Health Insurance Open Enrollment 2019 - Presented by Jason Cleary Benefits Counselor at Texas Member Benefits

1. 2019 HEALTH INSURANCE OPEN ENROLLMENT PRESENTED BY: Jason Cleary Benefits Counselor at Texas Member Benefits

2. AGENDA • What Is The Texas Bar Private Insurance Exchange? • Regulatory Updates • Health - Individual Marketplace • Health - Employer Group • NEW Members Health Plan (MHP) • Questions & Answers 2

3. WHAT IS THE TEXAS BAR PRIVATE INSURANCE EXCHANGE? • Easy to navigate web-based exchange that allows members to compare and purchase insurance products • A program to assist members with healthcare reform as well as meet the increasing demand for assistance with Health Insurance decisions

4. REGULATORY UPDATES • End of the Individual Mandate • Short-Term, Limited Duration Insurance (STLDI) • Association Health Plans (AHPs) • Health Reimbursement Arrangements (HRAs)

5. WHO WE HELP • Members • Dependents (Spouses/Domestic Partners/Children) • Employees of Members • Students • Association Staff • Small Employers • Mid-Market Employers • Large Employers

6. SCHEDULED 2019 INDIVIDUAL OE DATES November 1, 2018 through December 15, 2018 For January 1 effective date If you need coverage before next Open Enrollment, check with the private exchange to see if you qualify for a special enrollment period. 6

7. INDIVIDUAL MARKET AUSTIN COUNTIES Expanded into four additional Austin counties. 7

8. COMPLIMENTARY BENEFITS FOR MEMBERS TELADOC Receive a subscription to TELADOC at no cost, when you purchase any product through the Texas Bar Private Insurance Exchange. ACCIDENTAL DEATH (AD&D) Eligible Members may receive $10,000 of Basic AD&D Insurance at no cost. Supplemental Health Receive Basic Supplemental Health Insurance at no additional cost when you purchase any product through the Texas Bar Private Insurance Exchange and receive an additional $10,000 of Basic AD&D Insurance. Payroll Services Standard payroll features in one simple package. 8 4 8

9. EMPLOYER GROUP HEALTH EXCHANGE Fully-Insured Options Level-Funded Plans Multiple Employer Association Plan

10. EMPLOYER GROUP OPTIONS

11. TOP 3 CREATIVE STRATEGIES LEVEL FUNDING SUPPLEMENTAL HOSPITAL GAP INSURANCE HEALTH SAVINGS ACCOUNT (HSA)

12. The One Question We Always Get… “ $ “ Can’t we just create one plan for Texas Law Firmsto reduce cost?

13. A health benefits trust for Texas law firms designed to help them and their employees manage the increasing cost of health care benefits. MEMBERS

14. How MHP Benefits You Member OwnedEarnings go back into the plan Private Exchange ModelFlexibility to Choose up to 13 plan options with Defined Contribution Large National PPO Network Cigna’s PPO Network Ease of AdministrationEmployee Enrollment Portals and HR Payroll Reporting Quality Benefits Comprehensive Health Coverage, Preventative Benefits Covered at 100%, Copay and HSA Compatible options available.

15. More Than Just Medical + Full Portfolio ofancillary products that, in manycases, allow rate and participation concessions.

16. LEARN MORE www.memberbenefits.com/texasbar

17. QUESTIONS & ANSWERS ? ? ? ? ?