Monday, February 12 2018 at 4:32 PM Today, 5M small businesses buy individually. Tomorrow, 5M small businesses will buy collectively. DOL is loosening restrictions and Carriers and Brokers are using data and machine learning better than ever for innovative new offerings. Monday, February 12 2018 at 3:10 PM If you allow medical underwriting, the associations will cherry pick the better risks and it will destroy the fully insured small group markets. Small group reform ended many unfair practices such as re-pooling in the early 90s. The AHP proposal threatens to send us back to those days. The only way the proposal could work is if you make the association plans subject to the state's small group reform provisions. Monday, February 12 2018 at 2:39 PM Small businesses/small groups are generally 50 employees or less Monday, February 12 2018 at 2:27 PM We really won’t know the impact on states and AHP, until the DOL communicates the final rules, hopefully this fall. Given the existing options with VEBAs and other group options, we will likely see a mix of fully insured true groups solutions, some more restrictive individually underwritten options with discounts, and various self-insured solutions. One key question will be the individual state’s stance on AHP formation in its own state. The key will be staying true to creating and running AHPs Monday, February 12 2018 at 2:00 PM Define small group? Monday, February 12 2018 at 1:11 PM Curious to know if states will have to change their laws to allow for AHPs? Will there be medical underwriting or is his true group? Seems like the ACA was a large pool and that experience was a fail. Will be interesting how this plays out.