An animated figure wears an apron and stands near an animated storefront with a dog. The figure waves. In another shot, another figure wears a tie and waves. The second figure dissolves into a tall building topped with a "UnitedHealthcare" sign.
ON SCREEN TEXT: BROKERS
MALE NARRATOR: Employers typically purchase health coverage for their employees through a broker or insurance agent... or directly through a health insurer.
Two animated hands shake. An animated navy blue caduceus appears on a blue background. Blue and white text winds around it.
ON SCREEN TEXT: AFFORDABLE CARE ACT
NARRATOR: The Affordable Care Act introduces a new option for small business employers and individuals to access health insurance.
An animated computer monitor displays animated graphics. A map of California appears above an animated computer monitor and white text. Maps of Minnesota, New York, and then Texas replace California.
ON SCREEN TEXT: Exchanges
ON SCREEN TEXT: Health Insurance Marketplaces
ON SCREEN TEXT: Research
ON SCREEN TEXT: Compare
ON SCREEN TEXT: Enroll
NARRATOR: These health insurance exchanges, or health insurance marketplaces, are online marketplaces where people can research, compare, and enroll in health insurance plans offered by health insurers.
An animated figure sits in front of the animated computer monitor. A succession of state maps appear above the name of their state's online insurance marketplace.
ON SCREEN TEXT: Connect for Health Colorado
ON SCREEN TEXT: Covered California
ON SCREEN TEXT: MNSure
ON SCREEN TEXT: Access Health CT
ON SCREEN TEXT: Texas Health Insurance Marketplace
NARRATOR: Each state is required to establish a marketplace. While the different marketplaces will operate the same way, they will have their own unique names by state.
White text appears on a blue background.
ON SCREEN TEXT: There are 2 types of Marketplaces
NARRATOR: There are two types of marketplaces within each state.
An animated sequence depicting various web marketplaces.
ON SCREEN TEXT: INDIVIDUAL MARKETPLACE
ON SCREEN TEXT: SHOP
ON SCREEN TEXT: Small Business Health Options Program
NARRATOR: One is the individual marketplace, where individuals can shop for insurance. The other is for small business employers, called the SHOP marketplace, short for Small Business Health Options Program.
In an animated rendering of the SHOP website, various animated icons and pages are visible.
NARRATOR: The SHOP provides a place for eligible employers to explore health insurance plans and choose coverage to offer their employees.
The apron-wearing animated figure waves and an animated checkmark appears nearby. The screen splits and blue and white text appears to the right of the figure. A clock face appears between the figure and the text.
ON SCREEN TEXT: Fewer than 50 full-time employees
ON SCREEN TEXT: 30 or more
NARRATOR: Eligible employers include those with fewer than 50 full-time employees, with full-time meaning working 30 or more hours per week.
A large animated stoplight appears. Then the screen splits and the year 2016 appears on the right side next to blue and white text on the left.
ON SCREEN TEXT: 2016
ON SCREEN TEXT: Employers with 50-99 full-time employees and full-time equivalents who do not already meet the requirement will be required to offer them affordable health insurance or pay a penalty.
NARRATOR: However, small business employers are not required by the Health Reform Law to offer health insurance.
Blue text appears in a navy blue circle on a purple background.
ON SCREEN TEXT: Yearly Gross Income
ON SCREEN TEXT: Affordable Health Insurance
ON SCREEN TEXT: 9.5%
NARRATOR: Affordable health insurance is defined as the premium being less than 9 1/2% of an employee's yearly gross income.
Blue and white text appears on a navy blue background. A row of shields emblazoned with plus signs appears.
ON SCREEN TEXT: SHOP
ON SCREEN TEXT: ESSENTIAL HEALTH BENEFITS
ON SCREEN TEXT: MINIMUM VALUE REQUIREMENTS
ON SCREEN TEXT: FOUR COST LEVELS
BRONZE SILVER GOLD PLATINUM
ON SCREEN TEXT: PREMIUM
NARRATOR: The health insurance plans made available through the SHOP provide a similar set of essential health benefits, meet the minimum value requirements, and are based on four cost and value levels: bronze, silver, gold, and platinum. Plan levels differ by how much an employee pays each month, called the premium, and by what they pay in out-of-pocket expenses for medical services.
A scale appears, weighing out-of-pocket expenses on the right and monthly premiums on the left as various plan levels appear above the scale.
ON SCREEN TEXT: Out-of-Pocket Expenses
Monthly
Premium
ON SCREEN TEXT: BRONZE
NARRATOR: For example, bronze plans have lower monthly premiums but require employees to pay more out-of-pocket expenses for medical services.
ON SCREEN TEXT: Monthly
Premium
Out-of-Pocket
Expenses
ON SCREEN TEXT: PLATINUM
NARRATOR: And platinum plans may cost more each month, but employees will pay less out of pocket when they receive care.
The scale disappears and an animated website appears with a bar graph depicting various plan details.
ON SCREEN TEXT: Monthly
Premiums
ON SCREEN TEXT: Deductibles
ON SCREEN TEXT: Out-of-Pocket
Costs
NARRATOR: When searching for plans, the marketplace websites have tools that allow employers and employees to compare monthly premiums, deductibles, and out-of-pocket costs.
ON SCREEN TEXT: Qualified Health Plans
ON SCREEN TEXT: QHPs
NARRATOR: One of the goals of the SHOP is to give qualified employers the ability to offer eligible employees a selection of Qualified Health Plans, or QHPs, at a single level of coverage.
Near the animated storefront, the aproned figure and a figure in a tie look at one another. Three sheets of paper appear between them and a graphic highlights each one before settling on the center. The other papers disappear and a graph appears on the paper.
NARRATOR: Employers will learn whether or not they have the choice during the application process. Employers may work with a broker or insurance agent to help find the right plan for their employees, whether inside or outside of the SHOP marketplaces.
A stoplight replaces the sheet of paper between the two figures. The light turns from red to yellow to green.
NARRATOR: Once an employer selects a plan through the SHOP, they choose their contribution toward their employees' plans.
An animated sequence depicts a flipping calendar.
ON SCREEN TEXT: OPEN ENROLLMENT
ON SCREEN TEXT: Open Enrollment starts: NOVEMBER 1
NARRATOR: Employees are then alerted by the marketplace when their open enrollment begins. Small business employers can enroll in a plan at any time throughout the year.
An X appears on an animated page graphic which then turns blue as a check mark replaces the X.
NARRATOR: Employees can accept or decline their employer's coverage based on whether or not it meets their needs and budget.
An animated figure appears in front of an animated computer monitor.
NARRATOR: If the employer offers one plan for employees, the employee's only choice is whether or not to enroll. If the employer provides multiple plans, the employee may choose to enroll in any plan made available. For those employees who accept the SHOP coverage, the employer pays a portion of their premium...
Blue and white text appears on a blue background.
ON SCREEN TEXT: SHOP = No Federal Subsidy
NARRATOR: But no federal subsidy assistance is available. Employers are not required to contribute toward an employee's coverage if the employee declines the SHOP coverage and obtains their own.
An animated sequence cycles through plan icons on an animated website.
NARRATOR: Employees who accept their employer-offered coverage may view their plan coverage summary through the SHOP marketplace website.
A large dollar sign appears in an orange box on a purple background. The box spins to reveal a blue box with a smaller green dollar sign in the lower left-hand corner on the other side. The aproned figure appears and waves. The screen splits and text appears on the left and right sides.
ON SCREEN TEXT: PAYROLL DEDUCTION
ON SCREEN TEXT: SHOP
NARRATOR: Employers review all plans accepted by the employees and evaluate the total costs to their business. Once employees are enrolled, employers can expect to receive a single bill from the SHOP and may coordinate payroll deduction with SHOP for the employee responsibility.
The aproned figure reappears above purple and white text and waves.
ON SCREEN TEXT: Small Business Tax Credit
ON SCREEN TEXT: Fewer than 25 full-time employees
ON SCREEN TEXT: Less than $50,000
NARRATOR: The Small Business Tax Credit is only available to employers with fewer than 25 full-time employees with average annual wages less than $50,000.
An animated purple arrow extends from the aproned figure to a figure in a red dress. A large coin bounces from the former to the latter.
ON SCREEN TEXT: 50%
NARRATOR: These employers must pay 50% of their employees' premiums to qualify.
The figure in the dress disappears and the aproned figure looks at an icon depicting a structure of columns. A purple arrow extends from the icon to the figure and a large coin bounces from the former to the latter.
ON SCREEN TEXT: 50% Small Business Tax Credit
ON SCREEN TEXT: TEMPORARY
NARRATOR: These qualified employers are eligible for a tax credit worth up to 50% of their premium costs. This tax credit is temporary.
A large animated website appears next to the aproned figure.
ON SCREEN TEXT: Coverage Options
NARRATOR: Employers already offering coverage may check in with their state marketplace website to determine if the SHOP is an option they'd like to consider. Employers of all sizes are required by the Department of Labor to inform their employees and new hires of their coverage options, including the marketplaces, with model language available through the DOL website.
Back at the storefront, the aproned figure and figure in a tie stand near one another. Then a text list appears on an animated clipboard.
ON SCREEN TEXT: FOR SMALL BUSINESS
EMPLOYERS:
ON SCREEN TEXT: Only those with 1-50 employees may purchase through SHOP
ON SCREEN TEXT: Choose one or multiple plans
ON SCREEN TEXT: Purchase coverage via broker or directly -- in or out of SHOP
ON SCREEN TEXT: Not required to provide coverage
ON SCREEN TEXT: Receive single bill
NARRATOR: Here's a recap of what employers need to know about the marketplaces. Employers may have a choice when searching for employee coverage. They may choose to provide one or multiple plans. Health insurance can still be purchased directly through a broker or health insurer and can be done either inside or outside the marketplaces. Small employers are not required to provide coverage, while large employers will be required to provide coverage in 2015. Employers can expect to receive a single bill from the SHOP.
An animated Venn diagram appears onscreen. The tall UnitedHealthcare building in the left circle and an animated website in the right. In the overlapping center, an animated figure wears a headset and stands with hands outstretched.
ON SCREEN TEXT: UnitedHealthcare MARKETPLACES Q&A
NARRATOR: There are sure to be questions. In general, the marketplaces, not the insurer, are the source for answers to questions related to eligibility and enrollment.
The UnitedHealthcare building icon stands beneath white text.
ON SCREEN TEXT: Coverage
NARRATOR: Questions related to health insurance coverage are typically handled by the insurer.
The animated UnitedHealthcare building springs from the ground. Animated figures appear on the ground below and around the building. They wave at the camera.
NARRATOR: At UnitedHealthcare, we provide our members with the coverage and benefits to help them live a healthier life.
Blue text appears on a light blue background.
ON SCREEN TEXT: For more information, visit Healthcare.gov or UHC.com
Blue text appears on a gray background.
ON SCREEN TEXT: UnitedHealthcare
This video was brought to you by UnitedHealthcare
