2. “Businesses have faced skyrocketing health
care costs for several years now, but they
are just starting to understand the
impact of the Affordable Care Act,”
-Rich McKeown, president and CEO of Leavitt Partners and the chair of the Salt
Lake Chamber Health System Reform Task Force.

3. Average Annual Premiums for Covered Workers with
Families, 1999-2012
$18,000
$16,000
$14,000
171%
Increase from
$12,000 1999-2012
Small & Large Firms
$10,000
$8,000 Small Firms
$6,000 Large Firms
$4,000
$2,000
$0
2001
2006
1999
2000
2002
2003
2004
2005
2007
2008
2009
2010
2011
2012
Source: Kaiser Family Foundation. 2012 Employer Health Benefits Survey

4. Major Provisions of Health Care
Reform Effective In 2014
• Individual Requirement for Health Insurance (Mandate)
• Health Insurance Exchanges
• Guaranteed Availability of Health Insurance
– Pre-Existing Conditions Covered
– Allows rating variation based only on age, geographic area, family composition, and
tobacco use
• Employer Requirements
– Larger employers will have to pay a penalty if they don't provide
comprehensive, affordable coverage to their employees.

5. Employer’s Toolbox:
Practical Steps for Businesses to Control Health Care Costs

6. Health and Wellness
• Workplace Clinics and Biometric Screenings
“By creating workplace • Self Care
clinics, the company along
with its employees have • Corporate Health Culture (Wellness Plans)
reduced healthcare costs
and saved money. Even – Fitness
more impactful
however, has been the – Nutrition
general improvement of
everyone’s health. ” – Obesity
– Dallin Johns,
– Tobacco-free workplace
HR Services Manager

7. Purchasing Insurance
• Defined Contribution Model
“As a small business
owner, our healthcare
– Utah Health Exchange
costs had been increasing
significantly each year.
We had researched ways
to save costs and did not
find any good options
until we came across the
Utah Health Exchange. “
• Self-funded Health Plans
- Rick Walker, The
Avenues Courtyard

8. Information & Transparency
• Clinical Health Information
“Because individuals must
affirmatively declare their
Exchange (cHIE)
cHIE, Zions Bank has made • UtahHealthScape.org
participation level in the
the decision to educate our
employees about the
benefits of participation in
the cHIE. It’s a small
step, but it can save
money.”
- George Myers, Senior Vice
President, HR Director, Zions
Bank

9. Consumer Solutions
• Health Savings Accounts & Health
“Our employees made a
seamless transition to the
Plans
HSA model and they are
very enthusiastic about • Health Reimbursement Accounts
building savings. My
employees are also more
savvy consumers of health
• Pharmacy Benefit Manager
care today than before they
were empowered to make
their own healthcare
decisions.”
- Don Adams, president and
CEO, Bear River Mutual

10. Boiling it all down
“The Employer’s Toolbox gives me a look at what
other businesses have been able to do to contain
their costs. Every solution isn’t for every
business, but even implementing some of the
steps can help.”
-Ray Pickup, chair of the Salt Lake Chamber Board of Governors and president
and CEO of Workers Compensation Fund.

11. Contact
• Michael Merrill, Public Policy Coordinator
mmerrill@slchamber.com
• Find the Employer’s Tool Box at our website
www.slchamber.com