:57:08:28" begin="00:57:07:05" style="basic" region="rollup2">January 1 plan.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:57:10:10" begin="00:57:08:28" style="basic" region="rollup2">Well, that means we're doing our</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:12:04" begin="00:57:10:10" style="basic" region="rollup2">planning in August/September so</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:57:13:21" begin="00:57:12:04" style="basic" region="rollup2">that we can be rolling our</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:57:15:00" begin="00:57:13:21" style="basic" region="rollup2">communications out to our</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:57:16:16" begin="00:57:15:00" style="basic" region="rollup2">employees in October and they</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:57:17:28" begin="00:57:16:16" style="basic" region="rollup2">can be making those selections</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:57:19:09" begin="00:57:17:28" style="basic" region="rollup2">in November.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:57:20:22" begin="00:57:19:09" style="basic" region="rollup2">Well, it's hard to decide what</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:57:22:12" begin="00:57:20:22" style="basic" region="rollup2">to offer if the information</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:57:23:21" begin="00:57:22:12" style="basic" region="rollup2">isn't available.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:57:25:14" begin="00:57:23:21" style="basic" region="rollup2">So we've had that in a lot of</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:57:28:13" begin="00:57:25:14" style="basic" region="rollup2">ways as this has been unfolding.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:31:03" begin="00:57:28:13" style="basic" region="rollup2">One of the big questions that I</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:57:32:29" begin="00:57:31:03" style="basic" region="rollup2">think came up in the very</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:57:34:13" begin="00:57:32:29" style="basic" region="rollup2">beginning is, what would large</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="00:57:35:29" begin="00:57:34:13" style="basic" region="rollup2">employers do?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:57:37:12" begin="00:57:35:29" style="basic" region="rollup2">Are they going to play or are</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="00:57:39:01" begin="00:57:37:12" style="basic" region="rollup2">they going to pay?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:57:40:21" begin="00:57:39:01" style="basic" region="rollup2">And what that basically means is</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:42:23" begin="00:57:40:21" style="basic" region="rollup2">are we going to offer coverages</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="00:57:44:24" begin="00:57:42:23" style="basic" region="rollup2">that meet the minimum</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:46:22" begin="00:57:44:24" style="basic" region="rollup2">requirements of the law so that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:57:48:14" begin="00:57:46:22" style="basic" region="rollup2">our employees can continue to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:50:09" begin="00:57:48:14" style="basic" region="rollup2">stay on the group plan with us,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:57:52:11" begin="00:57:50:09" style="basic" region="rollup2">or would we take the easy way</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:57:54:02" begin="00:57:52:11" style="basic" region="rollup2">out and just give everybody some</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:57:55:17" begin="00:57:54:02" style="basic" region="rollup2">money so that they could go in</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:57:13" begin="00:57:55:17" style="basic" region="rollup2">the individual Marketplace, buy</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:57:59:00" begin="00:57:57:13" style="basic" region="rollup2">on their own, and then we would</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:58:01:09" begin="00:57:59:00" style="basic" region="rollup2">need to pay a fine of $2,000 per</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:58:03:05" begin="00:58:01:09" style="basic" region="rollup2">employee if we decided to go</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="00:58:04:29" begin="00:58:03:05" style="basic" region="rollup2">that way.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:58:06:21" begin="00:58:04:29" style="basic" region="rollup2">And there was a lot of</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:58:08:10" begin="00:58:06:21" style="basic" region="rollup2">speculation that people would</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:58:10:03" begin="00:58:08:10" style="basic" region="rollup2">just take that route because it</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:58:11:25" begin="00:58:10:03" style="basic" region="rollup2">would be a lot simpler.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:58:13:17" begin="00:58:11:25" style="basic" region="rollup2">And sometimes I think maybe it</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:58:15:28" begin="00:58:13:17" style="basic" region="rollup2">would be simpler, but I don't</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:58:17:15" begin="00:58:15:28" style="basic" region="rollup2">think we can answer that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:58:18:29" begin="00:58:17:15" style="basic" region="rollup2">question yet because we don't</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:58:20:19" begin="00:58:18:29" style="basic" region="rollup2">know what it is that we would be</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:58:22:03" begin="00:58:20:19" style="basic" region="rollup2">sending out employees out to do</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:58:23:21" begin="00:58:22:03" style="basic" region="rollup2">and how much would it really</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="00:58:25:24" begin="00:58:23:21" style="basic" region="rollup2">cost them.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:58:27:14" begin="00:58:25:24" style="basic" region="rollup2">And, consequently, there's a lot</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:58:29:03" begin="00:58:27:14" style="basic" region="rollup2">of uncertainty there, and at the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:58:30:16" begin="00:58:29:03" style="basic" region="rollup2">end of the day we're competing</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:58:32:01" begin="00:58:30:16" style="basic" region="rollup2">for talent against other</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:58:33:18" begin="00:58:32:01" style="basic" region="rollup2">employers and if we don't offer</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:58:35:09" begin="00:58:33:18" style="basic" region="rollup2">a benefit package that's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:58:36:25" begin="00:58:35:09" style="basic" region="rollup2">competitive, we're going to have</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:58:38:04" begin="00:58:36:25" style="basic" region="rollup2">difficulty retaining the</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:58:39:16" begin="00:58:38:04" style="basic" region="rollup2">employees that we have or</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:58:40:23" begin="00:58:39:16" style="basic" region="rollup2">recruiting new ones to come and</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="00:58:42:09" begin="00:58:40:23" style="basic" region="rollup2">work for us.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:58:43:25" begin="00:58:42:09" style="basic" region="rollup2">And so some of the recent</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:58:45:21" begin="00:58:43:25" style="basic" region="rollup2">statistics that I've seen,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:58:47:12" begin="00:58:45:21" style="basic" region="rollup2">they're saying that for 2014</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:58:49:04" begin="00:58:47:12" style="basic" region="rollup2">it's less than 2% of large</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:58:51:29" begin="00:58:49:04" style="basic" region="rollup2">employers that are opting to pay</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:58:53:18" begin="00:58:51:29" style="basic" region="rollup2">and send folks into the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:58:55:02" begin="00:58:53:18" style="basic" region="rollup2">individual Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:58:56:23" begin="00:58:55:02" style="basic" region="rollup2">I think as the market settles</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:58:59:08" begin="00:58:56:23" style="basic" region="rollup2">down and as we get some rhythm</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:59:01:02" begin="00:58:59:08" style="basic" region="rollup2">to how all this works and we can</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:59:02:29" begin="00:59:01:02" style="basic" region="rollup2">see what the real costs are, I</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:59:04:28" begin="00:59:02:29" style="basic" region="rollup2">think 2014 is a bit of a shot in</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:59:06:18" begin="00:59:04:28" style="basic" region="rollup2">the dark when the pricing was</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="00:59:08:29" begin="00:59:06:18" style="basic" region="rollup2">being set plans.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:59:11:11" begin="00:59:08:29" style="basic" region="rollup2">I think we may see some changes</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:59:13:24" begin="00:59:11:11" style="basic" region="rollup2">in how that all unfolds, but</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:59:15:13" begin="00:59:13:24" style="basic" region="rollup2">right now it's a little bit</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="00:59:17:07" begin="00:59:15:13" style="basic" region="rollup2">early to tell because we're</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:59:18:27" begin="00:59:17:07" style="basic" region="rollup2">going into, obviously,</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:59:21:25" begin="00:59:18:27" style="basic" region="rollup2">uncharted waters there.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:59:23:19" begin="00:59:21:25" style="basic" region="rollup2">One of the things that also is a</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:59:26:09" begin="00:59:23:19" style="basic" region="rollup2">concern is how do you compare</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="00:59:28:11" begin="00:59:26:09" style="basic" region="rollup2">these plans, and what is the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:59:30:16" begin="00:59:28:11" style="basic" region="rollup2">value that employees are getting</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:59:32:07" begin="00:59:30:16" style="basic" region="rollup2">if they go and buy as an</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:59:34:22" begin="00:59:32:07" style="basic" region="rollup2">individual in the Marketplace?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:59:37:09" begin="00:59:34:22" style="basic" region="rollup2">When we think about value, there</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="00:59:39:05" begin="00:59:37:09" style="basic" region="rollup2">are a variety of different</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:59:40:21" begin="00:59:39:05" style="basic" region="rollup2">things that you want to keep in</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="00:59:42:00" begin="00:59:40:21" style="basic" region="rollup2">mind.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:59:43:11" begin="00:59:42:00" style="basic" region="rollup2">The first thing that everybody</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:59:44:26" begin="00:59:43:11" style="basic" region="rollup2">talks about is the benefit plan</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="00:59:46:02" begin="00:59:44:26" style="basic" region="rollup2">design.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="00:59:47:11" begin="00:59:46:02" style="basic" region="rollup2">What's the deductible?</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="00:59:48:20" begin="00:59:47:11" style="basic" region="rollup2">What's the coinsurance?</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="00:59:50:05" begin="00:59:48:20" style="basic" region="rollup2">What's the out of pocket</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="00:59:51:11" begin="00:59:50:05" style="basic" region="rollup2">maximum?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="00:59:52:20" begin="00:59:51:11" style="basic" region="rollup2">And that is where you'd want to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="00:59:54:01" begin="00:59:52:20" style="basic" region="rollup2">start as you look at plans and</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="00:59:55:11" begin="00:59:54:01" style="basic" region="rollup2">you compare them.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="00:59:56:25" begin="00:59:55:11" style="basic" region="rollup2">But there's a number of other</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="00:59:58:01" begin="00:59:56:25" style="basic" region="rollup2">things that aren't getting a lot</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="00:59:59:08" begin="00:59:58:01" style="basic" region="rollup2">of attention that I would</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:00:00:16" begin="00:59:59:08" style="basic" region="rollup2">encourage you to also try to dig</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:00:01:29" begin="01:00:00:16" style="basic" region="rollup2">into.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:00:03:13" begin="01:00:01:29" style="basic" region="rollup2">The first is who are the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:04:27" begin="01:00:03:13" style="basic" region="rollup2">providers that are part of that</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:00:06:12" begin="01:00:04:27" style="basic" region="rollup2">in-network group.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:00:08:09" begin="01:00:06:12" style="basic" region="rollup2">One of the gentlemen early on</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:10:00" begin="01:00:08:09" style="basic" region="rollup2">had asked a question about what</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:11:20" begin="01:00:10:00" style="basic" region="rollup2">kind of flexibility will I have</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:00:13:11" begin="01:00:11:20" style="basic" region="rollup2">if I want to travel?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:00:15:08" begin="01:00:13:11" style="basic" region="rollup2">Well, what I'm hearing is that</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:00:16:25" begin="01:00:15:08" style="basic" region="rollup2">some of the plans that are out</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:00:18:06" begin="01:00:16:25" style="basic" region="rollup2">there in the individual</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:19:19" begin="01:00:18:06" style="basic" region="rollup2">Marketplace have very what I'll</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:00:21:06" begin="01:00:19:19" style="basic" region="rollup2">call narrow networks.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:00:22:24" begin="01:00:21:06" style="basic" region="rollup2">And you have to be careful of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:25:24" begin="01:00:22:24" style="basic" region="rollup2">the name of the company because</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:00:28:00" begin="01:00:25:24" style="basic" region="rollup2">you may have a carrier, and I</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:29:22" begin="01:00:28:00" style="basic" region="rollup2">won't name names, but you might</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:00:30:29" begin="01:00:29:22" style="basic" region="rollup2">have a carrier that you</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:00:32:10" begin="01:00:30:29" style="basic" region="rollup2">recognize the name, maybe you've</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:00:33:24" begin="01:00:32:10" style="basic" region="rollup2">even been in their insurance</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:00:35:22" begin="01:00:33:24" style="basic" region="rollup2">plan in the past, and you're</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:00:37:04" begin="01:00:35:22" style="basic" region="rollup2">accustomed to having access to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:00:38:03" begin="01:00:37:04" style="basic" region="rollup2">four different healthcare</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:00:39:12" begin="01:00:38:03" style="basic" region="rollup2">systems.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:00:40:20" begin="01:00:39:12" style="basic" region="rollup2">And when we talk about the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:00:42:14" begin="01:00:40:20" style="basic" region="rollup2">systems, those are ThedaCare,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:00:44:17" begin="01:00:42:14" style="basic" region="rollup2">Affinity, Aurora, those are some</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:00:45:22" begin="01:00:44:17" style="basic" region="rollup2">of the common names here in</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:00:47:21" begin="01:00:45:22" style="basic" region="rollup2">northeast Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:49:01" begin="01:00:47:21" style="basic" region="rollup2">But what you might find is that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:00:50:14" begin="01:00:49:01" style="basic" region="rollup2">their new plan in the individual</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:00:52:09" begin="01:00:50:14" style="basic" region="rollup2">Marketplace only has one of</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:00:54:13" begin="01:00:52:09" style="basic" region="rollup2">those groups in their plan.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:00:56:13" begin="01:00:54:13" style="basic" region="rollup2">And you need to dig in in order</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:00:59:02" begin="01:00:56:13" style="basic" region="rollup2">to find if that's the truth or</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:01:00:14" begin="01:00:59:02" style="basic" region="rollup2">not.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:01:02:05" begin="01:01:00:14" style="basic" region="rollup2">But if you find that it's only</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:01:03:29" begin="01:01:02:05" style="basic" region="rollup2">that network, if you're using</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:01:05:20" begin="01:01:03:29" style="basic" region="rollup2">doctors in that network today</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:01:07:09" begin="01:01:05:20" style="basic" region="rollup2">and you don't ever leave the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:01:08:27" begin="01:01:07:09" style="basic" region="rollup2">area so you always get into</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:01:10:14" begin="01:01:08:27" style="basic" region="rollup2">those doctors, then it's</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:01:12:09" begin="01:01:10:14" style="basic" region="rollup2">probably not a problem.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:01:13:21" begin="01:01:12:09" style="basic" region="rollup2">But if you want to go to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:01:15:01" begin="01:01:13:21" style="basic" region="rollup2">Florida, you're not going to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:01:16:15" begin="01:01:15:01" style="basic" region="rollup2">find a ThedaCare provider or an</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:01:18:11" begin="01:01:16:15" style="basic" region="rollup2">Aurora provider there, so that</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:01:19:29" begin="01:01:18:11" style="basic" region="rollup2">could be a challenge then.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:21:16" begin="01:01:19:29" style="basic" region="rollup2">Then you want to look and see if</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:01:23:07" begin="01:01:21:16" style="basic" region="rollup2">there's out-of-network benefits</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:01:24:22" begin="01:01:23:07" style="basic" region="rollup2">and in-network benefits or only</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:01:26:19" begin="01:01:24:22" style="basic" region="rollup2">in-network benefits.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:01:28:05" begin="01:01:26:19" style="basic" region="rollup2">So, very subtle but a very big</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:29:25" begin="01:01:28:05" style="basic" region="rollup2">thing when it comes to the value</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:01:31:23" begin="01:01:29:25" style="basic" region="rollup2">that that plan will bring you.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:01:34:05" begin="01:01:31:23" style="basic" region="rollup2">Same thing is true with</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:01:36:03" begin="01:01:34:05" style="basic" region="rollup2">prescription drug formularies.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:37:27" begin="01:01:36:03" style="basic" region="rollup2">I'm hearing, and again I haven't</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:01:39:14" begin="01:01:37:27" style="basic" region="rollup2">had access to be able to see</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:40:27" begin="01:01:39:14" style="basic" region="rollup2">what's really out there, but I'm</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:01:42:14" begin="01:01:40:27" style="basic" region="rollup2">hearing that some of these</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:44:00" begin="01:01:42:14" style="basic" region="rollup2">benefit plans have much narrower</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:01:45:09" begin="01:01:44:00" style="basic" region="rollup2">networks in terms of what's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:46:21" begin="01:01:45:09" style="basic" region="rollup2">covered in the prescription drug</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:01:47:29" begin="01:01:46:21" style="basic" region="rollup2">realm.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:01:49:14" begin="01:01:47:29" style="basic" region="rollup2">Which drugs, by name, are on the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:01:51:04" begin="01:01:49:14" style="basic" region="rollup2">formularies.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:01:52:19" begin="01:01:51:04" style="basic" region="rollup2">So something else to be aware</p> <p tts:origin="10% 84.66%" tts:extent="7.5% 5.33%" end="01:01:54:04" begin="01:01:52:19" style="basic" region="rollup2">of.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:01:55:20" begin="01:01:54:04" style="basic" region="rollup2">I always tell people to, when</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:01:57:09" begin="01:01:55:20" style="basic" region="rollup2">you look at a plan, start by</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:01:58:25" begin="01:01:57:09" style="basic" region="rollup2">first looking at deductibles,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:02:00:18" begin="01:01:58:25" style="basic" region="rollup2">coinsurance, then jump and look</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:02:02:06" begin="01:02:00:18" style="basic" region="rollup2">at what's excluded from the plan</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:02:03:27" begin="01:02:02:06" style="basic" region="rollup2">because that's always an</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:02:05:13" begin="01:02:03:27" style="basic" region="rollup2">important thing that sometimes</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:02:07:00" begin="01:02:05:13" style="basic" region="rollup2">people lose sight of.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:02:08:28" begin="01:02:07:00" style="basic" region="rollup2">We are seeing that the cost of</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:02:10:23" begin="01:02:08:28" style="basic" region="rollup2">the plans vary by age, the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:02:12:26" begin="01:02:10:23" style="basic" region="rollup2">market locale, meaning are you</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:02:14:27" begin="01:02:12:26" style="basic" region="rollup2">in Appleton, Madison, Milwaukee,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:02:16:29" begin="01:02:14:27" style="basic" region="rollup2">all of those are different from</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:02:18:29" begin="01:02:16:29" style="basic" region="rollup2">a pricing standpoint, and then</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:20:24" begin="01:02:18:29" style="basic" region="rollup2">one of the big things as an</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:02:22:21" begin="01:02:20:24" style="basic" region="rollup2">employer when we think about how</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:24:09" begin="01:02:22:21" style="basic" region="rollup2">this individual Marketplace</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:02:25:27" begin="01:02:24:09" style="basic" region="rollup2">might work, if I give someone</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:02:27:13" begin="01:02:25:27" style="basic" region="rollup2">cash and tell them to go out and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:02:29:04" begin="01:02:27:13" style="basic" region="rollup2">buy coverage, that income is</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:02:31:27" begin="01:02:29:04" style="basic" region="rollup2">going to be taxable to them.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:34:01" begin="01:02:31:27" style="basic" region="rollup2">If I give them $8,000, it's</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:02:35:18" begin="01:02:34:01" style="basic" region="rollup2">taxable income before they go</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:37:07" begin="01:02:35:18" style="basic" region="rollup2">buy their health insurance.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:02:38:26" begin="01:02:37:07" style="basic" region="rollup2">Where, when they're getting it</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:02:40:13" begin="01:02:38:26" style="basic" region="rollup2">through their employer, it's a</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:02:42:01" begin="01:02:40:13" style="basic" region="rollup2">pretax benefit, and you don't</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:43:26" begin="01:02:42:01" style="basic" region="rollup2">have that tax ramification.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:45:13" begin="01:02:43:26" style="basic" region="rollup2">So a lot of complexities in</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:02:47:03" begin="01:02:45:13" style="basic" region="rollup2">there.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:02:48:18" begin="01:02:47:03" style="basic" region="rollup2">One other thing just to touch on</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:02:50:04" begin="01:02:48:18" style="basic" region="rollup2">is that we do have about</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:02:51:20" begin="01:02:50:04" style="basic" region="rollup2">two-thirds of our employees that</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:02:53:06" begin="01:02:51:20" style="basic" region="rollup2">are covered by a union, the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:02:55:03" begin="01:02:53:06" style="basic" region="rollup2">United Steelworkers.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:02:56:22" begin="01:02:55:03" style="basic" region="rollup2">One of the challenges that we</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:02:59:04" begin="01:02:56:22" style="basic" region="rollup2">see as we look ahead to 2015 is</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:03:00:29" begin="01:02:59:04" style="basic" region="rollup2">that there are mandates in the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:03:03:12" begin="01:03:00:29" style="basic" region="rollup2">law that require certain benefit</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:03:05:15" begin="01:03:03:12" style="basic" region="rollup2">plan designs that are different</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:03:07:02" begin="01:03:05:15" style="basic" region="rollup2">than what we've negotiated with</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:03:08:25" begin="01:03:07:02" style="basic" region="rollup2">the union.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:03:10:24" begin="01:03:08:25" style="basic" region="rollup2">And so if our contract doesn't</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:03:13:03" begin="01:03:10:24" style="basic" region="rollup2">expire before this goes into</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:03:15:07" begin="01:03:13:03" style="basic" region="rollup2">effect, we're going to have to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:03:17:11" begin="01:03:15:07" style="basic" region="rollup2">figure out what to do with that.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:03:19:00" begin="01:03:17:11" style="basic" region="rollup2">And that's different than what</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:03:20:19" begin="01:03:19:00" style="basic" region="rollup2">we've had in the past because</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:03:22:02" begin="01:03:20:19" style="basic" region="rollup2">typically in the past when there</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:03:23:27" begin="01:03:22:02" style="basic" region="rollup2">have been legal mandates,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:03:25:26" begin="01:03:23:27" style="basic" region="rollup2">there's usually an exception in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:03:27:13" begin="01:03:25:26" style="basic" region="rollup2">there for collectively bargained</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:03:29:15" begin="01:03:27:13" style="basic" region="rollup2">plans, and they're allowed to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:03:31:09" begin="01:03:29:15" style="basic" region="rollup2">stick with what was bargained</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:03:32:23" begin="01:03:31:09" style="basic" region="rollup2">until the end of the that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:03:34:13" begin="01:03:32:23" style="basic" region="rollup2">collective bargaining cycle.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:03:36:05" begin="01:03:34:13" style="basic" region="rollup2">And then the new plan that would</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:03:38:05" begin="01:03:36:05" style="basic" region="rollup2">be negotiated would need to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:03:40:12" begin="01:03:38:05" style="basic" region="rollup2">reflect the new mandates within</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:03:42:03" begin="01:03:40:12" style="basic" region="rollup2">the law.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:03:43:20" begin="01:03:42:03" style="basic" region="rollup2">But this one's different.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:03:45:04" begin="01:03:43:20" style="basic" region="rollup2">And so that will be another</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:03:46:22" begin="01:03:45:04" style="basic" region="rollup2">challenge.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:03:48:08" begin="01:03:46:22" style="basic" region="rollup2">And then we still offer coverage</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:03:49:23" begin="01:03:48:08" style="basic" region="rollup2">to some of our pre-Medicare</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:03:51:05" begin="01:03:49:23" style="basic" region="rollup2">retirees.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:03:52:27" begin="01:03:51:05" style="basic" region="rollup2">And so we were hoping the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:03:54:19" begin="01:03:52:27" style="basic" region="rollup2">individual Marketplace would</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:03:55:27" begin="01:03:54:19" style="basic" region="rollup2">give us some options on that.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:03:57:09" begin="01:03:55:27" style="basic" region="rollup2">And we did take a pass for 2014</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:03:59:09" begin="01:03:57:09" style="basic" region="rollup2">because we couldn't figure out</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:04:00:27" begin="01:03:59:09" style="basic" region="rollup2">what it was going to be yet, and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:02:12" begin="01:04:00:27" style="basic" region="rollup2">so we'll revisit it again come</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:04:03:27" begin="01:04:02:12" style="basic" region="rollup2">2015 to see if it may be</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:04:05:11" begin="01:04:03:27" style="basic" region="rollup2">advantageous for them to go that</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:04:07:08" begin="01:04:05:11" style="basic" region="rollup2">route instead.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:08:23" begin="01:04:07:08" style="basic" region="rollup2">And I think I've covered along</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:04:10:14" begin="01:04:08:23" style="basic" region="rollup2">the way why we chose to play for</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:04:11:29" begin="01:04:10:14" style="basic" region="rollup2">2014, and we'll revisit that</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:04:14:22" begin="01:04:11:29" style="basic" region="rollup2">again in 2015.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:04:17:27" begin="01:04:14:22" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:23:07" begin="01:04:21:12" style="basic" region="rollup2">>> Thank you very much, Kerry.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:24:23" begin="01:04:23:07" style="basic" region="rollup2">And now we're going to turn to</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:04:26:09" begin="01:04:24:23" style="basic" region="rollup2">the state of Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:04:27:24" begin="01:04:26:09" style="basic" region="rollup2">specifically, and how the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:29:12" begin="01:04:27:24" style="basic" region="rollup2">Affordable Care Act is working</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:04:30:21" begin="01:04:29:12" style="basic" region="rollup2">here.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:04:32:05" begin="01:04:30:21" style="basic" region="rollup2">As you probably know, Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:04:34:05" begin="01:04:32:05" style="basic" region="rollup2">is part of a federally</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:04:36:09" begin="01:04:34:05" style="basic" region="rollup2">facilitated exchange and we</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:38:13" begin="01:04:36:09" style="basic" region="rollup2">chose not to have the Medicaid</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:04:39:29" begin="01:04:38:13" style="basic" region="rollup2">expansion.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:04:41:19" begin="01:04:39:29" style="basic" region="rollup2">And here to talk to us about</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:04:43:13" begin="01:04:41:19" style="basic" region="rollup2">Wisconsin's philosophy on how we</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:04:45:01" begin="01:04:43:13" style="basic" region="rollup2">are implementing the Affordable</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:04:47:00" begin="01:04:45:01" style="basic" region="rollup2">Care Act here and the BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:04:49:01" begin="01:04:47:00" style="basic" region="rollup2">change that will occur</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:04:51:10" begin="01:04:49:01" style="basic" region="rollup2">January 1st is Bill Hanna.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:04:52:15" begin="01:04:51:10" style="basic" region="rollup2">Bill is the director of Area</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:04:54:03" begin="01:04:52:15" style="basic" region="rollup2">Administration at the Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:04:55:27" begin="01:04:54:03" style="basic" region="rollup2">Department of Health Services.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:04:57:17" begin="01:04:55:27" style="basic" region="rollup2">Area Administration is a part of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:04:59:21" begin="01:04:57:17" style="basic" region="rollup2">the Office of the Secretary and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:05:01:26" begin="01:04:59:21" style="basic" region="rollup2">is the primary link for DHS with</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:05:03:16" begin="01:05:01:26" style="basic" region="rollup2">local county human services</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:05:05:06" begin="01:05:03:16" style="basic" region="rollup2">agencies.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:05:06:21" begin="01:05:05:06" style="basic" region="rollup2">In recent months, Area</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:05:08:12" begin="01:05:06:21" style="basic" region="rollup2">Administration staff, located in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:05:10:17" begin="01:05:08:12" style="basic" region="rollup2">five regional offices around the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:05:12:13" begin="01:05:10:17" style="basic" region="rollup2">state, led the department's</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:05:14:06" begin="01:05:12:13" style="basic" region="rollup2">effort to facilitate the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:05:16:05" begin="01:05:14:06" style="basic" region="rollup2">creation of 12 regional</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:05:17:26" begin="01:05:16:05" style="basic" region="rollup2">enrollment networks across the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:05:19:27" begin="01:05:17:26" style="basic" region="rollup2">state to help with setting up</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:05:21:15" begin="01:05:19:27" style="basic" region="rollup2">the operation of the Affordable</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:05:23:13" begin="01:05:21:15" style="basic" region="rollup2">Care Act and changes to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:05:25:15" begin="01:05:23:13" style="basic" region="rollup2">BadgerCare Plus that were</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:05:27:09" begin="01:05:25:15" style="basic" region="rollup2">included in the state's biannual</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:05:29:03" begin="01:05:27:09" style="basic" region="rollup2">budget.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:05:30:22" begin="01:05:29:03" style="basic" region="rollup2">Bill has a master's in public</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:05:32:09" begin="01:05:30:22" style="basic" region="rollup2">administration from the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:05:33:28" begin="01:05:32:09" style="basic" region="rollup2">University of Georgia.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:05:35:14" begin="01:05:33:28" style="basic" region="rollup2">Welcome, Bill.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:05:36:09" begin="01:05:35:14" style="basic" region="rollup2">Please join me</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:05:37:21" begin="01:05:36:09" style="basic" region="rollup2">in welcoming Bill.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:05:39:28" begin="01:05:37:21" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:05:44:13" begin="01:05:43:06" style="basic" region="rollup2">>> Thank you.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:05:46:04" begin="01:05:44:13" style="basic" region="rollup2">Yes I went to graduate school</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:05:47:16" begin="01:05:46:04" style="basic" region="rollup2">in Georgia, but I'm actually</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:05:49:13" begin="01:05:47:16" style="basic" region="rollup2">from Appleton.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:05:50:17" begin="01:05:49:13" style="basic" region="rollup2">I was born and raised in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:05:52:09" begin="01:05:50:17" style="basic" region="rollup2">Appleton, went to Appleton West,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:05:53:12" begin="01:05:52:09" style="basic" region="rollup2">and actually went to Lawrence</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:05:54:16" begin="01:05:53:12" style="basic" region="rollup2">University for my undergrad.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:05:55:19" begin="01:05:54:16" style="basic" region="rollup2">So I'm happy to be back here</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:05:58:11" begin="01:05:55:19" style="basic" region="rollup2">in the Fox Valley.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:06:00:02" begin="01:05:58:11" style="basic" region="rollup2">So the video talked about, I</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:01:27" begin="01:06:00:02" style="basic" region="rollup2">think, part of the changes that</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:06:04:03" begin="01:06:01:27" style="basic" region="rollup2">are happening in BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:06:05:23" begin="01:06:04:03" style="basic" region="rollup2">Plus, but there's some other</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:07:07" begin="01:06:05:23" style="basic" region="rollup2">parts, I think, that were maybe</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:06:09:06" begin="01:06:07:07" style="basic" region="rollup2">glossed over.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:06:12:17" begin="01:06:09:06" style="basic" region="rollup2">So, in the most recent budget,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:06:15:15" begin="01:06:12:17" style="basic" region="rollup2">the entitlement reforms were,</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:06:17:13" begin="01:06:15:15" style="basic" region="rollup2">we had three goals.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:06:19:08" begin="01:06:17:13" style="basic" region="rollup2">One was to ensure that every</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:06:20:09" begin="01:06:19:08" style="basic" region="rollup2">resident has access to health</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:06:22:03" begin="01:06:20:09" style="basic" region="rollup2">insurance, either through the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:06:25:20" begin="01:06:22:03" style="basic" region="rollup2">BadgerCare Plus expansion for</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:27:15" begin="01:06:25:20" style="basic" region="rollup2">childless adults or through the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:06:29:22" begin="01:06:27:15" style="basic" region="rollup2">Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:06:33:00" begin="01:06:29:22" style="basic" region="rollup2">The goal is also to reduce the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:35:03" begin="01:06:33:00" style="basic" region="rollup2">number of non-elderly uninsured</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:06:37:11" begin="01:06:35:03" style="basic" region="rollup2">in Wisconsin, and I think we</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:38:24" begin="01:06:37:11" style="basic" region="rollup2">heard the number, about 500,000</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:06:40:29" begin="01:06:38:24" style="basic" region="rollup2">in Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:42:15" begin="01:06:40:29" style="basic" region="rollup2">The goal is to decrease that in</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:06:44:23" begin="01:06:42:15" style="basic" region="rollup2">half in the next two years.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:06:46:14" begin="01:06:44:23" style="basic" region="rollup2">And the third goal is to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:06:48:02" begin="01:06:46:14" style="basic" region="rollup2">simplify the Medicaid program by</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:06:50:14" begin="01:06:48:02" style="basic" region="rollup2">moving to one set of benefits</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:06:52:16" begin="01:06:50:14" style="basic" region="rollup2">for those that are enrolled in</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:06:54:21" begin="01:06:52:16" style="basic" region="rollup2">the BadgerCare Plus program.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:06:57:28" begin="01:06:54:21" style="basic" region="rollup2">So this is what BadgerCare Plus</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:07:00:15" begin="01:06:57:28" style="basic" region="rollup2">looks like today.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:07:02:14" begin="01:07:00:15" style="basic" region="rollup2">Children and pregnant woman are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:07:04:15" begin="01:07:02:14" style="basic" region="rollup2">eligible for BadgerCare Plus up</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:07:06:29" begin="01:07:04:15" style="basic" region="rollup2">to 300% of the federal poverty.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:07:09:22" begin="01:07:06:29" style="basic" region="rollup2">But you see from the 200% to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:07:12:06" begin="01:07:09:22" style="basic" region="rollup2">300%, that green section, those</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:07:14:15" begin="01:07:12:06" style="basic" region="rollup2">children and pregnant women are</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:07:16:26" begin="01:07:14:15" style="basic" region="rollup2">eligible for the benchmark plan.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:07:18:11" begin="01:07:16:26" style="basic" region="rollup2">That's a limited set of</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:07:19:22" begin="01:07:18:11" style="basic" region="rollup2">benefits.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:07:20:28" begin="01:07:19:22" style="basic" region="rollup2">It doesn't include dental.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:07:22:10" begin="01:07:20:28" style="basic" region="rollup2">It doesn't include behavioral</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:07:23:21" begin="01:07:22:10" style="basic" region="rollup2">health services.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:07:25:07" begin="01:07:23:21" style="basic" region="rollup2">So they have a limited set of</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:07:27:11" begin="01:07:25:07" style="basic" region="rollup2">benefits.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:07:29:15" begin="01:07:27:11" style="basic" region="rollup2">In the childless adult section</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:07:31:13" begin="01:07:29:15" style="basic" region="rollup2">in red, that's even fewer</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:07:33:11" begin="01:07:31:13" style="basic" region="rollup2">benefits than the benchmark</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:07:34:27" begin="01:07:33:11" style="basic" region="rollup2">plan.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:07:36:15" begin="01:07:34:27" style="basic" region="rollup2">And currently that plan is</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:07:38:18" begin="01:07:36:15" style="basic" region="rollup2">capped.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:07:39:19" begin="01:07:38:18" style="basic" region="rollup2">There's a wait list.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:07:41:06" begin="01:07:39:19" style="basic" region="rollup2">There has been a wait list</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:07:43:10" begin="01:07:41:06" style="basic" region="rollup2">almost since its inception.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:07:44:29" begin="01:07:43:10" style="basic" region="rollup2">And you can see from the numbers</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:07:47:23" begin="01:07:44:29" style="basic" region="rollup2">down below, we have about 16,500</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:07:51:18" begin="01:07:47:23" style="basic" region="rollup2">people in the childless adult</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:07:55:24" begin="01:07:51:18" style="basic" region="rollup2">population, and 769,000 people</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:07:59:00" begin="01:07:55:24" style="basic" region="rollup2">enrolled in BadgerCare Plus.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:08:02:20" begin="01:07:59:00" style="basic" region="rollup2">This is what the world of</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:08:04:26" begin="01:08:02:20" style="basic" region="rollup2">BadgerCare Plus will look like</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:08:07:00" begin="01:08:04:26" style="basic" region="rollup2">after January 1st.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:08:09:04" begin="01:08:07:00" style="basic" region="rollup2">You see that children and</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:08:10:17" begin="01:08:09:04" style="basic" region="rollup2">pregnant woman are still</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:08:12:18" begin="01:08:10:17" style="basic" region="rollup2">eligible up to the 300% of</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:08:14:11" begin="01:08:12:18" style="basic" region="rollup2">federal poverty, but what was</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:08:16:03" begin="01:08:14:11" style="basic" region="rollup2">that green section, that</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:08:18:24" begin="01:08:16:03" style="basic" region="rollup2">benchmark plan, is now yellow.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:08:21:01" begin="01:08:18:24" style="basic" region="rollup2">So those individuals that are in</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:08:23:00" begin="01:08:21:01" style="basic" region="rollup2">the 200% to 300%, those children</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:08:25:04" begin="01:08:23:00" style="basic" region="rollup2">and pregnant women, are going to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:08:26:23" begin="01:08:25:04" style="basic" region="rollup2">have an enhanced set of benefits</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:08:28:17" begin="01:08:26:23" style="basic" region="rollup2">starting January 1st.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:08:30:25" begin="01:08:28:17" style="basic" region="rollup2">What you did hear in the video</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:08:32:26" begin="01:08:30:25" style="basic" region="rollup2">are those members that will be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:08:34:16" begin="01:08:32:26" style="basic" region="rollup2">transitioning from BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:08:36:23" begin="01:08:34:16" style="basic" region="rollup2">Plus to the Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:08:38:09" begin="01:08:36:23" style="basic" region="rollup2">You see in the parent and</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:08:40:02" begin="01:08:38:09" style="basic" region="rollup2">caretaker column, the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:08:41:27" begin="01:08:40:02" style="basic" region="rollup2">eligibility level changes from</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:08:44:07" begin="01:08:41:27" style="basic" region="rollup2">200% to 100%.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:08:46:14" begin="01:08:44:07" style="basic" region="rollup2">Originally, we estimated that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:08:48:09" begin="01:08:46:14" style="basic" region="rollup2">was about 92,000 people when we</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:08:49:24" begin="01:08:48:09" style="basic" region="rollup2">did the budget that would be</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:08:51:03" begin="01:08:49:24" style="basic" region="rollup2">transitioning.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:08:52:19" begin="01:08:51:03" style="basic" region="rollup2">We've since run the numbers and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:08:54:13" begin="01:08:52:19" style="basic" region="rollup2">sent out letters to individuals.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:08:57:10" begin="01:08:54:13" style="basic" region="rollup2">It's 77,000 individuals will be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:09:00:09" begin="01:08:57:10" style="basic" region="rollup2">transitioning from BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:09:03:06" begin="01:09:00:09" style="basic" region="rollup2">Plus to the Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:09:05:23" begin="01:09:03:06" style="basic" region="rollup2">The last column, childless</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:09:07:07" begin="01:09:05:23" style="basic" region="rollup2">adults, you see went from red to</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:09:08:29" begin="01:09:07:07" style="basic" region="rollup2">yellow.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:09:10:25" begin="01:09:08:29" style="basic" region="rollup2">So, again, enhanced benefits,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:09:12:23" begin="01:09:10:25" style="basic" region="rollup2">part of the standard plan, and</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:09:13:26" begin="01:09:12:23" style="basic" region="rollup2">the income went from 200%</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:09:16:00" begin="01:09:13:26" style="basic" region="rollup2">to 100%, but there is no</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:09:17:22" begin="01:09:16:00" style="basic" region="rollup2">more wait list.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:09:19:13" begin="01:09:17:22" style="basic" region="rollup2">There is no more cap.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:09:20:24" begin="01:09:19:13" style="basic" region="rollup2">Anybody under 100% of the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:09:22:01" begin="01:09:20:24" style="basic" region="rollup2">federal poverty level will be</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:09:23:19" begin="01:09:22:01" style="basic" region="rollup2">eligible for BadgerCare Plus</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:09:25:11" begin="01:09:23:19" style="basic" region="rollup2">benefits.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:09:27:21" begin="01:09:25:11" style="basic" region="rollup2">So what was that 16,500 people</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:09:29:19" begin="01:09:27:21" style="basic" region="rollup2">that are currently enrolled,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:09:31:07" begin="01:09:29:19" style="basic" region="rollup2">childless adults that are</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:09:33:14" begin="01:09:31:07" style="basic" region="rollup2">enrolled in Wisconsin now goes</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:09:36:10" begin="01:09:33:14" style="basic" region="rollup2">to 98,641 individuals in the</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:09:38:25" begin="01:09:36:10" style="basic" region="rollup2">childless adult section.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:09:41:10" begin="01:09:38:25" style="basic" region="rollup2">So we're actually adding 82,000</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:09:43:10" begin="01:09:41:10" style="basic" region="rollup2">individuals into the BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:09:45:03" begin="01:09:43:10" style="basic" region="rollup2">Plus population, and you see the</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:09:46:21" begin="01:09:45:03" style="basic" region="rollup2">estimated total number to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:09:49:14" begin="01:09:46:21" style="basic" region="rollup2">802,000 individuals enrolled in</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:09:51:24" begin="01:09:49:14" style="basic" region="rollup2">BadgerCare Plus.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:09:54:06" begin="01:09:51:24" style="basic" region="rollup2">All right, I think this</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:09:56:03" begin="01:09:54:06" style="basic" region="rollup2">gentleman here brought up that's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:09:57:26" begin="01:09:56:03" style="basic" region="rollup2">a lot of people that are moving</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:09:59:13" begin="01:09:57:26" style="basic" region="rollup2">either onto BadgerCare Plus or</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:10:00:24" begin="01:09:59:13" style="basic" region="rollup2">transitioning to the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:10:02:01" begin="01:10:00:24" style="basic" region="rollup2">Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:10:03:21" begin="01:10:02:01" style="basic" region="rollup2">So, how are we doing that?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:10:05:04" begin="01:10:03:21" style="basic" region="rollup2">In the introduction they talked</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:10:06:12" begin="01:10:05:04" style="basic" region="rollup2">about regional enrollment</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:10:07:18" begin="01:10:06:12" style="basic" region="rollup2">networks.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:10:08:27" begin="01:10:07:18" style="basic" region="rollup2">DHS has partnered with the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:10:10:09" begin="01:10:08:27" style="basic" region="rollup2">Wisconsin Primary Healthcare</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:10:11:24" begin="01:10:10:09" style="basic" region="rollup2">Association, Covering Kids &</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:10:13:20" begin="01:10:11:24" style="basic" region="rollup2">Families, the Milwaukee</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:10:15:12" begin="01:10:13:20" style="basic" region="rollup2">Healthcare Partnership, to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:10:18:06" begin="01:10:15:12" style="basic" region="rollup2">design, develop, implement,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:10:20:24" begin="01:10:18:06" style="basic" region="rollup2">manage, continue to grow</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:10:22:23" begin="01:10:20:24" style="basic" region="rollup2">regional enrollment networks</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:10:24:00" begin="01:10:22:23" style="basic" region="rollup2">around the state.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:10:25:10" begin="01:10:24:00" style="basic" region="rollup2">We have 12 networks.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:10:26:20" begin="01:10:25:10" style="basic" region="rollup2">These are public/private</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:10:28:05" begin="01:10:26:20" style="basic" region="rollup2">partnerships of individuals,</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:10:29:16" begin="01:10:28:05" style="basic" region="rollup2">organizations.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:10:32:23" begin="01:10:29:16" style="basic" region="rollup2">They include county health</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:10:34:10" begin="01:10:32:23" style="basic" region="rollup2">departments, county human</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:10:36:12" begin="01:10:34:10" style="basic" region="rollup2">service departments, hospitals,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:10:38:09" begin="01:10:36:12" style="basic" region="rollup2">insurance brokers, nonprofit</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:10:40:23" begin="01:10:38:09" style="basic" region="rollup2">organizations, volunteers all</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:10:43:05" begin="01:10:40:23" style="basic" region="rollup2">with the same mission of helping</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:10:45:09" begin="01:10:43:05" style="basic" region="rollup2">people enroll into the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:10:48:04" begin="01:10:45:09" style="basic" region="rollup2">Marketplace to help get the word</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:10:50:00" begin="01:10:48:04" style="basic" region="rollup2">out and help them be able to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:10:51:19" begin="01:10:50:00" style="basic" region="rollup2">complete applications either on</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:10:53:17" begin="01:10:51:19" style="basic" region="rollup2">healthcare.gov or on paper</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:10:55:05" begin="01:10:53:17" style="basic" region="rollup2">applications.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:10:57:29" begin="01:10:55:05" style="basic" region="rollup2">DHS, specifically, we are</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:11:00:16" begin="01:10:57:29" style="basic" region="rollup2">targeting those 77,000</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:02:18" begin="01:11:00:16" style="basic" region="rollup2">individuals that we know will be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:11:04:18" begin="01:11:02:18" style="basic" region="rollup2">transitioning from BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:11:06:04" begin="01:11:04:18" style="basic" region="rollup2">Plus to the Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:07:17" begin="01:11:06:04" style="basic" region="rollup2">We have already sent, and as you</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:11:08:28" begin="01:11:07:17" style="basic" region="rollup2">saw in the video, the initial</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:11:10:21" begin="01:11:08:28" style="basic" region="rollup2">letter notifying people that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:12:07" begin="01:11:10:21" style="basic" region="rollup2">they likely will not be eligible</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:11:13:20" begin="01:11:12:07" style="basic" region="rollup2">for BadgerCare Plus starting on</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:11:15:11" begin="01:11:13:20" style="basic" region="rollup2">January 1st.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:17:20" begin="01:11:15:11" style="basic" region="rollup2">Recently, and you may have heard</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:19:09" begin="01:11:17:20" style="basic" region="rollup2">about it, but starting next week</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:11:21:21" begin="01:11:19:09" style="basic" region="rollup2">we are sending additional</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:11:24:04" begin="01:11:21:21" style="basic" region="rollup2">letters to those same people,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:11:25:27" begin="01:11:24:04" style="basic" region="rollup2">and this time we are including</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:11:27:14" begin="01:11:25:27" style="basic" region="rollup2">with that letter a copy of the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:11:29:01" begin="01:11:27:14" style="basic" region="rollup2">family application and</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:11:31:06" begin="01:11:29:01" style="basic" region="rollup2">instructions.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:11:32:18" begin="01:11:31:06" style="basic" region="rollup2">So if everything works smoothly</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:11:34:00" begin="01:11:32:18" style="basic" region="rollup2">and the website was operating</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:11:35:15" begin="01:11:34:00" style="basic" region="rollup2">like we planned that it would,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:11:36:26" begin="01:11:35:15" style="basic" region="rollup2">we wouldn't need to do this.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:11:38:12" begin="01:11:36:26" style="basic" region="rollup2">But we're rolling with it like</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:11:40:07" begin="01:11:38:12" style="basic" region="rollup2">everybody else.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:11:41:20" begin="01:11:40:07" style="basic" region="rollup2">So this is our strategy to make</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:43:09" begin="01:11:41:20" style="basic" region="rollup2">sure that people do have access,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:45:06" begin="01:11:43:09" style="basic" region="rollup2">that they are applying, and they</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:11:46:17" begin="01:11:45:06" style="basic" region="rollup2">will get coverage in the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:11:48:04" begin="01:11:46:17" style="basic" region="rollup2">Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:11:49:18" begin="01:11:48:04" style="basic" region="rollup2">The actual notifications, the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:11:51:15" begin="01:11:49:18" style="basic" region="rollup2">final and last notification will</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:11:53:03" begin="01:11:51:15" style="basic" region="rollup2">be sent to individuals in</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:11:55:23" begin="01:11:53:03" style="basic" region="rollup2">November.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:11:57:29" begin="01:11:55:23" style="basic" region="rollup2">In addition, we have 168,000</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:12:00:12" begin="01:11:57:29" style="basic" region="rollup2">people that were on the wait</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:12:02:00" begin="01:12:00:12" style="basic" region="rollup2">list for childless adults</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:12:03:19" begin="01:12:02:00" style="basic" region="rollup2">that were on the wait list.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:12:05:07" begin="01:12:03:19" style="basic" region="rollup2">So we have also sent letters to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:07:14" begin="01:12:05:07" style="basic" region="rollup2">those individuals saying that</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:12:10:02" begin="01:12:07:14" style="basic" region="rollup2">if you're under 100% of the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:12:12:04" begin="01:12:10:02" style="basic" region="rollup2">federal poverty, apply for</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:12:14:11" begin="01:12:12:04" style="basic" region="rollup2">BadgerCare Plus starting</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:12:15:29" begin="01:12:14:11" style="basic" region="rollup2">November 18th, and there are</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:12:17:16" begin="01:12:15:29" style="basic" region="rollup2">no more wait lists, so you</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:19:08" begin="01:12:17:16" style="basic" region="rollup2">would eligible for BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:12:21:03" begin="01:12:19:08" style="basic" region="rollup2">Plus starting January 1st.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:12:22:18" begin="01:12:21:03" style="basic" region="rollup2">And if you're over 100% of the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:24:01" begin="01:12:22:18" style="basic" region="rollup2">federal poverty level and you</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:12:26:06" begin="01:12:24:01" style="basic" region="rollup2">were on the wait list, you now</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:27:17" begin="01:12:26:06" style="basic" region="rollup2">can go to the Marketplace and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:12:29:06" begin="01:12:27:17" style="basic" region="rollup2">apply for insurance via the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:12:30:19" begin="01:12:29:06" style="basic" region="rollup2">Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:12:32:02" begin="01:12:30:19" style="basic" region="rollup2">So that's our outreach strategy.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:12:33:16" begin="01:12:32:02" style="basic" region="rollup2">We have a lot of people that are</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:12:34:28" begin="01:12:33:16" style="basic" region="rollup2">moving one way or the other, but</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:12:36:13" begin="01:12:34:28" style="basic" region="rollup2">we have a lot of great partners,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:38:06" begin="01:12:36:13" style="basic" region="rollup2">really a grassroots effort to</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:12:39:24" begin="01:12:38:06" style="basic" region="rollup2">help people transition</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:41:15" begin="01:12:39:24" style="basic" region="rollup2">successfully, and to have all</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:12:42:20" begin="01:12:41:15" style="basic" region="rollup2">Wisconsinites covered by</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:12:45:12" begin="01:12:42:20" style="basic" region="rollup2">insurance.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:12:49:24" begin="01:12:46:28" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:12:53:00" begin="01:12:51:24" style="basic" region="rollup2">>> Thank you, Bill.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:12:54:20" begin="01:12:53:00" style="basic" region="rollup2">And as we talk about the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:12:56:16" begin="01:12:54:20" style="basic" region="rollup2">Marketplace or the exchanges,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:12:58:04" begin="01:12:56:16" style="basic" region="rollup2">those are interchangeable, they</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:12:59:17" begin="01:12:58:04" style="basic" region="rollup2">are both the same thing.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:13:01:00" begin="01:12:59:17" style="basic" region="rollup2">Some people use Marketplace,</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:13:02:15" begin="01:13:01:00" style="basic" region="rollup2">some exchanges.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:13:04:09" begin="01:13:02:15" style="basic" region="rollup2">I know that we've all been using</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:13:05:28" begin="01:13:04:09" style="basic" region="rollup2">both tonight, and I want to make</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:07:14" begin="01:13:05:28" style="basic" region="rollup2">sure that you understand that.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:09:02" begin="01:13:07:14" style="basic" region="rollup2">Last but not least, certainly,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:13:11:19" begin="01:13:09:02" style="basic" region="rollup2">is Jose Araujo, and Jose has</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:13:13:25" begin="01:13:11:19" style="basic" region="rollup2">over six years managing several</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:13:16:00" begin="01:13:13:25" style="basic" region="rollup2">state and federal grants.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:18:07" begin="01:13:16:00" style="basic" region="rollup2">Currently, Jose is the program</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:13:19:27" begin="01:13:18:07" style="basic" region="rollup2">director of the Navigator and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:21:27" begin="01:13:19:27" style="basic" region="rollup2">Partners Cares 4 Kids Program,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:13:23:18" begin="01:13:21:27" style="basic" region="rollup2">Volunteer Center of Sheboygan</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:13:25:15" begin="01:13:23:18" style="basic" region="rollup2">County, Hispanic American</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:13:26:28" begin="01:13:25:15" style="basic" region="rollup2">Information Center, and</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:13:28:19" begin="01:13:26:28" style="basic" region="rollup2">AmeriCorps program.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:30:22" begin="01:13:28:19" style="basic" region="rollup2">Jose holds a bachelor's degree</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:13:32:11" begin="01:13:30:22" style="basic" region="rollup2">in international business and a</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:13:33:24" begin="01:13:32:11" style="basic" region="rollup2">master's in business</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:13:35:05" begin="01:13:33:24" style="basic" region="rollup2">administration from Lakeland</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:13:36:16" begin="01:13:35:05" style="basic" region="rollup2">College.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:13:37:29" begin="01:13:36:16" style="basic" region="rollup2">He currently serves as the</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:13:39:11" begin="01:13:37:29" style="basic" region="rollup2">president of the board of</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:13:40:19" begin="01:13:39:11" style="basic" region="rollup2">directors of Mental Health</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:13:41:25" begin="01:13:40:19" style="basic" region="rollup2">America of Sheboygan County,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:13:43:05" begin="01:13:41:25" style="basic" region="rollup2">commissioner of the City of</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:44:17" begin="01:13:43:05" style="basic" region="rollup2">Sheboygan Planning Commission,</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:13:45:24" begin="01:13:44:17" style="basic" region="rollup2">vice president of the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:13:47:09" begin="01:13:45:24" style="basic" region="rollup2">Professional Hispanic Network of</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:13:49:03" begin="01:13:47:09" style="basic" region="rollup2">Sheboygan County, chair of the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:13:50:24" begin="01:13:49:03" style="basic" region="rollup2">nonprofit division of The United</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:13:52:14" begin="01:13:50:24" style="basic" region="rollup2">Way of Sheboygan County campaign</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:13:54:16" begin="01:13:52:14" style="basic" region="rollup2">committee, and that's just part</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:13:56:09" begin="01:13:54:16" style="basic" region="rollup2">of what he is doing.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:13:58:02" begin="01:13:56:09" style="basic" region="rollup2">Jose was recently named, not</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:14:01:09" begin="01:13:58:02" style="basic" region="rollup2">unsurprisingly, the Top Young</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:14:03:07" begin="01:14:01:09" style="basic" region="rollup2">Professional of the Year Award</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:14:04:24" begin="01:14:03:07" style="basic" region="rollup2">by Coastal Connections.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:14:06:25" begin="01:14:04:24" style="basic" region="rollup2">Jose moved to Sheboygan County</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:14:08:13" begin="01:14:06:25" style="basic" region="rollup2">from his homeland in Peru in</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:14:11:00" begin="01:14:08:13" style="basic" region="rollup2">2003.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:14:13:01" begin="01:14:11:00" style="basic" region="rollup2">And Jose is a navigator.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:14:14:14" begin="01:14:13:01" style="basic" region="rollup2">He is the one person that has</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:14:15:21" begin="01:14:14:14" style="basic" region="rollup2">been professionally and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:14:17:15" begin="01:14:15:21" style="basic" region="rollup2">federally trained to help all of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:14:19:13" begin="01:14:17:15" style="basic" region="rollup2">us better understand and access</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:14:21:11" begin="01:14:19:13" style="basic" region="rollup2">the Marketplace and the</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:14:23:00" begin="01:14:21:11" style="basic" region="rollup2">Affordable Care Act.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:14:24:07" begin="01:14:23:00" style="basic" region="rollup2">So we're all going to have our</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:14:25:11" begin="01:14:24:07" style="basic" region="rollup2">ears perked to hear what you</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:14:26:14" begin="01:14:25:11" style="basic" region="rollup2">have to say, Jose.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:14:28:05" begin="01:14:26:14" style="basic" region="rollup2">Welcome.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:14:30:21" begin="01:14:28:05" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:14:34:25" begin="01:14:32:24" style="basic" region="rollup2">>> Thank you very much.</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:14:37:08" begin="01:14:34:25" style="basic" region="rollup2">Is this one okay?</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:14:38:13" begin="01:14:37:08" style="basic" region="rollup2">Yes.</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:14:39:14" begin="01:14:38:13" style="basic" region="rollup2">Okay.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:14:41:04" begin="01:14:39:14" style="basic" region="rollup2">I like moving when I talk.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:14:42:21" begin="01:14:41:04" style="basic" region="rollup2">So, first disclaimer, as she</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:14:44:10" begin="01:14:42:21" style="basic" region="rollup2">mentioned, I'm from Peru so when</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:14:46:05" begin="01:14:44:10" style="basic" region="rollup2">I speak in front of crowds, I</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:14:47:10" begin="01:14:46:05" style="basic" region="rollup2">tend to get a little nervous and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:14:50:10" begin="01:14:47:10" style="basic" region="rollup2">my accent gets a little worse.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:14:53:01" begin="01:14:50:10" style="basic" region="rollup2">I apologize in advance.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:14:54:28" begin="01:14:53:01" style="basic" region="rollup2">So, I represent the navigator</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:14:56:22" begin="01:14:54:28" style="basic" region="rollup2">crowd.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:14:59:13" begin="01:14:56:22" style="basic" region="rollup2">As Bill was saying, as part of</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:15:01:14" begin="01:14:59:13" style="basic" region="rollup2">this Affordable Care Act, the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:15:04:13" begin="01:15:01:14" style="basic" region="rollup2">law created new positions,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:15:07:05" begin="01:15:04:13" style="basic" region="rollup2">per se, new roles in how are we</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:15:09:18" begin="01:15:07:05" style="basic" region="rollup2">going to hit the road and make</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:15:12:02" begin="01:15:09:18" style="basic" region="rollup2">this accessible to the people</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:15:13:20" begin="01:15:12:02" style="basic" region="rollup2">that are going to be taking</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:15:15:07" begin="01:15:13:20" style="basic" region="rollup2">advantage of the Affordable Care</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:15:16:18" begin="01:15:15:07" style="basic" region="rollup2">Act.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:15:17:28" begin="01:15:16:18" style="basic" region="rollup2">So the Affordable Care Act</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:15:19:13" begin="01:15:17:28" style="basic" region="rollup2">created, basically, four new</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:15:21:05" begin="01:15:19:13" style="basic" region="rollup2">positions, per se: the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:15:24:16" begin="01:15:21:05" style="basic" region="rollup2">mobilizers, the navigators, the</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:15:26:26" begin="01:15:24:16" style="basic" region="rollup2">certified application</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:15:30:05" begin="01:15:26:26" style="basic" region="rollup2">counselors, and there was a role</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:15:31:22" begin="01:15:30:05" style="basic" region="rollup2">that we already had that is</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:15:33:07" begin="01:15:31:22" style="basic" region="rollup2">still in there which is our</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:15:34:22" begin="01:15:33:07" style="basic" region="rollup2">friends are insurance brokers or</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:15:37:09" begin="01:15:34:22" style="basic" region="rollup2">insurance agents.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:15:38:27" begin="01:15:37:09" style="basic" region="rollup2">So the mobilizers are people,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:15:40:27" begin="01:15:38:27" style="basic" region="rollup2">like you and I, that have</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:15:43:06" begin="01:15:40:27" style="basic" region="rollup2">certain kind of information</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:15:45:00" begin="01:15:43:06" style="basic" region="rollup2">about insurance and about the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:15:47:04" begin="01:15:45:00" style="basic" region="rollup2">Affordable Care Act and are able</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:15:48:19" begin="01:15:47:04" style="basic" region="rollup2">to relay that information to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:15:50:00" begin="01:15:48:19" style="basic" region="rollup2">others and help others find</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:15:52:02" begin="01:15:50:00" style="basic" region="rollup2">help.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:15:53:21" begin="01:15:52:02" style="basic" region="rollup2">The certified application</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:15:55:13" begin="01:15:53:21" style="basic" region="rollup2">counselors and the navigators,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:15:56:23" begin="01:15:55:13" style="basic" region="rollup2">they're basically the same</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:15:57:26" begin="01:15:56:23" style="basic" region="rollup2">thing.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:15:59:08" begin="01:15:57:26" style="basic" region="rollup2">The difference in the title is</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:16:01:06" begin="01:15:59:08" style="basic" region="rollup2">where is their funding coming</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:16:02:27" begin="01:16:01:06" style="basic" region="rollup2">from.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:16:04:11" begin="01:16:02:27" style="basic" region="rollup2">Navigators, the funding is</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:06:14" begin="01:16:04:11" style="basic" region="rollup2">coming from the CMS which is the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:08:09" begin="01:16:06:14" style="basic" region="rollup2">Center for Medicaid and Medicare</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:16:09:26" begin="01:16:08:09" style="basic" region="rollup2">Services.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:16:11:18" begin="01:16:09:26" style="basic" region="rollup2">CAC, certified application</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:13:05" begin="01:16:11:18" style="basic" region="rollup2">counselors, comes from an arm of</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:16:15:19" begin="01:16:13:05" style="basic" region="rollup2">CMS which is HRSA.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:16:20:23" begin="01:16:15:19" style="basic" region="rollup2">But they're about the same.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:25:23" begin="01:16:20:23" style="basic" region="rollup2">Our goal is to bring information</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:16:28:02" begin="01:16:25:23" style="basic" region="rollup2">out to the general public, help</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:16:30:09" begin="01:16:28:02" style="basic" region="rollup2">you navigate, the term is to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:31:28" begin="01:16:30:09" style="basic" region="rollup2">navigate the website or navigate</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:33:14" begin="01:16:31:28" style="basic" region="rollup2">the entire system, and make sure</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:16:35:09" begin="01:16:33:14" style="basic" region="rollup2">that you're able to enroll.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:16:37:20" begin="01:16:35:09" style="basic" region="rollup2">We are not able to give you,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:16:40:03" begin="01:16:37:20" style="basic" region="rollup2">inform, or help you choose a</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:16:41:15" begin="01:16:40:03" style="basic" region="rollup2">plan.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:16:43:04" begin="01:16:41:15" style="basic" region="rollup2">That's why we have our agents.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:16:44:27" begin="01:16:43:04" style="basic" region="rollup2">That's why we have our brokers.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:46:20" begin="01:16:44:27" style="basic" region="rollup2">We need to remain as unbiased as</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:16:48:12" begin="01:16:46:20" style="basic" region="rollup2">possible.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:16:50:04" begin="01:16:48:12" style="basic" region="rollup2">When you, as a client, come up</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:16:51:21" begin="01:16:50:04" style="basic" region="rollup2">with questions on which plan</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:16:53:12" begin="01:16:51:21" style="basic" region="rollup2">should I choose, is plan A</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:16:55:04" begin="01:16:53:12" style="basic" region="rollup2">better than plan B, we cannot</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:16:56:18" begin="01:16:55:04" style="basic" region="rollup2">give you that answer.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:16:58:04" begin="01:16:56:18" style="basic" region="rollup2">We are not certified agents.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:16:59:21" begin="01:16:58:04" style="basic" region="rollup2">That's when we need to refer you</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:17:01:21" begin="01:16:59:21" style="basic" region="rollup2">to our friends, the brokers, and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:04:29" begin="01:17:01:21" style="basic" region="rollup2">we are becoming very acquainted</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:06:20" begin="01:17:04:29" style="basic" region="rollup2">with them in and working closer</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:17:09:06" begin="01:17:06:20" style="basic" region="rollup2">together in our communities.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:11:11" begin="01:17:09:06" style="basic" region="rollup2">The nonprofit organization that</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:17:12:28" begin="01:17:11:11" style="basic" region="rollup2">I work for, Partners for</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:14:28" begin="01:17:12:28" style="basic" region="rollup2">Community Development, is based</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:17:16:19" begin="01:17:14:28" style="basic" region="rollup2">out of Sheboygan County.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:17:18:25" begin="01:17:16:19" style="basic" region="rollup2">We've been servicing our state</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:17:21:25" begin="01:17:18:25" style="basic" region="rollup2">since 1975.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:17:23:16" begin="01:17:21:25" style="basic" region="rollup2">We have plenty of experience</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:17:25:23" begin="01:17:23:16" style="basic" region="rollup2">managing state and federal</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:17:28:23" begin="01:17:25:23" style="basic" region="rollup2">funding and programs.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:17:32:28" begin="01:17:28:23" style="basic" region="rollup2">But this program is new to us.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:17:35:20" begin="01:17:32:28" style="basic" region="rollup2">So we are going to be serving</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:17:37:13" begin="01:17:35:20" style="basic" region="rollup2">and are serving already the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:39:19" begin="01:17:37:13" style="basic" region="rollup2">counties of Ozaukee, Sheboygan,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:17:41:12" begin="01:17:39:19" style="basic" region="rollup2">Manitowoc, Kewaunee, and Door.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:17:43:00" begin="01:17:41:12" style="basic" region="rollup2">To be specific, that's where our</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:17:45:01" begin="01:17:43:00" style="basic" region="rollup2">grant was written for.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:17:47:25" begin="01:17:45:01" style="basic" region="rollup2">But the requirements from the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:49:24" begin="01:17:47:25" style="basic" region="rollup2">grant and the requirements from</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:52:05" begin="01:17:49:24" style="basic" region="rollup2">the Affordable Care Act require</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:17:53:29" begin="01:17:52:05" style="basic" region="rollup2">us to serve anyone, regardless</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:17:55:10" begin="01:17:53:29" style="basic" region="rollup2">of where they are located in the</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:17:57:12" begin="01:17:55:10" style="basic" region="rollup2">state of Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:17:59:00" begin="01:17:57:12" style="basic" region="rollup2">Our grant, in specific, is also</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:18:01:05" begin="01:17:59:00" style="basic" region="rollup2">to target the Hispanic and Hmong</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:18:02:26" begin="01:18:01:05" style="basic" region="rollup2">communities and make the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:18:04:18" begin="01:18:02:26" style="basic" region="rollup2">information that you're</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:18:06:09" begin="01:18:04:18" style="basic" region="rollup2">receiving available to them in</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:18:07:26" begin="01:18:06:09" style="basic" region="rollup2">either Spanish or Hmong.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:18:09:15" begin="01:18:07:26" style="basic" region="rollup2">Make sure that that information</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:18:11:13" begin="01:18:09:15" style="basic" region="rollup2">is relayed to them in a way that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:18:12:22" begin="01:18:11:13" style="basic" region="rollup2">they can understand it and is</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:18:14:27" begin="01:18:12:22" style="basic" region="rollup2">culturally acceptable to them.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:18:18:12" begin="01:18:14:27" style="basic" region="rollup2">So I think I'm going to try to</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:18:20:21" begin="01:18:18:12" style="basic" region="rollup2">keep it as short as I can.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:18:22:07" begin="01:18:20:21" style="basic" region="rollup2">I'm going to stop because I know</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:18:23:16" begin="01:18:22:07" style="basic" region="rollup2">there's a lot of questions out</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:18:25:02" begin="01:18:23:16" style="basic" region="rollup2">there.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:18:27:03" begin="01:18:25:02" style="basic" region="rollup2">But that's what navigators are</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:18:28:11" begin="01:18:27:03" style="basic" region="rollup2">there to do.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:18:29:20" begin="01:18:28:11" style="basic" region="rollup2">So if you ever approach a</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:18:31:01" begin="01:18:29:20" style="basic" region="rollup2">navigator or a certified</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:18:33:02" begin="01:18:31:01" style="basic" region="rollup2">application counselor, they are</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:18:35:05" begin="01:18:33:02" style="basic" region="rollup2">here to help you navigate the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:18:36:16" begin="01:18:35:05" style="basic" region="rollup2">process, but please keep in</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:18:39:19" begin="01:18:36:16" style="basic" region="rollup2">mind, we cannot give you advice</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:18:41:26" begin="01:18:39:19" style="basic" region="rollup2">on what type of program or what</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:18:45:05" begin="01:18:41:26" style="basic" region="rollup2">type of plan you should choose.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:18:46:08" begin="01:18:45:05" style="basic" region="rollup2">We can give you all the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:18:48:01" begin="01:18:46:08" style="basic" region="rollup2">information you need for you to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:18:49:29" begin="01:18:48:01" style="basic" region="rollup2">make that educated decision, but</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:18:52:02" begin="01:18:49:29" style="basic" region="rollup2">we cannot give you advice on</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:18:54:15" begin="01:18:52:02" style="basic" region="rollup2">which plan you should choose.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:18:55:27" begin="01:18:54:15" style="basic" region="rollup2">Thank you.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:18:58:09" begin="01:18:55:27" style="basic" region="rollup2">[APPLAUSE]</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:19:05:19" begin="01:19:04:05" style="basic" region="rollup2">>> Thank you, Jose.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:19:07:20" begin="01:19:05:19" style="basic" region="rollup2">And one comment, something that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:19:09:10" begin="01:19:07:20" style="basic" region="rollup2">we haven't addressed tonight but</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:19:10:24" begin="01:19:09:10" style="basic" region="rollup2">I thought I would just mention</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:19:12:05" begin="01:19:10:24" style="basic" region="rollup2">it because I think there are a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:19:13:16" begin="01:19:12:05" style="basic" region="rollup2">couple of us here who might be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:19:15:10" begin="01:19:13:16" style="basic" region="rollup2">on Medicare, and people are a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:19:17:01" begin="01:19:15:10" style="basic" region="rollup2">little confused about Medicare</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:19:18:16" begin="01:19:17:01" style="basic" region="rollup2">and some think that they have to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:19:20:22" begin="01:19:18:16" style="basic" region="rollup2">go to healthcare.gov to reapply</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:19:22:06" begin="01:19:20:22" style="basic" region="rollup2">for their Medicare or make</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:19:23:16" begin="01:19:22:06" style="basic" region="rollup2">another choice, and that is not</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:19:24:27" begin="01:19:23:16" style="basic" region="rollup2">the case.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:19:26:11" begin="01:19:24:27" style="basic" region="rollup2">That Marketplace is not for</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:19:28:06" begin="01:19:26:11" style="basic" region="rollup2">those of us on Medicare.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:19:30:03" begin="01:19:28:06" style="basic" region="rollup2">And Medicare benefits have</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:19:32:14" begin="01:19:30:03" style="basic" region="rollup2">actually been expanded some.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:19:34:08" begin="01:19:32:14" style="basic" region="rollup2">They are now including, with</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:19:35:26" begin="01:19:34:08" style="basic" region="rollup2">this new focus on prevention,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:19:37:09" begin="01:19:35:26" style="basic" region="rollup2">prevention benefits at no cost,</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:19:39:15" begin="01:19:37:09" style="basic" region="rollup2">no co-pay.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:19:41:09" begin="01:19:39:15" style="basic" region="rollup2">So it's first dollar coverage</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:19:43:10" begin="01:19:41:09" style="basic" region="rollup2">for certain prevention benefits.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:19:44:28" begin="01:19:43:10" style="basic" region="rollup2">You also get an annual wellness</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:19:46:11" begin="01:19:44:28" style="basic" region="rollup2">exam.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:19:47:25" begin="01:19:46:11" style="basic" region="rollup2">And when you make your</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:19:49:12" begin="01:19:47:25" style="basic" region="rollup2">appointment with your physician,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:19:50:29" begin="01:19:49:12" style="basic" region="rollup2">with your medical provider, make</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:19:52:15" begin="01:19:50:29" style="basic" region="rollup2">sure that you're saying that the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:19:53:23" begin="01:19:52:15" style="basic" region="rollup2">appointment is for you annual</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:19:55:04" begin="01:19:53:23" style="basic" region="rollup2">wellness exam.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:19:56:19" begin="01:19:55:04" style="basic" region="rollup2">Again, that is no cost,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:19:58:10" begin="01:19:56:19" style="basic" region="rollup2">no deductible, no co-pay.</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:20:00:14" begin="01:19:58:10" style="basic" region="rollup2">It is free.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:02:04" begin="01:20:00:14" style="basic" region="rollup2">And then, thirdly, the doughnut</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:20:03:24" begin="01:20:02:04" style="basic" region="rollup2">hole is closing, and that's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:05:15" begin="01:20:03:24" style="basic" region="rollup2">going to continue to close over</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:20:06:29" begin="01:20:05:15" style="basic" region="rollup2">the next years.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:08:24" begin="01:20:06:29" style="basic" region="rollup2">By 2020, it will be all closed.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:20:10:26" begin="01:20:08:24" style="basic" region="rollup2">So there are some new benefits</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:20:12:17" begin="01:20:10:26" style="basic" region="rollup2">that are really focused on</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:20:14:12" begin="01:20:12:17" style="basic" region="rollup2">wellness and health and the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:20:16:14" begin="01:20:14:12" style="basic" region="rollup2">common sense things that are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:19:26" begin="01:20:16:14" style="basic" region="rollup2">costing seniors more money than</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:20:22:01" begin="01:20:19:26" style="basic" region="rollup2">sometimes is affordable.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:20:23:22" begin="01:20:22:01" style="basic" region="rollup2">And, secondly, the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:25:14" begin="01:20:23:22" style="basic" region="rollup2">healthcare.gov, there's a phone</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:20:27:01" begin="01:20:25:14" style="basic" region="rollup2">number to call also that you can</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:20:28:19" begin="01:20:27:01" style="basic" region="rollup2">connect with them.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:20:33:01" begin="01:20:28:19" style="basic" region="rollup2">And that's 1-800-318-2596.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:20:35:09" begin="01:20:33:01" style="basic" region="rollup2">So make sure you write that down</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:20:36:25" begin="01:20:35:09" style="basic" region="rollup2">if you are going to be calling</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:20:38:26" begin="01:20:36:25" style="basic" region="rollup2">or contacting the Marketplace</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:20:40:08" begin="01:20:38:26" style="basic" region="rollup2">that that is one of your</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:20:41:16" begin="01:20:40:08" style="basic" region="rollup2">options.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:20:43:00" begin="01:20:41:16" style="basic" region="rollup2">There are several options on how</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:20:44:26" begin="01:20:43:00" style="basic" region="rollup2">to get into the Marketplace now.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:20:46:12" begin="01:20:44:26" style="basic" region="rollup2">With that, I want to thank all</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:20:47:13" begin="01:20:46:12" style="basic" region="rollup2">of our panelists for the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:20:48:14" begin="01:20:47:13" style="basic" region="rollup2">wonderful information.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:20:50:17" begin="01:20:48:14" style="basic" region="rollup2">I'm sure you heads are spinning,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:20:52:04" begin="01:20:50:17" style="basic" region="rollup2">and you have questions in your</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:53:22" begin="01:20:52:04" style="basic" region="rollup2">minds from different directions</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:20:55:04" begin="01:20:53:22" style="basic" region="rollup2">of what was said.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:20:56:15" begin="01:20:55:04" style="basic" region="rollup2">And the microphones are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:20:57:17" begin="01:20:56:15" style="basic" region="rollup2">available, and we have a little</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:20:58:28" begin="01:20:57:17" style="basic" region="rollup2">bit of time so we will take your</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:21:01:18" begin="01:20:58:28" style="basic" region="rollup2">questions.</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:21:05:02" begin="01:21:03:21" style="basic" region="rollup2">Yes, sir.</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:21:06:04" begin="01:21:05:02" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:21:07:18" begin="01:21:06:04" style="basic" region="rollup2">Question for Mr. Hanna.</p> <p tts:origin="10% 84.66%" tts:extent="7.5% 5.33%" end="01:21:08:22" begin="01:21:07:18" style="basic" region="rollup2">Hi.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:21:10:11" begin="01:21:08:22" style="basic" region="rollup2">Are you related to Tim?</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:21:12:29" begin="01:21:10:11" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:21:14:00" begin="01:21:12:29" style="basic" region="rollup2">Okay.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:21:16:13" begin="01:21:14:00" style="basic" region="rollup2">Welcome home.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:21:18:04" begin="01:21:16:13" style="basic" region="rollup2">Wisconsin turned down the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:21:20:03" begin="01:21:18:04" style="basic" region="rollup2">Medicare expansion, and we wound</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:21:23:03" begin="01:21:20:03" style="basic" region="rollup2">up, in this budget, paying some</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:21:24:25" begin="01:21:23:03" style="basic" region="rollup2">money to the healthcare</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:21:26:21" begin="01:21:24:25" style="basic" region="rollup2">community.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:21:28:17" begin="01:21:26:21" style="basic" region="rollup2">It's my understanding that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:21:30:29" begin="01:21:28:17" style="basic" region="rollup2">that's to make up for the harm,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:21:33:20" begin="01:21:30:29" style="basic" region="rollup2">the financial harm that turning</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:21:35:12" begin="01:21:33:20" style="basic" region="rollup2">down the expansion was all</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:21:37:06" begin="01:21:35:12" style="basic" region="rollup2">about.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:21:39:04" begin="01:21:37:06" style="basic" region="rollup2">Can you, first of all, explain</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:21:42:27" begin="01:21:39:04" style="basic" region="rollup2">that, clarify my possible</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:21:44:26" begin="01:21:42:27" style="basic" region="rollup2">misunderstanding of the purpose</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:21:47:22" begin="01:21:44:26" style="basic" region="rollup2">of this Wisconsin payment, and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:21:50:15" begin="01:21:47:22" style="basic" region="rollup2">then please tell the numbers,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:21:53:11" begin="01:21:50:15" style="basic" region="rollup2">the amount of money that we gave</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:21:57:00" begin="01:21:53:11" style="basic" region="rollup2">up and what we're paying.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:21:59:24" begin="01:21:57:00" style="basic" region="rollup2">And finally, part three of this</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:22:03:04" begin="01:21:59:24" style="basic" region="rollup2">question, it's my understanding</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:22:04:29" begin="01:22:03:04" style="basic" region="rollup2">that if healthcare providers</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:22:06:21" begin="01:22:04:29" style="basic" region="rollup2">take patients under Medicare,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:22:08:21" begin="01:22:06:21" style="basic" region="rollup2">there are some financial</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:22:10:09" begin="01:22:08:21" style="basic" region="rollup2">restrictions on what they can</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:22:12:01" begin="01:22:10:09" style="basic" region="rollup2">charge or how they're</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:22:13:16" begin="01:22:12:01" style="basic" region="rollup2">reimbursed.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:22:15:01" begin="01:22:13:16" style="basic" region="rollup2">Do those same restrictions</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:22:16:24" begin="01:22:15:01" style="basic" region="rollup2">on reimbursements apply</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:22:19:09" begin="01:22:16:24" style="basic" region="rollup2">to what we're, from our</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:22:21:00" begin="01:22:19:09" style="basic" region="rollup2">Wisconsin tax dollars,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:22:24:29" begin="01:22:21:00" style="basic" region="rollup2">paying to these physicians?</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:22:28:20" begin="01:22:24:29" style="basic" region="rollup2">Start wherever you want.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:22:29:21" begin="01:22:28:20" style="basic" region="rollup2">>> Yeah, okay, let's see if I</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:22:32:00" begin="01:22:29:21" style="basic" region="rollup2">can remember all of them.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:22:33:21" begin="01:22:32:00" style="basic" region="rollup2">The first one, I believe, was</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:22:35:09" begin="01:22:33:21" style="basic" region="rollup2">about the DISH payment, which is</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:22:36:18" begin="01:22:35:09" style="basic" region="rollup2">disproportionate shared hospital</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:22:37:20" begin="01:22:36:18" style="basic" region="rollup2">payment.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:22:39:25" begin="01:22:37:20" style="basic" region="rollup2">That is to cover uncompensated</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:22:41:28" begin="01:22:39:25" style="basic" region="rollup2">care, but that was a one time</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:22:46:15" begin="01:22:41:28" style="basic" region="rollup2">payment in this biannual budget</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:22:49:21" begin="01:22:46:15" style="basic" region="rollup2">versus an ongoing amount that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:22:52:23" begin="01:22:49:21" style="basic" region="rollup2">the state would pay to hospitals</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:22:54:06" begin="01:22:52:23" style="basic" region="rollup2">to cover uncompensated.</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:22:55:24" begin="01:22:54:06" style="basic" region="rollup2">[INAUDIBLE]</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:22:59:02" begin="01:22:55:24" style="basic" region="rollup2">I don't have budget numbers.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:23:00:27" begin="01:22:59:02" style="basic" region="rollup2">>> It was $73.5 million to the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:23:03:01" begin="01:23:00:27" style="basic" region="rollup2">hospitals for emergency coverage</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:23:05:18" begin="01:23:03:01" style="basic" region="rollup2">of care.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:23:07:19" begin="01:23:05:18" style="basic" region="rollup2">Was there some process in place</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:23:09:13" begin="01:23:07:19" style="basic" region="rollup2">by the state of Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:23:11:08" begin="01:23:09:13" style="basic" region="rollup2">to determine these people who</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:23:12:28" begin="01:23:11:08" style="basic" region="rollup2">are going to go off BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:23:14:20" begin="01:23:12:28" style="basic" region="rollup2">that had typically been on</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:23:16:11" begin="01:23:14:20" style="basic" region="rollup2">BadgerCare before and getting</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:23:18:23" begin="01:23:16:11" style="basic" region="rollup2">into the Marketplace that this</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:23:20:14" begin="01:23:18:23" style="basic" region="rollup2">would be something new and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:23:22:02" begin="01:23:20:14" style="basic" region="rollup2">different for them, they were</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:23:23:22" begin="01:23:22:02" style="basic" region="rollup2">going to have to be accountable</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:23:25:11" begin="01:23:23:22" style="basic" region="rollup2">for monthly insurance premiums,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:23:27:09" begin="01:23:25:11" style="basic" region="rollup2">co-pays, some of them don't</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:23:28:29" begin="01:23:27:09" style="basic" region="rollup2">have checking accounts, that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:23:30:15" begin="01:23:28:29" style="basic" region="rollup2">kind of thing, and there was</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:23:32:00" begin="01:23:30:15" style="basic" region="rollup2">going to be a period of</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:23:33:13" begin="01:23:32:00" style="basic" region="rollup2">transition that might be more</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:23:34:21" begin="01:23:33:13" style="basic" region="rollup2">complicated.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:23:36:06" begin="01:23:34:21" style="basic" region="rollup2">And was there some thought to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:23:38:12" begin="01:23:36:06" style="basic" region="rollup2">how some of the difficulties</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:23:40:09" begin="01:23:38:12" style="basic" region="rollup2">might be handled smoothly in</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:23:43:01" begin="01:23:40:09" style="basic" region="rollup2">Wisconsin?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:23:44:20" begin="01:23:43:01" style="basic" region="rollup2">>> So, unfortunately, I started</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:23:47:02" begin="01:23:44:20" style="basic" region="rollup2">in June of this year, which</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:23:48:28" begin="01:23:47:02" style="basic" region="rollup2">meant I missed most of the</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:23:50:00" begin="01:23:48:28" style="basic" region="rollup2">budget discussion and the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:23:51:17" begin="01:23:50:00" style="basic" region="rollup2">background behind that.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:23:53:10" begin="01:23:51:17" style="basic" region="rollup2">And that was the intention,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:23:54:12" begin="01:23:53:10" style="basic" region="rollup2">that there is going to be some</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:23:55:20" begin="01:23:54:12" style="basic" region="rollup2">turnover.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:23:56:29" begin="01:23:55:20" style="basic" region="rollup2">This transition isn't going to</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:23:58:25" begin="01:23:56:29" style="basic" region="rollup2">be 100% successful.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:24:00:15" begin="01:23:58:25" style="basic" region="rollup2">It's not going to be perfect,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:24:01:19" begin="01:24:00:15" style="basic" region="rollup2">and there will be some churning</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:24:03:06" begin="01:24:01:19" style="basic" region="rollup2">that happens which is why it was</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:24:04:15" begin="01:24:03:06" style="basic" region="rollup2">a one time initiative in this</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:24:05:14" begin="01:24:04:15" style="basic" region="rollup2">budget for this transition</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:24:07:21" begin="01:24:05:14" style="basic" region="rollup2">period.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:24:08:23" begin="01:24:07:21" style="basic" region="rollup2">>> I just bring that up because</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:24:09:28" begin="01:24:08:23" style="basic" region="rollup2">I've done a few of these panels</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:24:10:25" begin="01:24:09:28" style="basic" region="rollup2">across the state,</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:24:12:19" begin="01:24:10:25" style="basic" region="rollup2">and this comes up.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:24:14:03" begin="01:24:12:19" style="basic" region="rollup2">What about these people that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:24:15:24" begin="01:24:14:03" style="basic" region="rollup2">aren't used to this, and this</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:24:19:25" begin="01:24:15:24" style="basic" region="rollup2">is kind of a big learning curve.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:24:20:25" begin="01:24:19:25" style="basic" region="rollup2">Does that help address your</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:24:23:15" begin="01:24:20:25" style="basic" region="rollup2">question, sir?</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:24:30:15" begin="01:24:28:29" style="basic" region="rollup2">Pardon?</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:24:31:22" begin="01:24:30:15" style="basic" region="rollup2">>> You have a list on you.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:24:33:01" begin="01:24:31:22" style="basic" region="rollup2">>> If anybody would like to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:24:34:04" begin="01:24:33:01" style="basic" region="rollup2">write down a question and pass</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:24:35:08" begin="01:24:34:04" style="basic" region="rollup2">it in, I'd be happy to read it</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:24:36:14" begin="01:24:35:08" style="basic" region="rollup2">from here rather than go to the</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:24:37:24" begin="01:24:36:14" style="basic" region="rollup2">microphone.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:24:38:29" begin="01:24:37:24" style="basic" region="rollup2">We want to make sure that people</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:24:41:01" begin="01:24:38:29" style="basic" region="rollup2">have the questions, too.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:24:42:07" begin="01:24:41:01" style="basic" region="rollup2">You were standing there already,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:24:43:08" begin="01:24:42:07" style="basic" region="rollup2">so I'll take your question</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:24:44:15" begin="01:24:43:08" style="basic" region="rollup2">first, and then we'll address</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:24:45:29" begin="01:24:44:15" style="basic" region="rollup2">the question that was just</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:24:47:22" begin="01:24:45:29" style="basic" region="rollup2">handed to me.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:24:50:10" begin="01:24:47:22" style="basic" region="rollup2">>> Thank you, everyone.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:24:52:04" begin="01:24:50:10" style="basic" region="rollup2">I work for a small nonprofit in</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:24:53:20" begin="01:24:52:04" style="basic" region="rollup2">northeast Wisconsin.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:24:54:27" begin="01:24:53:20" style="basic" region="rollup2">We have less than 50 full time</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:24:56:21" begin="01:24:54:27" style="basic" region="rollup2">employees.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:24:58:12" begin="01:24:56:21" style="basic" region="rollup2">We're exploring bringing on</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:24:59:27" begin="01:24:58:12" style="basic" region="rollup2">interns, and I think if I</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:25:01:14" begin="01:24:59:27" style="basic" region="rollup2">understand correctly because we</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:25:03:01" begin="01:25:01:14" style="basic" region="rollup2">have less than 50 full time</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:25:04:21" begin="01:25:03:01" style="basic" region="rollup2">employees, we would not be</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:25:06:17" begin="01:25:04:21" style="basic" region="rollup2">required to offer health</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:25:08:05" begin="01:25:06:17" style="basic" region="rollup2">insurance benefits to our</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:25:09:22" begin="01:25:08:05" style="basic" region="rollup2">interns as well.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:25:11:05" begin="01:25:09:22" style="basic" region="rollup2">Is that a correct assumption?</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:25:12:07" begin="01:25:11:05" style="basic" region="rollup2">>> Right.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:25:13:16" begin="01:25:12:07" style="basic" region="rollup2">You're not obligated to offer</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:25:14:14" begin="01:25:13:16" style="basic" region="rollup2">insurance.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:25:16:07" begin="01:25:14:14" style="basic" region="rollup2">You can offer insurance, and as</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:25:17:25" begin="01:25:16:07" style="basic" region="rollup2">a nonprofit you would be</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:25:19:13" begin="01:25:17:25" style="basic" region="rollup2">eligible for a tax credit.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:25:20:12" begin="01:25:19:13" style="basic" region="rollup2">So you might want to explore the</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:25:21:17" begin="01:25:20:12" style="basic" region="rollup2">option.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:25:22:21" begin="01:25:21:17" style="basic" region="rollup2">>> Okay.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:25:25:05" begin="01:25:22:21" style="basic" region="rollup2">Thank you.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:25:26:13" begin="01:25:25:05" style="basic" region="rollup2">>> The question is, how will</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:25:27:26" begin="01:25:26:13" style="basic" region="rollup2">healthcare reform treat the</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:25:29:24" begin="01:25:27:26" style="basic" region="rollup2">businessman who has zero</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:25:32:19" begin="01:25:29:24" style="basic" region="rollup2">modified adjusted income?</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:25:34:02" begin="01:25:32:19" style="basic" region="rollup2">And does he qualify for</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:25:36:00" begin="01:25:34:02" style="basic" region="rollup2">BadgerCare?</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:25:38:09" begin="01:25:36:00" style="basic" region="rollup2">Can anybody?</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:25:39:20" begin="01:25:38:09" style="basic" region="rollup2">Bill.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:25:40:19" begin="01:25:39:20" style="basic" region="rollup2">>> If your monthly income is</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:25:41:17" begin="01:25:40:19" style="basic" region="rollup2">below 100% of the federal</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:25:42:27" begin="01:25:41:17" style="basic" region="rollup2">poverty level, you would be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:25:46:01" begin="01:25:42:27" style="basic" region="rollup2">eligible for BadgerCare Plus.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:25:47:12" begin="01:25:46:01" style="basic" region="rollup2">>> And can you explain that</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:25:49:11" begin="01:25:47:12" style="basic" region="rollup2">modified adjusted income</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:25:50:24" begin="01:25:49:11" style="basic" region="rollup2">because that's...</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:25:52:10" begin="01:25:50:24" style="basic" region="rollup2">Anyone on the panel,</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:25:53:14" begin="01:25:52:10" style="basic" region="rollup2">please jump in.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:25:56:04" begin="01:25:53:14" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:25:58:06" begin="01:25:56:04" style="basic" region="rollup2">>> There are...</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:25:59:16" begin="01:25:58:06" style="basic" region="rollup2">>> Not the whole text.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:26:00:19" begin="01:25:59:16" style="basic" region="rollup2">>> There are trainings that are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:26:02:24" begin="01:26:00:19" style="basic" region="rollup2">over three hours on the changes</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:26:04:10" begin="01:26:02:24" style="basic" region="rollup2">that are happening with how we</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:26:08:03" begin="01:26:04:10" style="basic" region="rollup2">calculate eligibility, and I</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:26:10:02" begin="01:26:08:03" style="basic" region="rollup2">know there are people in the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:26:11:18" begin="01:26:10:02" style="basic" region="rollup2">room that are far more</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:26:13:06" begin="01:26:11:18" style="basic" region="rollup2">knowledgeable on how that works.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:26:14:18" begin="01:26:13:06" style="basic" region="rollup2">But it's really a way of looking</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:26:16:09" begin="01:26:14:18" style="basic" region="rollup2">at how we determine what is a</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:26:18:16" begin="01:26:16:09" style="basic" region="rollup2">household.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:26:20:17" begin="01:26:18:16" style="basic" region="rollup2">And that is going to be</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:26:23:00" begin="01:26:20:17" style="basic" region="rollup2">dependent on tax filing, how you</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:26:24:16" begin="01:26:23:00" style="basic" region="rollup2">file you taxes.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:26:26:04" begin="01:26:24:16" style="basic" region="rollup2">And then there are some</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:26:27:15" begin="01:26:26:04" style="basic" region="rollup2">exceptions if you don't file</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:26:28:25" begin="01:26:27:15" style="basic" region="rollup2">taxes which get even more</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:26:30:05" begin="01:26:28:25" style="basic" region="rollup2">complicated.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:26:31:17" begin="01:26:30:05" style="basic" region="rollup2">And then it also changes what</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:26:33:21" begin="01:26:31:17" style="basic" region="rollup2">counts as income.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:26:35:17" begin="01:26:33:21" style="basic" region="rollup2">I think in the video example,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:26:37:03" begin="01:26:35:17" style="basic" region="rollup2">one of the big changes is</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:26:39:04" begin="01:26:37:03" style="basic" region="rollup2">currently child support counts</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:26:41:03" begin="01:26:39:04" style="basic" region="rollup2">as income when determining</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:26:42:25" begin="01:26:41:03" style="basic" region="rollup2">eligibility, starting January</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:26:44:14" begin="01:26:42:25" style="basic" region="rollup2">1st child support no longer</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:26:45:27" begin="01:26:44:14" style="basic" region="rollup2">counts as income.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:26:47:17" begin="01:26:45:27" style="basic" region="rollup2">So there's a laundry list of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:26:49:03" begin="01:26:47:17" style="basic" region="rollup2">things that are changing, and I</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:26:50:24" begin="01:26:49:03" style="basic" region="rollup2">can't go over all of them from</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:26:52:14" begin="01:26:50:24" style="basic" region="rollup2">the top of my head.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:26:54:29" begin="01:26:52:14" style="basic" region="rollup2">The benefit is that the way the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:26:56:17" begin="01:26:54:29" style="basic" region="rollup2">Marketplace determines</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:26:58:08" begin="01:26:56:17" style="basic" region="rollup2">eligibility is the same way that</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:26:59:24" begin="01:26:58:08" style="basic" region="rollup2">BadgerCare Plus determines</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:27:01:07" begin="01:26:59:24" style="basic" region="rollup2">eligibility.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:27:02:19" begin="01:27:01:07" style="basic" region="rollup2">In fact, the same way all</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:27:04:03" begin="01:27:02:19" style="basic" region="rollup2">Medicaid programs in any state,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:27:05:22" begin="01:27:04:03" style="basic" region="rollup2">the eligibility, the process is</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:27:07:04" begin="01:27:05:22" style="basic" region="rollup2">the same.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:27:08:24" begin="01:27:07:04" style="basic" region="rollup2">>> Jose, do you have anything to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:27:10:00" begin="01:27:08:24" style="basic" region="rollup2">add to that because I'm certain,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:27:11:07" begin="01:27:10:00" style="basic" region="rollup2">is that what you go over with</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:27:13:01" begin="01:27:11:07" style="basic" region="rollup2">people to figure out what their</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:27:14:14" begin="01:27:13:01" style="basic" region="rollup2">incomes are and what their</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:27:16:00" begin="01:27:14:14" style="basic" region="rollup2">choices might be?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:27:17:02" begin="01:27:16:00" style="basic" region="rollup2">Even though you can't help them</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:27:19:05" begin="01:27:17:02" style="basic" region="rollup2">make the choice.</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:27:20:12" begin="01:27:19:05" style="basic" region="rollup2">>> Right.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:27:22:05" begin="01:27:20:12" style="basic" region="rollup2">And to add a little bit to what</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:27:24:00" begin="01:27:22:05" style="basic" region="rollup2">Bill was saying, I think this is</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:27:26:03" begin="01:27:24:00" style="basic" region="rollup2">an important step in the right</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:27:28:07" begin="01:27:26:03" style="basic" region="rollup2">direction because having the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:27:29:29" begin="01:27:28:07" style="basic" region="rollup2">same eligibility requirements,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:27:31:18" begin="01:27:29:29" style="basic" region="rollup2">speaking of income, in the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:27:33:05" begin="01:27:31:18" style="basic" region="rollup2">Marketplace and BadgerCare</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:27:34:18" begin="01:27:33:05" style="basic" region="rollup2">program is going to make that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:27:36:03" begin="01:27:34:18" style="basic" region="rollup2">transition from one system to</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:27:38:11" begin="01:27:36:03" style="basic" region="rollup2">the other.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:27:40:06" begin="01:27:38:11" style="basic" region="rollup2">And, eventually, when this</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:27:42:05" begin="01:27:40:06" style="basic" region="rollup2">Marketplace website works</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:27:44:16" begin="01:27:42:05" style="basic" region="rollup2">properly, we're going to be able</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:27:46:05" begin="01:27:44:16" style="basic" region="rollup2">to enroll everyone through one</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:27:47:27" begin="01:27:46:05" style="basic" region="rollup2">website that's going to make the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:27:50:06" begin="01:27:47:27" style="basic" region="rollup2">choice for us on whether I'm</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:27:52:28" begin="01:27:50:06" style="basic" region="rollup2">going to have to get insurance</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:27:55:03" begin="01:27:52:28" style="basic" region="rollup2">through the Marketplace or go</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:27:57:17" begin="01:27:55:03" style="basic" region="rollup2">into the BadgerCare program.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:28:00:14" begin="01:27:57:17" style="basic" region="rollup2">So it's just simplifying things</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:28:03:08" begin="01:28:00:14" style="basic" region="rollup2">in the big scheme of things.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:28:04:11" begin="01:28:03:08" style="basic" region="rollup2">>> Does anyone else have</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:28:05:27" begin="01:28:04:11" style="basic" region="rollup2">anything to add to any of the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:28:07:03" begin="01:28:05:27" style="basic" region="rollup2">configurations on how to not</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:28:09:16" begin="01:28:07:03" style="basic" region="rollup2">make it feel so overwhelming</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:28:13:17" begin="01:28:09:16" style="basic" region="rollup2">with the Affordable Care Act?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:28:18:28" begin="01:28:15:20" style="basic" region="rollup2">Are there any other questions?</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:28:21:08" begin="01:28:18:28" style="basic" region="rollup2">Yes, sir.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:28:23:03" begin="01:28:21:08" style="basic" region="rollup2">>> A question for Lori.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:28:25:05" begin="01:28:23:03" style="basic" region="rollup2">A nonprofit, small business,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:28:28:02" begin="01:28:25:05" style="basic" region="rollup2">less than 50, would it seem to</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:28:30:17" begin="01:28:28:02" style="basic" region="rollup2">be more advantageous to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:28:32:24" begin="01:28:30:17" style="basic" region="rollup2">discontinue offering insurance</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:28:35:15" begin="01:28:32:24" style="basic" region="rollup2">because as a nonprofit the only</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:28:37:05" begin="01:28:35:15" style="basic" region="rollup2">tax credit we could get would be</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:28:39:07" begin="01:28:37:05" style="basic" region="rollup2">off of FICA?</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:28:40:28" begin="01:28:39:07" style="basic" region="rollup2">Does it seem advantageous to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:28:42:27" begin="01:28:40:28" style="basic" region="rollup2">both the employee and the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:28:44:28" begin="01:28:42:27" style="basic" region="rollup2">employer to discontinue offering</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:28:47:12" begin="01:28:44:28" style="basic" region="rollup2">healthcare, let the employees</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:28:49:01" begin="01:28:47:12" style="basic" region="rollup2">pick it up on the Marketplace,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:28:54:21" begin="01:28:49:01" style="basic" region="rollup2">and then pay them whatever a</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:28:56:16" begin="01:28:54:21" style="basic" region="rollup2">fair amount would be in order to</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:28:58:21" begin="01:28:56:16" style="basic" region="rollup2">at least duplicate their</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:29:00:05" begin="01:28:58:21" style="basic" region="rollup2">previous coverage, if not</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:29:01:12" begin="01:29:00:05" style="basic" region="rollup2">improve it?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:29:02:19" begin="01:29:01:12" style="basic" region="rollup2">Realizing, of course, there are</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:29:03:29" begin="01:29:02:19" style="basic" region="rollup2">also some tax implications on</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:29:05:22" begin="01:29:03:29" style="basic" region="rollup2">that extra stipend.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:29:06:26" begin="01:29:05:22" style="basic" region="rollup2">>> Well, first of all,</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:29:08:16" begin="01:29:06:26" style="basic" region="rollup2">is this working?</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:29:09:10" begin="01:29:08:16" style="basic" region="rollup2">I can't ever tell if it's</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:29:11:01" begin="01:29:09:10" style="basic" region="rollup2">working.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:29:12:02" begin="01:29:11:01" style="basic" region="rollup2">So you operate a nonprofit</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:29:13:07" begin="01:29:12:02" style="basic" region="rollup2">organization?</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:29:14:28" begin="01:29:13:07" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:29:16:07" begin="01:29:14:28" style="basic" region="rollup2">>> You actually would be</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:29:17:21" begin="01:29:16:07" style="basic" region="rollup2">eligible for a tax credit if you</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:29:19:10" begin="01:29:17:21" style="basic" region="rollup2">buy your health insurance</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:29:20:21" begin="01:29:19:10" style="basic" region="rollup2">through SHOP.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:29:22:19" begin="01:29:20:21" style="basic" region="rollup2">You could be eligible for a tax</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:29:25:27" begin="01:29:22:19" style="basic" region="rollup2">credit up for 35%.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:29:28:08" begin="01:29:25:27" style="basic" region="rollup2">So, for-profit businesses are</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:29:30:03" begin="01:29:28:08" style="basic" region="rollup2">eligible for a tax credit or</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:29:31:22" begin="01:29:30:03" style="basic" region="rollup2">could be eligible for a tax</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:29:33:11" begin="01:29:31:22" style="basic" region="rollup2">credit up to 50%.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:29:35:06" begin="01:29:33:11" style="basic" region="rollup2">Nonprofits are eligible up to</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:29:36:23" begin="01:29:35:06" style="basic" region="rollup2">35%.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:29:38:05" begin="01:29:36:23" style="basic" region="rollup2">So you might want to look at</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:29:39:11" begin="01:29:38:05" style="basic" region="rollup2">that.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:29:40:21" begin="01:29:39:11" style="basic" region="rollup2">It's only for plans offered</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:29:41:23" begin="01:29:40:21" style="basic" region="rollup2">through SHOP.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:29:43:03" begin="01:29:41:23" style="basic" region="rollup2">As to your individual</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:29:43:29" begin="01:29:43:03" style="basic" region="rollup2">circumstances, I really can't</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:29:45:15" begin="01:29:43:29" style="basic" region="rollup2">advise you.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:29:46:20" begin="01:29:45:15" style="basic" region="rollup2">>> Sure.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:29:47:16" begin="01:29:46:20" style="basic" region="rollup2">>> It's just one of those</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:29:48:15" begin="01:29:47:16" style="basic" region="rollup2">things, you would need to go</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:29:49:13" begin="01:29:48:15" style="basic" region="rollup2">online, look at the different</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:29:51:24" begin="01:29:49:13" style="basic" region="rollup2">plans, think about your</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:29:53:03" begin="01:29:51:24" style="basic" region="rollup2">employees' individual</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:29:55:11" begin="01:29:53:03" style="basic" region="rollup2">circumstances, and you just have</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:29:57:24" begin="01:29:55:11" style="basic" region="rollup2">to make the decision yourself.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:29:59:06" begin="01:29:57:24" style="basic" region="rollup2">>> If you don't have a tax</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:00:22" begin="01:29:59:06" style="basic" region="rollup2">liability or very minimal tax</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:03:24" begin="01:30:00:22" style="basic" region="rollup2">liability, is there any other</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:30:05:10" begin="01:30:03:24" style="basic" region="rollup2">opportunity to receive the tax</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:30:06:17" begin="01:30:05:10" style="basic" region="rollup2">credit?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:30:09:23" begin="01:30:06:17" style="basic" region="rollup2">It comes off of the tax that you</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:13:20" begin="01:30:09:23" style="basic" region="rollup2">would pay as a result of your</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:30:15:03" begin="01:30:13:20" style="basic" region="rollup2">position, correct?</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:30:18:04" begin="01:30:15:03" style="basic" region="rollup2">>> Correct.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:30:19:23" begin="01:30:18:04" style="basic" region="rollup2">But you don't, I'm sorry,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:21:25" begin="01:30:19:23" style="basic" region="rollup2">can you, what exactly are you</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:30:24:06" begin="01:30:21:25" style="basic" region="rollup2">asking?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:27:04" begin="01:30:24:06" style="basic" region="rollup2">>> Is this a deduction off of</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:30:29:08" begin="01:30:27:04" style="basic" region="rollup2">the tax that you would pay, or</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:30:31:12" begin="01:30:29:08" style="basic" region="rollup2">is this actually a credit which</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:30:32:26" begin="01:30:31:12" style="basic" region="rollup2">could actually be a positive</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:30:33:26" begin="01:30:32:26" style="basic" region="rollup2">amount beyond what you would</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:30:34:26" begin="01:30:33:26" style="basic" region="rollup2">pay?</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:30:36:00" begin="01:30:34:26" style="basic" region="rollup2">>> No.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:30:37:08" begin="01:30:36:00" style="basic" region="rollup2">I don't think so, but there</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:30:38:21" begin="01:30:37:08" style="basic" region="rollup2">might be someone, I see Mary</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:30:40:08" begin="01:30:38:21" style="basic" region="rollup2">Ellen Schill in the back.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:30:41:12" begin="01:30:40:08" style="basic" region="rollup2">Mary Ellen, you could probably</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:30:42:25" begin="01:30:41:12" style="basic" region="rollup2">answer that.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:44:20" begin="01:30:42:25" style="basic" region="rollup2">>> For a nonprofit, you don't</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:30:46:18" begin="01:30:44:20" style="basic" region="rollup2">actually pay federal taxes, so</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:30:49:01" begin="01:30:46:18" style="basic" region="rollup2">it's actually a credit that you</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:30:49:28" begin="01:30:49:01" style="basic" region="rollup2">get, a rebate so to speak.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:30:51:08" begin="01:30:49:28" style="basic" region="rollup2">>> Okay, did everybody hear</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:30:52:11" begin="01:30:51:08" style="basic" region="rollup2">that?</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:30:53:09" begin="01:30:52:11" style="basic" region="rollup2">If it's a nonprofit,</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:30:54:24" begin="01:30:53:09" style="basic" region="rollup2">it's a credit.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:30:57:08" begin="01:30:54:24" style="basic" region="rollup2">It is not a tax deduction.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:30:58:08" begin="01:30:57:08" style="basic" region="rollup2">And then there are other</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:30:59:09" begin="01:30:58:08" style="basic" region="rollup2">benefits by going through the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:31:00:22" begin="01:30:59:09" style="basic" region="rollup2">Marketplace on what's taxable</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:31:02:26" begin="01:31:00:22" style="basic" region="rollup2">income or what isn't.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:31:04:18" begin="01:31:02:26" style="basic" region="rollup2">Lori, could you explain the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:31:06:20" begin="01:31:04:18" style="basic" region="rollup2">difference because 2014 is the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:31:08:17" begin="01:31:06:20" style="basic" region="rollup2">first year of SHOP, and it's a</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:31:10:12" begin="01:31:08:17" style="basic" region="rollup2">little more limited this year</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:31:11:24" begin="01:31:10:12" style="basic" region="rollup2">than what it's going to be in</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:31:13:02" begin="01:31:11:24" style="basic" region="rollup2">2015 and on.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:31:14:25" begin="01:31:13:02" style="basic" region="rollup2">Can you explain?</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:31:15:28" begin="01:31:14:25" style="basic" region="rollup2">>> As far as the number of</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:31:17:00" begin="01:31:15:28" style="basic" region="rollup2">employees?</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:31:19:00" begin="01:31:17:00" style="basic" region="rollup2">>> No, the options.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:31:20:13" begin="01:31:19:00" style="basic" region="rollup2">There's not as many companies</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:31:23:01" begin="01:31:20:13" style="basic" region="rollup2">that are being offered out there</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:31:24:27" begin="01:31:23:01" style="basic" region="rollup2">for small employers.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:31:27:11" begin="01:31:24:27" style="basic" region="rollup2">There's only one insurer,</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:31:31:17" begin="01:31:27:11" style="basic" region="rollup2">I think.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:31:33:24" begin="01:31:31:17" style="basic" region="rollup2">>> It depends on where you are.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:31:35:27" begin="01:31:33:24" style="basic" region="rollup2">Various areas of the state have</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:31:37:21" begin="01:31:35:27" style="basic" region="rollup2">more options in SHOP.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:31:39:03" begin="01:31:37:21" style="basic" region="rollup2">>> And then the employees can</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:31:40:27" begin="01:31:39:03" style="basic" region="rollup2">only pick from that, the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:31:43:14" begin="01:31:40:27" style="basic" region="rollup2">employer picks the one company</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:31:47:05" begin="01:31:43:14" style="basic" region="rollup2">for 2014, but beginning in 2015</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:31:49:17" begin="01:31:47:05" style="basic" region="rollup2">I think it works like any other</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:31:51:17" begin="01:31:49:17" style="basic" region="rollup2">state employees or whatever.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:31:52:18" begin="01:31:51:17" style="basic" region="rollup2">They have several options of</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:31:53:19" begin="01:31:52:18" style="basic" region="rollup2">companies to pick from.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:31:54:19" begin="01:31:53:19" style="basic" region="rollup2">>> It might expand.</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:31:55:23" begin="01:31:54:19" style="basic" region="rollup2">Yeah.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:31:56:23" begin="01:31:55:23" style="basic" region="rollup2">>> Yeah.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:31:59:27" begin="01:31:56:23" style="basic" region="rollup2">>> Also, the number of employees</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:32:02:19" begin="01:31:59:27" style="basic" region="rollup2">you have will go up.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:32:04:02" begin="01:32:02:19" style="basic" region="rollup2">The number of employees that you</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:32:05:11" begin="01:32:04:02" style="basic" region="rollup2">can have to be eligible for SHOP</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:32:08:01" begin="01:32:05:11" style="basic" region="rollup2">will go up to 100 in 2016,</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:32:09:10" begin="01:32:08:01" style="basic" region="rollup2">I believe.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:32:10:28" begin="01:32:09:10" style="basic" region="rollup2">So right now it's 50 or fewer,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:32:12:21" begin="01:32:10:28" style="basic" region="rollup2">but in a couple years it will go</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:32:15:00" begin="01:32:12:21" style="basic" region="rollup2">up to 100 or fewer.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:32:17:17" begin="01:32:15:00" style="basic" region="rollup2">>> Kerry, regarding the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:32:20:05" begin="01:32:17:17" style="basic" region="rollup2">employers, does somebody have a</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:32:21:25" begin="01:32:20:05" style="basic" region="rollup2">mic for her?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:23:13" begin="01:32:21:25" style="basic" region="rollup2">You are not required to pay a</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:32:26:05" begin="01:32:23:13" style="basic" region="rollup2">penalty in 2014.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:32:28:02" begin="01:32:26:05" style="basic" region="rollup2">>> That's correct.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:32:29:04" begin="01:32:28:02" style="basic" region="rollup2">>> And how is that working with</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:32:30:11" begin="01:32:29:04" style="basic" region="rollup2">large employers?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:32:32:20" begin="01:32:30:11" style="basic" region="rollup2">Are some just not looking at the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:32:34:11" begin="01:32:32:20" style="basic" region="rollup2">Affordable Care Act and taking</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:36:05" begin="01:32:34:11" style="basic" region="rollup2">any kind of coverage or using</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:32:38:01" begin="01:32:36:05" style="basic" region="rollup2">what they had?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:39:20" begin="01:32:38:01" style="basic" region="rollup2">Do they still have to provide</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:32:40:23" begin="01:32:39:20" style="basic" region="rollup2">the essential benefits in some</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:32:42:14" begin="01:32:40:23" style="basic" region="rollup2">of the coverage?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:44:04" begin="01:32:42:14" style="basic" region="rollup2">>> There are minimum benefits</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:45:12" begin="01:32:44:04" style="basic" region="rollup2">that are required by law that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:47:12" begin="01:32:45:12" style="basic" region="rollup2">actually have been phasing in</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:32:49:25" begin="01:32:47:12" style="basic" region="rollup2">over the last few years, and so</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:32:52:10" begin="01:32:49:25" style="basic" region="rollup2">they need to continue to make</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:32:54:06" begin="01:32:52:10" style="basic" region="rollup2">sure that their plan is in</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:32:55:28" begin="01:32:54:06" style="basic" region="rollup2">compliance by meeting those</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:32:57:22" begin="01:32:55:28" style="basic" region="rollup2">requirements.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:32:59:17" begin="01:32:57:22" style="basic" region="rollup2">So, for example, many plans used</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:33:01:19" begin="01:32:59:17" style="basic" region="rollup2">to have annual limits on what</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:33:03:12" begin="01:33:01:19" style="basic" region="rollup2">the maximum benefit would be</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:33:05:08" begin="01:33:03:12" style="basic" region="rollup2">that the plan would pay out.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:33:07:00" begin="01:33:05:08" style="basic" region="rollup2">Those types of benefits have</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:08:29" begin="01:33:07:00" style="basic" region="rollup2">been falling by the wayside over</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:33:11:04" begin="01:33:08:29" style="basic" region="rollup2">the last couple of years.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:33:12:24" begin="01:33:11:04" style="basic" region="rollup2">Plans are required to cover</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:15:29" begin="01:33:12:24" style="basic" region="rollup2">dependent children up to age 26,</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:33:17:21" begin="01:33:15:29" style="basic" region="rollup2">where many used to end</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:33:19:04" begin="01:33:17:21" style="basic" region="rollup2">at age 23.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:20:07" begin="01:33:19:04" style="basic" region="rollup2">So those are the kind of changes</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:33:21:14" begin="01:33:20:07" style="basic" region="rollup2">that large employers have been</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:33:23:09" begin="01:33:21:14" style="basic" region="rollup2">making.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:33:25:05" begin="01:33:23:09" style="basic" region="rollup2">And most are continuing, I</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:33:27:20" begin="01:33:25:05" style="basic" region="rollup2">think, to offer the same types</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:33:29:01" begin="01:33:27:20" style="basic" region="rollup2">of plans that they have in the</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:33:30:13" begin="01:33:29:01" style="basic" region="rollup2">past.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:33:32:10" begin="01:33:30:13" style="basic" region="rollup2">We're not seeing many large</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:33:34:08" begin="01:33:32:10" style="basic" region="rollup2">employers, in fact, I'm not</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:33:36:05" begin="01:33:34:08" style="basic" region="rollup2">aware of any in the area that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:33:37:22" begin="01:33:36:05" style="basic" region="rollup2">have dropped their plans and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:33:39:18" begin="01:33:37:22" style="basic" region="rollup2">gone sort of the cash route</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:33:40:29" begin="01:33:39:18" style="basic" region="rollup2">I'll call it.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:33:42:06" begin="01:33:40:29" style="basic" region="rollup2">>> And there's no penalty even</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:33:43:07" begin="01:33:42:06" style="basic" region="rollup2">if it isn't?</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:33:44:05" begin="01:33:43:07" style="basic" region="rollup2">>> That's correct.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:45:13" begin="01:33:44:05" style="basic" region="rollup2">And if somebody did decide to do</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:33:46:19" begin="01:33:45:13" style="basic" region="rollup2">that, there isn't a penalty in</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:33:49:00" begin="01:33:46:19" style="basic" region="rollup2">2014.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:33:50:11" begin="01:33:49:00" style="basic" region="rollup2">>> Beginning 2015.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:51:16" begin="01:33:50:11" style="basic" region="rollup2">>> It was initially, and then it</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:33:53:05" begin="01:33:51:16" style="basic" region="rollup2">was delayed one year.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:33:54:16" begin="01:33:53:05" style="basic" region="rollup2">>> One of the other tweaks that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:56:17" begin="01:33:54:16" style="basic" region="rollup2">I don't know if it got mentioned</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:33:58:02" begin="01:33:56:17" style="basic" region="rollup2">tonight or not, but in the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:33:59:17" begin="01:33:58:02" style="basic" region="rollup2">Marketplace it's open enrollment</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:34:01:07" begin="01:33:59:17" style="basic" region="rollup2">until March 31.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:34:02:25" begin="01:34:01:07" style="basic" region="rollup2">But you needed to have,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:34:04:08" begin="01:34:02:25" style="basic" region="rollup2">originally you needed to have</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:34:05:22" begin="01:34:04:08" style="basic" region="rollup2">your insurance in place by March</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:34:07:13" begin="01:34:05:22" style="basic" region="rollup2">31st, which meant that you</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:34:09:07" begin="01:34:07:13" style="basic" region="rollup2">needed to be enrolled by</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:34:12:03" begin="01:34:09:07" style="basic" region="rollup2">February 15th because you needed</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:34:14:15" begin="01:34:12:03" style="basic" region="rollup2">it by March because April 1st</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:34:15:27" begin="01:34:14:15" style="basic" region="rollup2">would have been too late.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:34:17:08" begin="01:34:15:27" style="basic" region="rollup2">Well, now they've changed that,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:34:19:03" begin="01:34:17:08" style="basic" region="rollup2">and you can enroll as late as</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:34:21:02" begin="01:34:19:03" style="basic" region="rollup2">March 31st and there is no</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:34:24:07" begin="01:34:21:02" style="basic" region="rollup2">individual mandate penalty.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:34:26:03" begin="01:34:24:07" style="basic" region="rollup2">So they have extended the</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:34:27:23" begin="01:34:26:03" style="basic" region="rollup2">enrollment.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:34:29:12" begin="01:34:27:23" style="basic" region="rollup2">So that's an important point</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:34:30:22" begin="01:34:29:12" style="basic" region="rollup2">too.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:34:32:26" begin="01:34:30:22" style="basic" region="rollup2">That was just changed.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:34:34:02" begin="01:34:32:26" style="basic" region="rollup2">Any other?</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:34:35:00" begin="01:34:34:02" style="basic" region="rollup2">Let's see.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:34:35:29" begin="01:34:35:00" style="basic" region="rollup2">Oh, there you are.</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:34:37:02" begin="01:34:35:29" style="basic" region="rollup2">Yes.</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:34:38:05" begin="01:34:37:02" style="basic" region="rollup2">Please.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:34:40:03" begin="01:34:38:05" style="basic" region="rollup2">>> Carol, you mentioned that</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:34:42:13" begin="01:34:40:03" style="basic" region="rollup2">some of these forums that you've</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:34:44:06" begin="01:34:42:13" style="basic" region="rollup2">done, the issue of the state</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:34:46:08" begin="01:34:44:06" style="basic" region="rollup2">taking the $73 million from the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:34:49:20" begin="01:34:46:08" style="basic" region="rollup2">federal government for aid to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:34:52:16" begin="01:34:49:20" style="basic" region="rollup2">emergency rooms has come up</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:34:55:04" begin="01:34:52:16" style="basic" region="rollup2">several times.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:34:56:03" begin="01:34:55:04" style="basic" region="rollup2">>> It wasn't from the federal</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:34:57:02" begin="01:34:56:03" style="basic" region="rollup2">government; it was from the</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:34:58:02" begin="01:34:57:02" style="basic" region="rollup2">state.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:34:59:02" begin="01:34:58:02" style="basic" region="rollup2">>> Pardon?</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:34:59:29" begin="01:34:59:02" style="basic" region="rollup2">>> It's from the state.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:35:01:24" begin="01:34:59:29" style="basic" region="rollup2">The state gave the hospitals</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:35:03:19" begin="01:35:01:24" style="basic" region="rollup2">$73.5 million.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:35:05:01" begin="01:35:03:19" style="basic" region="rollup2">>> All right then.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:35:06:04" begin="01:35:05:01" style="basic" region="rollup2">Please educate me.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:35:07:01" begin="01:35:06:04" style="basic" region="rollup2">I'm under the impression,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:35:08:14" begin="01:35:07:01" style="basic" region="rollup2">though, that there was a federal</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:35:10:23" begin="01:35:08:14" style="basic" region="rollup2">amount of money that the state</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:35:14:04" begin="01:35:10:23" style="basic" region="rollup2">of Wisconsin took, federal funds</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:35:17:22" begin="01:35:14:04" style="basic" region="rollup2">not state funds, that are to be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:35:21:28" begin="01:35:17:22" style="basic" region="rollup2">used to supplement the income</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:35:24:17" begin="01:35:21:28" style="basic" region="rollup2">that will be lost by an influx</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:35:26:12" begin="01:35:24:17" style="basic" region="rollup2">of people coming to the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:35:28:14" begin="01:35:26:12" style="basic" region="rollup2">emergency rooms in the coming</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:35:30:25" begin="01:35:28:14" style="basic" region="rollup2">year, particularly those people</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:35:31:27" begin="01:35:30:25" style="basic" region="rollup2">who were removed from</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:35:33:27" begin="01:35:31:27" style="basic" region="rollup2">BadgerCare.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:35:35:29" begin="01:35:33:27" style="basic" region="rollup2">Am I mistaken?</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:35:37:01" begin="01:35:35:29" style="basic" region="rollup2">>> I don't know about the</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:35:37:28" begin="01:35:37:01" style="basic" region="rollup2">federal dollars.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:35:39:02" begin="01:35:37:28" style="basic" region="rollup2">I do know that the state</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:35:41:17" begin="01:35:39:02" style="basic" region="rollup2">legislature gave to the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:35:44:01" begin="01:35:41:17" style="basic" region="rollup2">hospitals for emergency room</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:35:45:28" begin="01:35:44:01" style="basic" region="rollup2">$73.5 million.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:35:47:04" begin="01:35:45:28" style="basic" region="rollup2">>> Yeah, okay.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:35:48:14" begin="01:35:47:04" style="basic" region="rollup2">Do you know where that money</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:35:50:11" begin="01:35:48:14" style="basic" region="rollup2">came from?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:35:53:10" begin="01:35:50:11" style="basic" region="rollup2">>> I can offer some comments.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:35:55:19" begin="01:35:53:10" style="basic" region="rollup2">The state of Wisconsin had got</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:35:57:19" begin="01:35:55:19" style="basic" region="rollup2">$38 million to set up a state</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:35:59:29" begin="01:35:57:19" style="basic" region="rollup2">exchange, a state marketplace,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:36:02:11" begin="01:35:59:29" style="basic" region="rollup2">under Governor Doyle, and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:36:04:08" begin="01:36:02:11" style="basic" region="rollup2">Governor Walker chose to give</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:36:06:02" begin="01:36:04:08" style="basic" region="rollup2">that $38 million back because we</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:36:07:26" begin="01:36:06:02" style="basic" region="rollup2">didn't set up a state exchange.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:36:09:16" begin="01:36:07:26" style="basic" region="rollup2">We're, instead, using the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:36:11:14" begin="01:36:09:16" style="basic" region="rollup2">federal facilitated Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:13:12" begin="01:36:11:14" style="basic" region="rollup2">One of the economic impacts of</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:15:10" begin="01:36:13:12" style="basic" region="rollup2">rejecting the federal funds to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:17:05" begin="01:36:15:10" style="basic" region="rollup2">fully expand Medicaid, because</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:36:18:20" begin="01:36:17:05" style="basic" region="rollup2">we're partially expanding.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:20:12" begin="01:36:18:20" style="basic" region="rollup2">We're expanding for under 100%</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:36:22:05" begin="01:36:20:12" style="basic" region="rollup2">of federal poverty for many</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:36:24:01" begin="01:36:22:05" style="basic" region="rollup2">people who need health coverage,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:25:21" begin="01:36:24:01" style="basic" region="rollup2">but we're asking folks who are</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:36:27:10" begin="01:36:25:21" style="basic" region="rollup2">above 100%, some of whom are on</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:36:28:25" begin="01:36:27:10" style="basic" region="rollup2">BadgerCare, to move to the</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:36:30:09" begin="01:36:28:25" style="basic" region="rollup2">federal exchange.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:36:31:26" begin="01:36:30:09" style="basic" region="rollup2">We're not doing a full Medicaid</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:36:33:05" begin="01:36:31:26" style="basic" region="rollup2">expansion.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:36:34:16" begin="01:36:33:05" style="basic" region="rollup2">So some of the economic</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:36:35:25" begin="01:36:34:16" style="basic" region="rollup2">consequences of making those</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:37:08" begin="01:36:35:25" style="basic" region="rollup2">choices is that we miss out on</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:36:39:25" begin="01:36:37:08" style="basic" region="rollup2">$940 million in federal funds</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:36:43:01" begin="01:36:39:25" style="basic" region="rollup2">for Wisconsin healthcare in 2016</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:36:45:20" begin="01:36:43:01" style="basic" region="rollup2">and $4.4 billion in federal</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:36:47:28" begin="01:36:45:20" style="basic" region="rollup2">funds over the next decade.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:36:50:00" begin="01:36:47:28" style="basic" region="rollup2">It adds $50 million to Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:36:51:17" begin="01:36:50:00" style="basic" region="rollup2">taxpayers in the current</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:36:53:08" begin="01:36:51:17" style="basic" region="rollup2">biennium, 2013-2015, and large</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:36:56:07" begin="01:36:53:08" style="basic" region="rollup2">employers may end up paying</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:36:58:11" begin="01:36:56:07" style="basic" region="rollup2">$20 million to $30 million in</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:37:00:10" begin="01:36:58:11" style="basic" region="rollup2">federal tax penalties for about</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:37:02:04" begin="01:37:00:10" style="basic" region="rollup2">12,000 uninsured employees</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:37:04:11" begin="01:37:02:04" style="basic" region="rollup2">in 2015.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:37:06:04" begin="01:37:04:11" style="basic" region="rollup2">We also won't be creating new</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:37:07:21" begin="01:37:06:04" style="basic" region="rollup2">jobs because new federal money</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:37:09:16" begin="01:37:07:21" style="basic" region="rollup2">brings in resources for economic</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:37:11:13" begin="01:37:09:16" style="basic" region="rollup2">development, not only hospital</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:37:13:07" begin="01:37:11:13" style="basic" region="rollup2">systems but the supply chain.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:37:15:04" begin="01:37:13:07" style="basic" region="rollup2">So, one of the reasons this</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:37:17:02" begin="01:37:15:04" style="basic" region="rollup2">happened is that under the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:37:18:28" begin="01:37:17:02" style="basic" region="rollup2">Affordable Care Act the federal</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:37:20:23" begin="01:37:18:28" style="basic" region="rollup2">funds that would come in to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:37:22:21" begin="01:37:20:23" style="basic" region="rollup2">cover Medicaid beneficiaries</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:37:24:09" begin="01:37:22:21" style="basic" region="rollup2">would be at 100%.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:37:25:22" begin="01:37:24:09" style="basic" region="rollup2">The state wouldn't have to pay</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:37:27:26" begin="01:37:25:22" style="basic" region="rollup2">any of that for a few years.</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:37:28:25" begin="01:37:27:26" style="basic" region="rollup2">>> Right.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:37:30:07" begin="01:37:28:25" style="basic" region="rollup2">>> Whereas, the current</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:37:31:28" begin="01:37:30:07" style="basic" region="rollup2">arrangement is a federal/state</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:37:33:14" begin="01:37:31:28" style="basic" region="rollup2">match.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:37:35:04" begin="01:37:33:14" style="basic" region="rollup2">About 60% federal money,</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:37:37:08" begin="01:37:35:04" style="basic" region="rollup2">40% state.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:37:39:05" begin="01:37:37:08" style="basic" region="rollup2">So by not accepting 100% federal</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:37:41:26" begin="01:37:39:05" style="basic" region="rollup2">money to fully expand Medicaid,</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:37:44:17" begin="01:37:41:26" style="basic" region="rollup2">we continue that 60/40</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:37:46:12" begin="01:37:44:17" style="basic" region="rollup2">arrangement, and that costs the</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:37:48:02" begin="01:37:46:12" style="basic" region="rollup2">state a bit more.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:37:49:11" begin="01:37:48:02" style="basic" region="rollup2">Well, quite a bit more.</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:37:50:26" begin="01:37:49:11" style="basic" region="rollup2">$50 million more.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:37:52:02" begin="01:37:50:26" style="basic" region="rollup2">>> I just conclude by asking, as</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:37:53:17" begin="01:37:52:02" style="basic" region="rollup2">I said, I could stand corrected,</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:37:55:11" begin="01:37:53:17" style="basic" region="rollup2">but I feel certain that I read</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:37:56:28" begin="01:37:55:11" style="basic" region="rollup2">there was a match for this</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:37:58:17" begin="01:37:56:28" style="basic" region="rollup2">$73 million.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:37:59:27" begin="01:37:58:17" style="basic" region="rollup2">I think half of it was federal</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:38:01:01" begin="01:37:59:27" style="basic" region="rollup2">money and half of it may have</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:38:02:18" begin="01:38:01:01" style="basic" region="rollup2">been state money.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:38:03:23" begin="01:38:02:18" style="basic" region="rollup2">And I'm just saying to a</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:38:05:14" begin="01:38:03:23" style="basic" region="rollup2">layperson, it seems like a mixed</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:38:08:12" begin="01:38:05:14" style="basic" region="rollup2">message related to anticipating</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:38:10:17" begin="01:38:08:12" style="basic" region="rollup2">more people flooding emergency</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:38:12:12" begin="01:38:10:17" style="basic" region="rollup2">rooms when really and truly they</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:38:14:03" begin="01:38:12:12" style="basic" region="rollup2">were anticipated to have used</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:38:15:28" begin="01:38:14:03" style="basic" region="rollup2">the Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:38:16:28" begin="01:38:15:28" style="basic" region="rollup2">>> Right.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:38:18:05" begin="01:38:16:28" style="basic" region="rollup2">It's the opposite of what we</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:38:19:23" begin="01:38:18:05" style="basic" region="rollup2">were trying to accomplish is</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:38:21:07" begin="01:38:19:23" style="basic" region="rollup2">having less people use the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:38:22:23" begin="01:38:21:07" style="basic" region="rollup2">emergency room for healthcare.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:38:24:19" begin="01:38:22:23" style="basic" region="rollup2">It is not the most cost</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:38:26:07" begin="01:38:24:19" style="basic" region="rollup2">effective, and it's only</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:38:27:28" begin="01:38:26:07" style="basic" region="rollup2">treating the moment.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:38:29:20" begin="01:38:27:28" style="basic" region="rollup2">But I will certainly will double</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:38:31:08" begin="01:38:29:20" style="basic" region="rollup2">check all of that, and if you</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:38:32:26" begin="01:38:31:08" style="basic" region="rollup2">give me your name and address</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:38:34:17" begin="01:38:32:26" style="basic" region="rollup2">and if anybody else wants to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:38:36:05" begin="01:38:34:17" style="basic" region="rollup2">take, Bill, if you want to take</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:38:37:15" begin="01:38:36:05" style="basic" region="rollup2">some responsibility to get back</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:38:39:00" begin="01:38:37:15" style="basic" region="rollup2">to the gentleman.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:38:40:00" begin="01:38:39:00" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:38:41:11" begin="01:38:40:00" style="basic" region="rollup2">To understand because we need</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:38:42:27" begin="01:38:41:11" style="basic" region="rollup2">to have the accurate</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:38:44:09" begin="01:38:42:27" style="basic" region="rollup2">information.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:38:45:06" begin="01:38:44:09" style="basic" region="rollup2">That is the most important</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:38:47:10" begin="01:38:45:06" style="basic" region="rollup2">thing.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:38:49:11" begin="01:38:47:10" style="basic" region="rollup2">It's not to really promote one</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:38:51:10" begin="01:38:49:11" style="basic" region="rollup2">thing versus another, but it's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:38:52:21" begin="01:38:51:10" style="basic" region="rollup2">to have accurate information so</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:38:54:29" begin="01:38:52:21" style="basic" region="rollup2">we all know how to move forward.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:38:55:23" begin="01:38:54:29" style="basic" region="rollup2">>> Could I ask a quick question,</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:38:57:08" begin="01:38:55:23" style="basic" region="rollup2">Carol?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:38:58:21" begin="01:38:57:08" style="basic" region="rollup2">Can a panelist ask a question?</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:38:59:18" begin="01:38:58:21" style="basic" region="rollup2">>> Oh, yes.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:39:01:02" begin="01:38:59:18" style="basic" region="rollup2">>> Just wondering, is there a</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:39:02:28" begin="01:39:01:02" style="basic" region="rollup2">deadline?</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:39:04:13" begin="01:39:02:28" style="basic" region="rollup2">Is it possible to change our</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:39:05:26" begin="01:39:04:13" style="basic" region="rollup2">minds?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:39:06:28" begin="01:39:05:26" style="basic" region="rollup2">Could Wisconsin decide to accept</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:39:08:03" begin="01:39:06:28" style="basic" region="rollup2">that money?</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:39:09:29" begin="01:39:08:03" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:39:10:26" begin="01:39:09:29" style="basic" region="rollup2">Yes.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:39:11:27" begin="01:39:10:26" style="basic" region="rollup2">>> At some time?</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:39:12:26" begin="01:39:11:27" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:39:13:24" begin="01:39:12:26" style="basic" region="rollup2">>> What's the cut-off?</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:39:15:09" begin="01:39:13:24" style="basic" region="rollup2">>> We have three years that we</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:39:18:02" begin="01:39:15:09" style="basic" region="rollup2">could get 100% of the Medicaid</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:39:19:19" begin="01:39:18:02" style="basic" region="rollup2">expansion money beginning</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:39:21:08" begin="01:39:19:19" style="basic" region="rollup2">January 1st.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:39:23:20" begin="01:39:21:08" style="basic" region="rollup2">If we change our minds January</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:39:27:04" begin="01:39:23:20" style="basic" region="rollup2">1, 2015, we have two years.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:39:28:09" begin="01:39:27:04" style="basic" region="rollup2">>> Okay.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:39:29:22" begin="01:39:28:09" style="basic" region="rollup2">>> If we change our mind in</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:39:31:19" begin="01:39:29:22" style="basic" region="rollup2">2016, we have one year.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:39:33:04" begin="01:39:31:19" style="basic" region="rollup2">And then it goes down to 95% and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:39:34:22" begin="01:39:33:04" style="basic" region="rollup2">then, I believe, to 90% and then</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:39:35:24" begin="01:39:34:22" style="basic" region="rollup2">it holds.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:39:36:29" begin="01:39:35:24" style="basic" region="rollup2">Am I correct, John?</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:39:39:07" begin="01:39:36:29" style="basic" region="rollup2">>> Right.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:39:40:22" begin="01:39:39:07" style="basic" region="rollup2">>> Please correct me if I'm</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:39:43:09" begin="01:39:40:22" style="basic" region="rollup2">saying anything incorrect.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:39:44:09" begin="01:39:43:09" style="basic" region="rollup2">But that's my understanding.</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:39:45:08" begin="01:39:44:09" style="basic" region="rollup2">Yes.</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:39:46:03" begin="01:39:45:08" style="basic" region="rollup2">>> Good evening.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:39:48:03" begin="01:39:46:03" style="basic" region="rollup2">My question is for Mr. Hanna.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:39:49:23" begin="01:39:48:03" style="basic" region="rollup2">I am part of this volunteer</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:39:52:07" begin="01:39:49:23" style="basic" region="rollup2">group that is trying to reach</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:39:54:11" begin="01:39:52:07" style="basic" region="rollup2">these thousands of people who</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:39:55:22" begin="01:39:54:11" style="basic" region="rollup2">have received these</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:39:57:09" begin="01:39:55:22" style="basic" region="rollup2">disconcerting letters saying</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:39:58:24" begin="01:39:57:09" style="basic" region="rollup2">you're not longer going to be</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:40:00:13" begin="01:39:58:24" style="basic" region="rollup2">eligible for BadgerCare.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:02:19" begin="01:40:00:13" style="basic" region="rollup2">And I know you talked about the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:40:04:13" begin="01:40:02:19" style="basic" region="rollup2">grassroots effort and what the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:40:06:06" begin="01:40:04:13" style="basic" region="rollup2">state's trying to do, but, quite</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:08:19" begin="01:40:06:06" style="basic" region="rollup2">honestly, there are going to be</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:10:07" begin="01:40:08:19" style="basic" region="rollup2">thousands of people who have no</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:40:11:27" begin="01:40:10:07" style="basic" region="rollup2">clue what to do.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:13:16" begin="01:40:11:27" style="basic" region="rollup2">I am happy to hear that they'll</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:40:15:01" begin="01:40:13:16" style="basic" region="rollup2">be getting a copy of the paper</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:40:16:26" begin="01:40:15:01" style="basic" region="rollup2">application, but I'm working</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:18:14" begin="01:40:16:26" style="basic" region="rollup2">with groups here locally in the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:40:20:06" begin="01:40:18:14" style="basic" region="rollup2">Fox Cities to try to see how are</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:40:22:06" begin="01:40:20:06" style="basic" region="rollup2">we going to reach people.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:40:23:29" begin="01:40:22:06" style="basic" region="rollup2">Maybe we can have volunteers,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:25:24" begin="01:40:23:29" style="basic" region="rollup2">and that seems kind of crazy to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:40:27:24" begin="01:40:25:24" style="basic" region="rollup2">me that the most needy in our</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:40:29:29" begin="01:40:27:24" style="basic" region="rollup2">population who probably don't</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:40:31:18" begin="01:40:29:29" style="basic" region="rollup2">have a computer at home who look</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:40:34:16" begin="01:40:31:18" style="basic" region="rollup2">at this 11-page application</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:40:36:15" begin="01:40:34:16" style="basic" region="rollup2">and say, oh, my,</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:40:38:15" begin="01:40:36:15" style="basic" region="rollup2">what am I going to do?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:40:41:03" begin="01:40:38:15" style="basic" region="rollup2">There is not enough state effort</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:40:43:13" begin="01:40:41:03" style="basic" region="rollup2">being put towards assisting or</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:40:45:24" begin="01:40:43:13" style="basic" region="rollup2">making a real concerted effort</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:40:48:00" begin="01:40:45:24" style="basic" region="rollup2">to get to these people.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:40:49:28" begin="01:40:48:00" style="basic" region="rollup2">I'm trying in my city of</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:40:51:20" begin="01:40:49:28" style="basic" region="rollup2">Kaukauna to do something in our</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:40:53:12" begin="01:40:51:20" style="basic" region="rollup2">library, but it shouldn't, quite</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:40:54:29" begin="01:40:53:12" style="basic" region="rollup2">honestly, be a grassroots</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:40:56:13" begin="01:40:54:29" style="basic" region="rollup2">effort.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:40:58:05" begin="01:40:56:13" style="basic" region="rollup2">It should be a real standardized</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:41:00:28" begin="01:40:58:05" style="basic" region="rollup2">effort.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:41:02:13" begin="01:41:00:28" style="basic" region="rollup2">We're working with a local</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:41:04:21" begin="01:41:02:13" style="basic" region="rollup2">partnership, but it's going to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:41:06:14" begin="01:41:04:21" style="basic" region="rollup2">be a real hit or miss and there</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:41:08:10" begin="01:41:06:14" style="basic" region="rollup2">are going to be, I think,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:41:10:05" begin="01:41:08:10" style="basic" region="rollup2">hundreds and hundreds of people</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:41:11:24" begin="01:41:10:05" style="basic" region="rollup2">who don't enroll either because</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:41:13:10" begin="01:41:11:24" style="basic" region="rollup2">they have no clue where to go.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:41:14:25" begin="01:41:13:10" style="basic" region="rollup2">Are you going to publicize to</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:41:16:08" begin="01:41:14:25" style="basic" region="rollup2">these recipients, other than</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:41:18:26" begin="01:41:16:08" style="basic" region="rollup2">healthcare.gov, where locally or</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:41:20:16" begin="01:41:18:26" style="basic" region="rollup2">in the state they can go for</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:41:22:05" begin="01:41:20:16" style="basic" region="rollup2">help?</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:41:23:23" begin="01:41:22:05" style="basic" region="rollup2">Because, to me, this is a</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:41:25:02" begin="01:41:23:23" style="basic" region="rollup2">crucial part of this being a</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:41:27:26" begin="01:41:25:02" style="basic" region="rollup2">success.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:41:29:10" begin="01:41:27:26" style="basic" region="rollup2">>> So, a couple things.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:41:31:04" begin="01:41:29:10" style="basic" region="rollup2">The reason we went with this</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:41:33:12" begin="01:41:31:04" style="basic" region="rollup2">strategy is from passed</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:41:35:24" begin="01:41:33:12" style="basic" region="rollup2">experience with Medicare Part D,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:41:38:26" begin="01:41:35:24" style="basic" region="rollup2">spent lots of money but very few</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:41:40:24" begin="01:41:38:26" style="basic" region="rollup2">people signed up at the</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:41:42:21" begin="01:41:40:24" style="basic" region="rollup2">beginning.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:41:44:16" begin="01:41:42:21" style="basic" region="rollup2">And, in fact, most people found</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:41:46:20" begin="01:41:44:16" style="basic" region="rollup2">out about signing up for Part D</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:41:48:26" begin="01:41:46:20" style="basic" region="rollup2">not through some big public</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:41:50:13" begin="01:41:48:26" style="basic" region="rollup2">service announcement but from</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:41:51:18" begin="01:41:50:13" style="basic" region="rollup2">talking to people locally.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:41:53:19" begin="01:41:51:18" style="basic" region="rollup2">Talking to a friend or a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:41:55:07" begin="01:41:53:19" style="basic" region="rollup2">colleague that got it, talking</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:41:57:05" begin="01:41:55:07" style="basic" region="rollup2">to their pharmacist that got it.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:41:58:24" begin="01:41:57:05" style="basic" region="rollup2">In addition, there's been some</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:42:00:25" begin="01:41:58:24" style="basic" region="rollup2">national research done by Enroll</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:42:04:00" begin="01:42:00:25" style="basic" region="rollup2">America that shows that the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:42:06:17" begin="01:42:04:00" style="basic" region="rollup2">effective messaging comes when</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:42:08:01" begin="01:42:06:17" style="basic" region="rollup2">somebody receives a message from</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:42:09:13" begin="01:42:08:01" style="basic" region="rollup2">somebody they trust.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:42:11:07" begin="01:42:09:13" style="basic" region="rollup2">That could be a doctor, that</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:42:12:20" begin="01:42:11:07" style="basic" region="rollup2">could be a colleague, it could</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:42:14:04" begin="01:42:12:20" style="basic" region="rollup2">be their income maintenance</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:42:15:11" begin="01:42:14:04" style="basic" region="rollup2">agency.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:42:16:21" begin="01:42:15:11" style="basic" region="rollup2">So really, the research shows</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:42:18:01" begin="01:42:16:21" style="basic" region="rollup2">that the grassroots effort is</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:42:19:15" begin="01:42:18:01" style="basic" region="rollup2">the best way to get the message</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:42:20:19" begin="01:42:19:15" style="basic" region="rollup2">out.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:42:22:02" begin="01:42:20:19" style="basic" region="rollup2">>> I don't disagree with that,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:42:24:14" begin="01:42:22:02" style="basic" region="rollup2">but what are we doing to have</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:42:27:12" begin="01:42:24:14" style="basic" region="rollup2">people in each larger population</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:42:30:02" begin="01:42:27:12" style="basic" region="rollup2">center who have been trained?</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:42:32:02" begin="01:42:30:02" style="basic" region="rollup2">Other than being a CAC or</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:42:33:12" begin="01:42:32:02" style="basic" region="rollup2">navigator.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:42:34:25" begin="01:42:33:12" style="basic" region="rollup2">I understand that.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:42:36:27" begin="01:42:34:25" style="basic" region="rollup2">But do you understand what I'm</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:42:38:01" begin="01:42:36:27" style="basic" region="rollup2">saying?</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:42:39:15" begin="01:42:38:01" style="basic" region="rollup2">I agree the trust has to be</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:42:42:03" begin="01:42:39:15" style="basic" region="rollup2">there, but how do we ensure that</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:42:43:17" begin="01:42:42:03" style="basic" region="rollup2">we're going to reach the</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:42:46:05" begin="01:42:43:17" style="basic" region="rollup2">majority of people?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:42:47:19" begin="01:42:46:05" style="basic" region="rollup2">>> So then, again, it's part of</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:42:49:07" begin="01:42:47:19" style="basic" region="rollup2">those regional enrollment</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:42:50:15" begin="01:42:49:07" style="basic" region="rollup2">networks.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:42:53:13" begin="01:42:50:15" style="basic" region="rollup2">We have a staff person from Area</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:42:55:12" begin="01:42:53:13" style="basic" region="rollup2">Administration, one of my staff</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:42:56:29" begin="01:42:55:12" style="basic" region="rollup2">person, that's representing the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:42:58:19" begin="01:42:56:29" style="basic" region="rollup2">department in each region.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:43:01:15" begin="01:42:58:19" style="basic" region="rollup2">We have an AmeriCorps member</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:43:03:09" begin="01:43:01:15" style="basic" region="rollup2">that's sponsored by the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:43:05:02" begin="01:43:03:09" style="basic" region="rollup2">Wisconsin Primary Healthcare</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:43:06:24" begin="01:43:05:02" style="basic" region="rollup2">Association and DHS that's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:08:08" begin="01:43:06:24" style="basic" region="rollup2">coordinating the effort in each</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:43:09:15" begin="01:43:08:08" style="basic" region="rollup2">region.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:43:11:05" begin="01:43:09:15" style="basic" region="rollup2">We also have a lead agency</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:43:12:24" begin="01:43:11:05" style="basic" region="rollup2">that's agreed to kind of</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:43:14:21" begin="01:43:12:24" style="basic" region="rollup2">spearhead the effort.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:43:17:00" begin="01:43:14:21" style="basic" region="rollup2">If you're not plugged in to a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:43:18:29" begin="01:43:17:00" style="basic" region="rollup2">regional enrollment network, I</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:43:20:29" begin="01:43:18:29" style="basic" region="rollup2">encourage you to get plugged in.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:43:22:13" begin="01:43:20:29" style="basic" region="rollup2">You can find that information on</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:43:23:07" begin="01:43:22:13" style="basic" region="rollup2">our website.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:43:24:12" begin="01:43:23:07" style="basic" region="rollup2">>> Right, and I am</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:43:26:02" begin="01:43:24:12" style="basic" region="rollup2">to one that we have here.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:28:18" begin="01:43:26:02" style="basic" region="rollup2">>> So that is the method we use</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:30:17" begin="01:43:28:18" style="basic" region="rollup2">to get the information out, and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:32:09" begin="01:43:30:17" style="basic" region="rollup2">if regional enrollment networks</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:43:33:20" begin="01:43:32:09" style="basic" region="rollup2">need resources, need</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:43:35:00" begin="01:43:33:20" style="basic" region="rollup2">information, that's what the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:36:12" begin="01:43:35:00" style="basic" region="rollup2">department is here to do, is to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:43:37:19" begin="01:43:36:12" style="basic" region="rollup2">provide them the training, the</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:38:23" begin="01:43:37:19" style="basic" region="rollup2">resources, the information they</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:43:40:05" begin="01:43:38:23" style="basic" region="rollup2">need to help deliver that</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:43:41:16" begin="01:43:40:05" style="basic" region="rollup2">message from a trusted source</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:43:42:23" begin="01:43:41:16" style="basic" region="rollup2">locally.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:43:44:20" begin="01:43:42:23" style="basic" region="rollup2">>> Okay, thank you.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:43:45:24" begin="01:43:44:20" style="basic" region="rollup2">>> Just to add to that,</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:43:48:04" begin="01:43:45:24" style="basic" region="rollup2">certified application counselors</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:43:50:14" begin="01:43:48:04" style="basic" region="rollup2">and navigators, part of our job</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:43:52:10" begin="01:43:50:14" style="basic" region="rollup2">is to make sure that information</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:43:54:24" begin="01:43:52:10" style="basic" region="rollup2">is as available as possible to</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:43:57:14" begin="01:43:54:24" style="basic" region="rollup2">all the clients that are going</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:44:00:01" begin="01:43:57:14" style="basic" region="rollup2">to be transferring from</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:44:02:01" begin="01:44:00:01" style="basic" region="rollup2">BadgerCare into the Marketplace</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:44:04:16" begin="01:44:02:01" style="basic" region="rollup2">or people that, for some reason</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:44:06:15" begin="01:44:04:16" style="basic" region="rollup2">or another, are losing their</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:44:08:14" begin="01:44:06:15" style="basic" region="rollup2">insurance coverage and need to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:44:10:00" begin="01:44:08:14" style="basic" region="rollup2">go into the Marketplace to find</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:44:12:07" begin="01:44:10:00" style="basic" region="rollup2">insurance.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:44:14:03" begin="01:44:12:07" style="basic" region="rollup2">We are trying to, and we are</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:44:16:03" begin="01:44:14:03" style="basic" region="rollup2">establishing connections in</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:44:17:25" begin="01:44:16:03" style="basic" region="rollup2">relationships with the local</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:44:19:14" begin="01:44:17:25" style="basic" region="rollup2">libraries, for example.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:44:21:21" begin="01:44:19:14" style="basic" region="rollup2">One of the programs that we are</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:44:23:19" begin="01:44:21:21" style="basic" region="rollup2">utilizing extensively is the</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:44:25:25" begin="01:44:23:19" style="basic" region="rollup2">libraries tend to have</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:44:27:12" begin="01:44:25:25" style="basic" region="rollup2">volunteers that help people, for</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:44:29:10" begin="01:44:27:12" style="basic" region="rollup2">example, create email accounts</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:44:31:20" begin="01:44:29:10" style="basic" region="rollup2">in order to sign up for health</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:44:33:27" begin="01:44:31:20" style="basic" region="rollup2">insurance through the</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:44:35:10" begin="01:44:33:27" style="basic" region="rollup2">Marketplace.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:44:36:26" begin="01:44:35:10" style="basic" region="rollup2">That's one of the requirements</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:44:38:17" begin="01:44:36:26" style="basic" region="rollup2">in order to be able to go</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:44:40:00" begin="01:44:38:17" style="basic" region="rollup2">through the process.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:44:41:24" begin="01:44:40:00" style="basic" region="rollup2">So we are utilizing those</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:44:43:16" begin="01:44:41:24" style="basic" region="rollup2">volunteers to help people create</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:44:45:17" begin="01:44:43:16" style="basic" region="rollup2">those email accounts.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:44:48:18" begin="01:44:45:17" style="basic" region="rollup2">And, to add to that, we're</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:44:51:19" begin="01:44:48:18" style="basic" region="rollup2">helping them to send them our</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:44:54:01" begin="01:44:51:19" style="basic" region="rollup2">way, refer them to our CACs and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:44:55:24" begin="01:44:54:01" style="basic" region="rollup2">navigators in order for us to be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:44:57:05" begin="01:44:55:24" style="basic" region="rollup2">able to complete the process.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:44:58:13" begin="01:44:57:05" style="basic" region="rollup2">We're partnering with aging and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:45:00:07" begin="01:44:58:13" style="basic" region="rollup2">disability resource centers,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:45:01:09" begin="01:45:00:07" style="basic" region="rollup2">we are partnering with other</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:45:03:01" begin="01:45:01:09" style="basic" region="rollup2">organizations,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:45:04:23" begin="01:45:03:01" style="basic" region="rollup2">nonprofit organizations,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:45:06:19" begin="01:45:04:23" style="basic" region="rollup2">churches that are servicing</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:45:08:09" begin="01:45:06:19" style="basic" region="rollup2">and are providing already</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:45:09:23" begin="01:45:08:09" style="basic" region="rollup2">services to the population</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:45:11:08" begin="01:45:09:23" style="basic" region="rollup2">we're targeting.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:45:13:04" begin="01:45:11:08" style="basic" region="rollup2">So we're just not sitting in our</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:45:14:20" begin="01:45:13:04" style="basic" region="rollup2">offices just waiting for</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:45:16:01" begin="01:45:14:20" style="basic" region="rollup2">somebody to knock on the door</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:45:17:25" begin="01:45:16:01" style="basic" region="rollup2">and ask for help.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:45:19:27" begin="01:45:17:25" style="basic" region="rollup2">We're trying to go out there as</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:45:21:14" begin="01:45:19:27" style="basic" region="rollup2">much as possible.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:45:23:02" begin="01:45:21:14" style="basic" region="rollup2">Our organization is specific,</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:45:24:13" begin="01:45:23:02" style="basic" region="rollup2">for example, and I know that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:45:25:29" begin="01:45:24:13" style="basic" region="rollup2">many others are doing the same.</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:45:27:11" begin="01:45:25:29" style="basic" region="rollup2">We have four full time</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:45:29:00" begin="01:45:27:11" style="basic" region="rollup2">navigators that are going to be</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:45:31:00" begin="01:45:29:00" style="basic" region="rollup2">traveling around the five county</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:45:32:29" begin="01:45:31:00" style="basic" region="rollup2">areas that we are covering.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:45:34:15" begin="01:45:32:29" style="basic" region="rollup2">So they're just not staying in</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:45:35:26" begin="01:45:34:15" style="basic" region="rollup2">one location and that's where</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:45:37:04" begin="01:45:35:26" style="basic" region="rollup2">everybody has to go.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:45:38:14" begin="01:45:37:04" style="basic" region="rollup2">They are going to be moving</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:45:41:21" begin="01:45:38:14" style="basic" region="rollup2">around as the need arises.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:45:42:17" begin="01:45:41:21" style="basic" region="rollup2">>> You have your work cut out</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:45:44:02" begin="01:45:42:17" style="basic" region="rollup2">for you, Jose.</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:45:44:27" begin="01:45:44:02" style="basic" region="rollup2">>> Yeah.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:45:45:29" begin="01:45:44:27" style="basic" region="rollup2">>> There aren't enough of you.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:45:46:29" begin="01:45:45:29" style="basic" region="rollup2">But it's wonderful that we have</p> <p tts:origin="10% 84.66%" tts:extent="10% 5.33%" end="01:45:48:07" begin="01:45:46:29" style="basic" region="rollup2">you.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:45:50:29" begin="01:45:48:07" style="basic" region="rollup2">Are there anymore questions?</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:45:52:16" begin="01:45:50:29" style="basic" region="rollup2">Yes, we have one here.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:45:54:00" begin="01:45:52:16" style="basic" region="rollup2">>> Mine is kind of an example</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:45:55:06" begin="01:45:54:00" style="basic" region="rollup2">here.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:45:57:02" begin="01:45:55:06" style="basic" region="rollup2">So you're in the Marketplace and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:45:59:12" begin="01:45:57:02" style="basic" region="rollup2">you're paying your premium and</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:46:01:19" begin="01:45:59:12" style="basic" region="rollup2">there's an unfortunate thing</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:46:04:00" begin="01:46:01:19" style="basic" region="rollup2">that happens to your family and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:46:05:12" begin="01:46:04:00" style="basic" region="rollup2">you can't pay that premium that</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:46:07:05" begin="01:46:05:12" style="basic" region="rollup2">month.</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:46:09:00" begin="01:46:07:05" style="basic" region="rollup2">Is there a penalty?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:46:10:17" begin="01:46:09:00" style="basic" region="rollup2">Is there a place, I see a lot of</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:46:12:09" begin="01:46:10:17" style="basic" region="rollup2">nonprofit agencies here, is</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:46:13:24" begin="01:46:12:09" style="basic" region="rollup2">there a place you can go to get</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:46:15:13" begin="01:46:13:24" style="basic" region="rollup2">help to pay for that premium for</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:46:17:05" begin="01:46:15:13" style="basic" region="rollup2">the month?</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:46:18:26" begin="01:46:17:05" style="basic" region="rollup2">A grant a nonprofit can write</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:46:21:24" begin="01:46:18:26" style="basic" region="rollup2">for anything?</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:46:24:01" begin="01:46:21:24" style="basic" region="rollup2">>> Any of the panelists?</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:46:26:08" begin="01:46:24:01" style="basic" region="rollup2">I do know that you can apply for</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:46:28:17" begin="01:46:26:08" style="basic" region="rollup2">hardship.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:46:30:25" begin="01:46:28:17" style="basic" region="rollup2">And so you won't be penalized</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:46:32:24" begin="01:46:30:25" style="basic" region="rollup2">for not paying your premiums,</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:46:34:10" begin="01:46:32:24" style="basic" region="rollup2">but I don't know that your</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:46:36:04" begin="01:46:34:10" style="basic" region="rollup2">insurance would continue.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:46:38:22" begin="01:46:36:04" style="basic" region="rollup2">And it depends on the local</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:46:40:07" begin="01:46:38:22" style="basic" region="rollup2">nonprofits if somebody is</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:46:41:25" begin="01:46:40:07" style="basic" region="rollup2">stepping up.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:46:43:08" begin="01:46:41:25" style="basic" region="rollup2">I know The United Way of Dane</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:46:45:03" begin="01:46:43:08" style="basic" region="rollup2">County has started a program to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:46:47:12" begin="01:46:45:03" style="basic" region="rollup2">fill in the gap between those</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:46:50:00" begin="01:46:47:12" style="basic" region="rollup2">people who are now transitioning</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:46:51:14" begin="01:46:50:00" style="basic" region="rollup2">into the Marketplace and are</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:46:53:08" begin="01:46:51:14" style="basic" region="rollup2">really not financially able to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:46:55:05" begin="01:46:53:08" style="basic" region="rollup2">do that or don't have the</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:46:58:02" begin="01:46:55:05" style="basic" region="rollup2">wherewithal, all of the tools in</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:46:59:27" begin="01:46:58:02" style="basic" region="rollup2">place to do that.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:47:01:14" begin="01:46:59:27" style="basic" region="rollup2">And so they are assisting.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:47:02:23" begin="01:47:01:14" style="basic" region="rollup2">So you might begin with</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:47:04:20" begin="01:47:02:23" style="basic" region="rollup2">The United Way because they work</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:47:06:00" begin="01:47:04:20" style="basic" region="rollup2">with so many agencies.</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:47:07:19" begin="01:47:06:00" style="basic" region="rollup2">I would suggest that.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:47:08:28" begin="01:47:07:19" style="basic" region="rollup2">>> I am interning there.</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:47:10:02" begin="01:47:08:28" style="basic" region="rollup2">[LAUGHTER]</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:47:11:23" begin="01:47:10:02" style="basic" region="rollup2">I am an intern at United Way.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:47:13:07" begin="01:47:11:23" style="basic" region="rollup2">>> Well, okay.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:47:14:28" begin="01:47:13:07" style="basic" region="rollup2">So they get a good plug.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:47:16:18" begin="01:47:14:28" style="basic" region="rollup2">>> I have something to add</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:47:17:14" begin="01:47:16:18" style="basic" region="rollup2">to that.</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:47:19:05" begin="01:47:17:14" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:47:21:08" begin="01:47:19:05" style="basic" region="rollup2">>> I'm the regional enrollment</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:47:23:01" begin="01:47:21:08" style="basic" region="rollup2">network coordinator for</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:47:25:02" begin="01:47:23:01" style="basic" region="rollup2">east-central, and I am stationed</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:47:26:01" begin="01:47:25:02" style="basic" region="rollup2">with Partnership Community</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:47:29:02" begin="01:47:26:01" style="basic" region="rollup2">Health Center.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:47:30:04" begin="01:47:29:02" style="basic" region="rollup2">This is something that our</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:47:31:15" begin="01:47:30:04" style="basic" region="rollup2">steering committee</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:47:32:14" begin="01:47:31:15" style="basic" region="rollup2">is working on.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:47:34:01" begin="01:47:32:14" style="basic" region="rollup2">We're trying to develop or we</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:47:36:13" begin="01:47:34:01" style="basic" region="rollup2">find, throughout the community,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:47:39:04" begin="01:47:36:13" style="basic" region="rollup2">resources for people if they're</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:47:40:28" begin="01:47:39:04" style="basic" region="rollup2">unable to pay their monthly</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:47:43:04" begin="01:47:40:28" style="basic" region="rollup2">premium.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:47:45:08" begin="01:47:43:04" style="basic" region="rollup2">We're looking at educational</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:47:47:16" begin="01:47:45:08" style="basic" region="rollup2">programs to be able to help</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:47:49:22" begin="01:47:47:16" style="basic" region="rollup2">people understand who've never</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:47:53:01" begin="01:47:49:22" style="basic" region="rollup2">had to budget for something like</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:47:55:01" begin="01:47:53:01" style="basic" region="rollup2">this.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:47:56:20" begin="01:47:55:01" style="basic" region="rollup2">Educate them as to how to do</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:47:58:23" begin="01:47:56:20" style="basic" region="rollup2">that.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:01:04" begin="01:47:58:23" style="basic" region="rollup2">And as well as after purchasing</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:48:02:27" begin="01:48:01:04" style="basic" region="rollup2">this new item, how to use it and</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:48:04:27" begin="01:48:02:27" style="basic" region="rollup2">to utilize it.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:48:06:26" begin="01:48:04:27" style="basic" region="rollup2">So there are things happening.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:48:09:13" begin="01:48:06:26" style="basic" region="rollup2">Not everybody sees them, but</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:48:12:10" begin="01:48:09:13" style="basic" region="rollup2">there are things going on behind</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:48:15:26" begin="01:48:12:10" style="basic" region="rollup2">the curtain, I guess, where</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:48:17:15" begin="01:48:15:26" style="basic" region="rollup2">we're trying to figure things</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:48:18:24" begin="01:48:17:15" style="basic" region="rollup2">out like that.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:48:19:29" begin="01:48:18:24" style="basic" region="rollup2">>> There's a continuing need for</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:48:21:02" begin="01:48:19:29" style="basic" region="rollup2">lots of communication and</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:48:22:12" begin="01:48:21:02" style="basic" region="rollup2">getting the word out.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:48:25:07" begin="01:48:22:12" style="basic" region="rollup2">Anything else?</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:26:10" begin="01:48:25:07" style="basic" region="rollup2">>> Just one more quick thing to</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:48:27:16" begin="01:48:26:10" style="basic" region="rollup2">add to that.</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:48:28:13" begin="01:48:27:16" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:29:15" begin="01:48:28:13" style="basic" region="rollup2">Any of the panelists, any final</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:48:30:26" begin="01:48:29:15" style="basic" region="rollup2">comment you have.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:48:32:24" begin="01:48:30:26" style="basic" region="rollup2">>> Just in regards to this</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:34:22" begin="01:48:32:24" style="basic" region="rollup2">topic, it's very important that</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:36:18" begin="01:48:34:22" style="basic" region="rollup2">when people are shopping for an</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:48:38:27" begin="01:48:36:18" style="basic" region="rollup2">insurance policy, they look at</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:48:41:28" begin="01:48:38:27" style="basic" region="rollup2">their agreement on what's the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:48:45:17" begin="01:48:41:28" style="basic" region="rollup2">period that one has if they're</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:48:49:05" begin="01:48:45:17" style="basic" region="rollup2">delayed on payment.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:48:51:06" begin="01:48:49:05" style="basic" region="rollup2">There's a grace period.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:53:21" begin="01:48:51:06" style="basic" region="rollup2">Now, there may be the case that</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:48:55:09" begin="01:48:53:21" style="basic" region="rollup2">the insurance plan that you</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:48:58:09" begin="01:48:55:09" style="basic" region="rollup2">choose may not pay for services</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:49:01:02" begin="01:48:58:09" style="basic" region="rollup2">received while there wasn't a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:49:03:04" begin="01:49:01:02" style="basic" region="rollup2">payment on that insurance plan</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:49:05:08" begin="01:49:03:04" style="basic" region="rollup2">for that specific month.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:49:08:20" begin="01:49:05:08" style="basic" region="rollup2">But the insurance will give you</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:10:15" begin="01:49:08:20" style="basic" region="rollup2">a grace period, and it will vary</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:49:12:02" begin="01:49:10:15" style="basic" region="rollup2">depending on the insurance plan</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:49:13:25" begin="01:49:12:02" style="basic" region="rollup2">you choose.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:49:15:16" begin="01:49:13:25" style="basic" region="rollup2">A grace period of how many days</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:49:17:00" begin="01:49:15:16" style="basic" region="rollup2">you can be late on your payment</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:49:19:01" begin="01:49:17:00" style="basic" region="rollup2">a month.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:20:17" begin="01:49:19:01" style="basic" region="rollup2">>> Any final comment, brief from</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:49:22:13" begin="01:49:20:17" style="basic" region="rollup2">any of the panelists?</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:49:23:29" begin="01:49:22:13" style="basic" region="rollup2">Kerry.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:49:25:10" begin="01:49:23:29" style="basic" region="rollup2">>> I would just add that I've</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:49:26:20" begin="01:49:25:10" style="basic" region="rollup2">watched people go through the</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:49:28:00" begin="01:49:26:20" style="basic" region="rollup2">open enrollment process in our</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:49:29:13" begin="01:49:28:00" style="basic" region="rollup2">business, and I don't think</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:30:20" begin="01:49:29:13" style="basic" region="rollup2">they're unusual from sort of the</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:49:31:28" begin="01:49:30:20" style="basic" region="rollup2">general population.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:49:33:11" begin="01:49:31:28" style="basic" region="rollup2">A lot of people have a tendency</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:35:01" begin="01:49:33:11" style="basic" region="rollup2">to procrastinate on making these</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:49:36:10" begin="01:49:35:01" style="basic" region="rollup2">kinds of decisions because</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:49:37:24" begin="01:49:36:10" style="basic" region="rollup2">they're hard, and I would</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:49:39:04" begin="01:49:37:24" style="basic" region="rollup2">encourage you not to</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:49:40:18" begin="01:49:39:04" style="basic" region="rollup2">procrastinate and to get that</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:49:42:02" begin="01:49:40:18" style="basic" region="rollup2">word out to people too because</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:49:43:09" begin="01:49:42:02" style="basic" region="rollup2">there's two things that are</p> <p tts:origin="10% 84.66%" tts:extent="40% 5.33%" end="01:49:44:17" begin="01:49:43:09" style="basic" region="rollup2">going to happen.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:49:45:28" begin="01:49:44:17" style="basic" region="rollup2">One, the agents that are out</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:49:47:11" begin="01:49:45:28" style="basic" region="rollup2">there that are there to answer</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:49:01" begin="01:49:47:11" style="basic" region="rollup2">your questions only have so many</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:49:50:24" begin="01:49:49:01" style="basic" region="rollup2">hours in a day, and I was</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:49:52:10" begin="01:49:50:24" style="basic" region="rollup2">talking to someone earlier</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:49:54:09" begin="01:49:52:10" style="basic" region="rollup2">tonight who said I get 20</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:55:24" begin="01:49:54:09" style="basic" region="rollup2">messages and I can't get through</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:49:57:20" begin="01:49:55:24" style="basic" region="rollup2">answering those calls to</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:49:59:16" begin="01:49:57:20" style="basic" region="rollup2">everybody and I go home at night</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:50:00:29" begin="01:49:59:16" style="basic" region="rollup2">and when I come in in the</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:50:02:12" begin="01:50:00:29" style="basic" region="rollup2">morning I've got 25 more</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:50:03:24" begin="01:50:02:12" style="basic" region="rollup2">voicemails waiting for me to</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:50:05:03" begin="01:50:03:24" style="basic" region="rollup2">answer.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:50:06:17" begin="01:50:05:03" style="basic" region="rollup2">And by the time he gets into the</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:50:08:05" begin="01:50:06:17" style="basic" region="rollup2">list a little way, there's</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:50:09:12" begin="01:50:08:05" style="basic" region="rollup2">another 20 messages waiting for</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:50:11:02" begin="01:50:09:12" style="basic" region="rollup2">him to answer.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:50:12:16" begin="01:50:11:02" style="basic" region="rollup2">So, as we get closer to December</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:50:14:15" begin="01:50:12:16" style="basic" region="rollup2">15th, that's not going to get</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:50:15:24" begin="01:50:14:15" style="basic" region="rollup2">any better; it's only going to</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:50:17:08" begin="01:50:15:24" style="basic" region="rollup2">get worse.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:50:18:29" begin="01:50:17:08" style="basic" region="rollup2">So don't procrastinate.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:50:20:14" begin="01:50:18:29" style="basic" region="rollup2">And I'm not sure what's going to</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:50:21:28" begin="01:50:20:14" style="basic" region="rollup2">happen when all those paper</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:50:23:24" begin="01:50:21:28" style="basic" region="rollup2">enrollment forms start flooding</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:50:25:21" begin="01:50:23:24" style="basic" region="rollup2">in because I don't know what</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:50:27:14" begin="01:50:25:21" style="basic" region="rollup2">sort of infrastructure has been</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:50:29:07" begin="01:50:27:14" style="basic" region="rollup2">built behind the scenes, but</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:50:31:25" begin="01:50:29:07" style="basic" region="rollup2">expect a long lag time, I would</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:50:33:29" begin="01:50:31:25" style="basic" region="rollup2">think, on hearing back in terms</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:50:35:14" begin="01:50:33:29" style="basic" region="rollup2">of whether that has been</p> <p tts:origin="10% 84.66%" tts:extent="25% 5.33%" end="01:50:37:04" begin="01:50:35:14" style="basic" region="rollup2">processed.</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:50:38:18" begin="01:50:37:04" style="basic" region="rollup2">It's just the reality of getting</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:50:40:06" begin="01:50:38:18" style="basic" region="rollup2">slammed, really, is what's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:50:41:19" begin="01:50:40:06" style="basic" region="rollup2">happening in a very short period</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:50:43:24" begin="01:50:41:19" style="basic" region="rollup2">of time.</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:50:44:26" begin="01:50:43:24" style="basic" region="rollup2">>> Excuse me, Carol.</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:50:45:24" begin="01:50:44:26" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:50:46:29" begin="01:50:45:24" style="basic" region="rollup2">>> I also want to mention that</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:50:48:09" begin="01:50:46:29" style="basic" region="rollup2">one of the things that we're a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:50:49:20" begin="01:50:48:09" style="basic" region="rollup2">little concerned about as well</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:50:52:02" begin="01:50:49:20" style="basic" region="rollup2">is come January 1st, when you</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:50:54:00" begin="01:50:52:02" style="basic" region="rollup2">have consumers going in to pick</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:50:55:24" begin="01:50:54:00" style="basic" region="rollup2">up their prescriptions and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:50:58:03" begin="01:50:55:24" style="basic" region="rollup2">finding out they are not insured</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:50:59:25" begin="01:50:58:03" style="basic" region="rollup2">because they did not move</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:51:01:18" begin="01:50:59:25" style="basic" region="rollup2">forward with this process to</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:51:03:09" begin="01:51:01:18" style="basic" region="rollup2">become insured.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:05:18" begin="01:51:03:09" style="basic" region="rollup2">So there's this big issue with</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:07:01" begin="01:51:05:18" style="basic" region="rollup2">what's going to happen and how</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:51:08:21" begin="01:51:07:01" style="basic" region="rollup2">are they going to pay for their</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:51:11:15" begin="01:51:08:21" style="basic" region="rollup2">meds.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:12:16" begin="01:51:11:15" style="basic" region="rollup2">>> Well, we need a lot of help</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:51:14:01" begin="01:51:12:16" style="basic" region="rollup2">from everybody.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:15:15" begin="01:51:14:01" style="basic" region="rollup2">From all of us through word of</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:51:17:21" begin="01:51:15:15" style="basic" region="rollup2">mouth, with the nonprofit and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:51:19:08" begin="01:51:17:21" style="basic" region="rollup2">business organizations, and from</p> <p tts:origin="10% 84.66%" tts:extent="52.5% 5.33%" end="01:51:20:20" begin="01:51:19:08" style="basic" region="rollup2">our state government.</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:51:22:05" begin="01:51:20:20" style="basic" region="rollup2">We need a lot of help in</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:51:23:13" begin="01:51:22:05" style="basic" region="rollup2">communicating the word and</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:51:24:24" begin="01:51:23:13" style="basic" region="rollup2">helping people move through the</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:51:25:29" begin="01:51:24:24" style="basic" region="rollup2">process.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:51:27:06" begin="01:51:25:29" style="basic" region="rollup2">You need to be enrolled by</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:28:14" begin="01:51:27:06" style="basic" region="rollup2">December 15th in order for the</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:51:29:20" begin="01:51:28:14" style="basic" region="rollup2">insurance to be in place by</p> <p tts:origin="10% 84.66%" tts:extent="30% 5.33%" end="01:51:31:11" begin="01:51:29:20" style="basic" region="rollup2">January 1st.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:32:27" begin="01:51:31:11" style="basic" region="rollup2">And one final thought as we're</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:34:26" begin="01:51:32:27" style="basic" region="rollup2">talking insurance and the cost</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:36:09" begin="01:51:34:26" style="basic" region="rollup2">and everybody is worried about</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:51:37:17" begin="01:51:36:09" style="basic" region="rollup2">cost.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:39:04" begin="01:51:37:17" style="basic" region="rollup2">There are big changes that are</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:51:40:12" begin="01:51:39:04" style="basic" region="rollup2">going to be happening.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:51:41:25" begin="01:51:40:12" style="basic" region="rollup2">One of them you may notice as</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:51:43:07" begin="01:51:41:25" style="basic" region="rollup2">you go to your health providers</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:51:45:21" begin="01:51:43:07" style="basic" region="rollup2">now and into the future, they're</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:51:47:03" begin="01:51:45:21" style="basic" region="rollup2">going to be talking a lot about</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:51:48:11" begin="01:51:47:03" style="basic" region="rollup2">prevention.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:49:22" begin="01:51:48:11" style="basic" region="rollup2">They're going to be looking at</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:51:07" begin="01:51:49:22" style="basic" region="rollup2">those issues that are going on</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:51:52:16" begin="01:51:51:07" style="basic" region="rollup2">in your daily life that are</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:51:53:22" begin="01:51:52:16" style="basic" region="rollup2">hampering your wellness and your</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:51:54:29" begin="01:51:53:22" style="basic" region="rollup2">health.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:51:56:15" begin="01:51:54:29" style="basic" region="rollup2">And we are going to be as much</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:51:58:21" begin="01:51:56:15" style="basic" region="rollup2">or a bigger part of the solution</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:00:19" begin="01:51:58:21" style="basic" region="rollup2">than we ever had been before.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:02:10" begin="01:52:00:19" style="basic" region="rollup2">The only way healthcare costs</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:52:03:27" begin="01:52:02:10" style="basic" region="rollup2">can really go down is if all of</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:52:05:18" begin="01:52:03:27" style="basic" region="rollup2">us get a little healthier.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:07:08" begin="01:52:05:18" style="basic" region="rollup2">Now, the system is looking at</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:08:25" begin="01:52:07:08" style="basic" region="rollup2">that and they're going from a</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:52:10:16" begin="01:52:08:25" style="basic" region="rollup2">system of pay for procedure to</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:52:12:19" begin="01:52:10:16" style="basic" region="rollup2">pay for value or outcome.</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:52:14:26" begin="01:52:12:19" style="basic" region="rollup2">And hospitals and medical</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:52:16:15" begin="01:52:14:26" style="basic" region="rollup2">providers are going to get</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:18:02" begin="01:52:16:15" style="basic" region="rollup2">rewarded if you stay well and</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:52:19:20" begin="01:52:18:02" style="basic" region="rollup2">you don't reenter the hospital</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:52:21:03" begin="01:52:19:20" style="basic" region="rollup2">and you don't need to have a</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:52:22:21" begin="01:52:21:03" style="basic" region="rollup2">whole lot of unnecessary tests.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:52:24:08" begin="01:52:22:21" style="basic" region="rollup2">They're actually, this is being</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:25:17" begin="01:52:24:08" style="basic" region="rollup2">designed so they will be paid</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:52:26:28" begin="01:52:25:17" style="basic" region="rollup2">more.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:52:28:14" begin="01:52:26:28" style="basic" region="rollup2">So it behooves all of us to</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:52:30:12" begin="01:52:28:14" style="basic" region="rollup2">follow the rules.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:52:32:00" begin="01:52:30:12" style="basic" region="rollup2">Listen to our doctor and eat</p> <p tts:origin="10% 84.66%" tts:extent="42.5% 5.33%" end="01:52:33:16" begin="01:52:32:00" style="basic" region="rollup2">that apple a day.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:52:35:28" begin="01:52:33:16" style="basic" region="rollup2">I thank you so much for coming.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:52:37:07" begin="01:52:35:28" style="basic" region="rollup2">You've been a most attentive</p> <p tts:origin="10% 84.66%" tts:extent="22.5% 5.33%" end="01:52:38:13" begin="01:52:37:07" style="basic" region="rollup2">audience.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:52:39:18" begin="01:52:38:13" style="basic" region="rollup2">It's a lot to take in, and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:52:40:18" begin="01:52:39:18" style="basic" region="rollup2">please, if you have anymore</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:52:42:18" begin="01:52:40:18" style="basic" region="rollup2">questions, come forward, and</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:44:16" begin="01:52:42:18" style="basic" region="rollup2">anybody who would like a real</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:46:15" begin="01:52:44:16" style="basic" region="rollup2">clear answer on anything that</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:52:48:04" begin="01:52:46:15" style="basic" region="rollup2">was said that they question,</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:52:49:17" begin="01:52:48:04" style="basic" region="rollup2">we'll get the accurate answer</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:52:50:24" begin="01:52:49:17" style="basic" region="rollup2">for you.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:52:52:07" begin="01:52:50:24" style="basic" region="rollup2">And I also have cards, and I'll</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:52:53:16" begin="01:52:52:07" style="basic" region="rollup2">run them out to the lobby as</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:52:54:13" begin="01:52:53:16" style="basic" region="rollup2">you're leaving,</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:52:55:26" begin="01:52:54:13" style="basic" region="rollup2">that have healthcare.gov</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:52:57:05" begin="01:52:55:26" style="basic" region="rollup2">and the phone number on it.</p> <p tts:origin="10% 84.66%" tts:extent="37.5% 5.33%" end="01:53:00:10" begin="01:52:57:05" style="basic" region="rollup2">1-800-318-2596.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:53:01:27" begin="01:53:00:10" style="basic" region="rollup2">Maybe still working a little</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:53:03:05" begin="01:53:01:27" style="basic" region="rollup2">sluggishly, but it is beginning</p> <p tts:origin="10% 84.66%" tts:extent="20% 5.33%" end="01:53:04:11" begin="01:53:03:05" style="basic" region="rollup2">to work.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:53:05:22" begin="01:53:04:11" style="basic" region="rollup2">So you might have some success.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:53:07:08" begin="01:53:05:22" style="basic" region="rollup2">If you're going on BadgerCare,</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:53:09:13" begin="01:53:07:08" style="basic" region="rollup2">I think that you might go</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:53:11:03" begin="01:53:09:13" style="basic" region="rollup2">through healthcare.gov.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:53:12:24" begin="01:53:11:03" style="basic" region="rollup2">If you apply for BadgerCare and</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:53:14:25" begin="01:53:12:24" style="basic" region="rollup2">you're not eligible, it will not</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:53:16:12" begin="01:53:14:25" style="basic" region="rollup2">send you to the Marketplace, but</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:53:18:01" begin="01:53:16:12" style="basic" region="rollup2">the Marketplace will send you to</p> <p tts:origin="10% 84.66%" tts:extent="27.5% 5.33%" end="01:53:19:05" begin="01:53:18:01" style="basic" region="rollup2">BadgerCare.</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:53:20:08" begin="01:53:19:05" style="basic" region="rollup2">So that's another important</p> <p tts:origin="10% 84.66%" tts:extent="15% 5.33%" end="01:53:21:04" begin="01:53:20:08" style="basic" region="rollup2">point.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:53:22:02" begin="01:53:21:04" style="basic" region="rollup2">>> Can I just add one thing to</p> <p tts:origin="10% 84.66%" tts:extent="12.5% 5.33%" end="01:53:23:13" begin="01:53:22:02" style="basic" region="rollup2">that?</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:53:24:17" begin="01:53:23:13" style="basic" region="rollup2">>> Yes.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:53:25:20" begin="01:53:24:17" style="basic" region="rollup2">>> Because everybody knows some</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:53:26:21" begin="01:53:25:20" style="basic" region="rollup2">of the issues with</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:53:29:00" begin="01:53:26:21" style="basic" region="rollup2">healthcare.gov, starting</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:53:32:06" begin="01:53:29:00" style="basic" region="rollup2">November 18th if somebody</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:53:33:19" begin="01:53:32:06" style="basic" region="rollup2">believes they would be eligible</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:53:35:05" begin="01:53:33:19" style="basic" region="rollup2">for BadgerCare Plus, we</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:53:36:14" begin="01:53:35:05" style="basic" region="rollup2">encourage them to apply directly</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:53:37:25" begin="01:53:36:14" style="basic" region="rollup2">to the state.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:53:38:29" begin="01:53:37:25" style="basic" region="rollup2">>> Excellent.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:53:40:26" begin="01:53:38:29" style="basic" region="rollup2">>> The state website via Access</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:53:42:12" begin="01:53:40:26" style="basic" region="rollup2">so that we know we'll get it,</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:53:44:01" begin="01:53:42:12" style="basic" region="rollup2">and we will process it once</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:53:45:13" begin="01:53:44:01" style="basic" region="rollup2">somebody submits an application.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:53:46:22" begin="01:53:45:13" style="basic" region="rollup2">So rather than go through the</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:53:47:26" begin="01:53:46:22" style="basic" region="rollup2">Marketplace and wait for the</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:53:50:13" begin="01:53:47:26" style="basic" region="rollup2">delay, starting November 18th</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:53:51:20" begin="01:53:50:13" style="basic" region="rollup2">childless adults that would be</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:53:53:02" begin="01:53:51:20" style="basic" region="rollup2">eligible can apply via Access</p> <p tts:origin="10% 84.66%" tts:extent="55% 5.33%" end="01:53:54:09" begin="01:53:53:02" style="basic" region="rollup2">directly to the state.</p> <p tts:origin="10% 84.66%" tts:extent="32.5% 5.33%" end="01:53:55:08" begin="01:53:54:09" style="basic" region="rollup2">>> Excellent.</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:53:56:14" begin="01:53:55:08" style="basic" region="rollup2">And then if they aren't</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:53:57:17" begin="01:53:56:14" style="basic" region="rollup2">eligible, will you send them</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:53:59:10" begin="01:53:57:17" style="basic" region="rollup2">to the Marketplace?</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:54:00:11" begin="01:53:59:10" style="basic" region="rollup2">>> Eventually.</p> <p tts:origin="10% 84.66%" tts:extent="35% 5.33%" end="01:54:01:15" begin="01:54:00:11" style="basic" region="rollup2">>> Eventually.</p> <p tts:origin="10% 84.66%" tts:extent="65% 5.33%" end="01:54:02:16" begin="01:54:01:15" style="basic" region="rollup2">>> Again, it's part of the</p> <p tts:origin="10% 84.66%" tts:extent="17.5% 5.33%" end="01:54:03:19" begin="01:54:02:16" style="basic" region="rollup2">system.</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:54:05:03" begin="01:54:03:19" style="basic" region="rollup2">>> Change is, when you think of</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:54:06:10" begin="01:54:05:03" style="basic" region="rollup2">anything in your life that's</p> <p tts:origin="10% 84.66%" tts:extent="80% 5.33%" end="01:54:08:06" begin="01:54:06:10" style="basic" region="rollup2">new, this first year is going to</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:54:09:18" begin="01:54:08:06" style="basic" region="rollup2">be a real learning year and the</p> <p tts:origin="10% 84.66%" tts:extent="57.5% 5.33%" end="01:54:10:24" begin="01:54:09:18" style="basic" region="rollup2">building of experience.</p> <p tts:origin="10% 84.66%" tts:extent="70% 5.33%" end="01:54:14:04" begin="01:54:10:24" style="basic" region="rollup2">So have patience and tune in</p> <p tts:origin="10% 84.66%" tts:extent="60% 5.33%" end="01:54:15:29" begin="01:54:14:04" style="basic" region="rollup2">and go to healthcare.gov</p> <p tts:origin="10% 84.66%" tts:extent="50% 5.33%" end="01:54:17:20" begin="01:54:15:29" style="basic" region="rollup2">and spread the word.</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:54:19:05" begin="01:54:17:20" style="basic" region="rollup2">And if you've got young sons,</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:54:21:02" begin="01:54:19:05" style="basic" region="rollup2">daughters, grandchildren, young</p> <p tts:origin="10% 84.66%" tts:extent="72.5% 5.33%" end="01:54:23:03" begin="01:54:21:02" style="basic" region="rollup2">professionals, encourage them</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:54:24:15" begin="01:54:23:03" style="basic" region="rollup2">because we need those young</p> <p tts:origin="10% 84.66%" tts:extent="77.5% 5.33%" end="01:54:26:00" begin="01:54:24:15" style="basic" region="rollup2">invincibles to get on board for</p> <p tts:origin="10% 84.66%" tts:extent="62.5% 5.33%" end="01:54:27:22" begin="01:54:26:00" style="basic" region="rollup2">the benefit of all of us.</p> <p tts:origin="10% 84.66%" tts:extent="45% 5.33%" end="01:54:29:13" begin="01:54:27:22" style="basic" region="rollup2">Thank you so much.</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:54:30:23" begin="01:54:29:13" style="basic" region="rollup2">And thank you to the Wisconsin</p> <p tts:origin="10% 84.66%" tts:extent="75% 5.33%" end="01:54:32:07" begin="01:54:30:23" style="basic" region="rollup2">Institute of Public Policy and</p> <p tts:origin="10% 84.66%" tts:extent="67.5% 5.33%" end="01:54:33:12" begin="01:54:32:07" style="basic" region="rollup2">Service for presenting this</p> <p tts:origin="10% 84.66%" tts:extent="47.5% 5.33%" end="01:54:35:13" begin="01:54:33:12" style="basic" region="rollup2">forum this evening.</p> </div> </body> </tt>