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Sam Gibbs is president of eHealth Government Solutions, part of California-based eHealthInsurance Services Inc. The company, founded in 1997, pioneered the sale of health insurance over the Internet. It now facilitates sales of health insurance products from more than 180 companies—for individuals and small businesses—in all 50 states. Gibbs spoke about the options for health insurance exchanges, including the state-based exchanges mandated by the Patient Protection and Affordable Care Act, as well as private exchanges, such as eHealth’s and one being developed by Minnesota-based Bloom Health and Indianapolis-based WellPoint Inc.
 
IBJ: What are the models that the state-based insurance exchanges could take?

A: California has a Medicaid enrollment process. So their vision of an exchange is sort of an expansion of a Medicaid enrollment process. But it’s mostly a big help center approach. That’s the one that’s the most people-centric. To contrast with that, there’s a couple of states, Pennsylvania and Virginia, they don’t want to be in the public-facing part of it at all. What they’re going to do is, they’re going to empower or sanction private companies to be the front-end exchange. They’ve recognized that states have never been in the e-commerce business. So they’re just going to outsource that to the private sector. Then most of the states—and Indiana is in this group—[say] they’ll create a separate not-for-profit and then bid it out to private companies.

IBJ: Do you expect private exchanges to be embraced by employers?

A: Small businesses, what’s happened over the past decade is that they’ve been priced out of it. So they’re constantly having to scale back benefits and trying to be creative. In fact, a lot of employers have dropped coverage over the last five years. The advantage of the [private] shop exchange is that it allows them to switch from a defined benefit to a defined contribution plan. It gives the employer absolute control over what they’re spending. And it allows the employee to actually pick the plan they want—based on where employees are in their life cycle. And they get to take it with them if they change companies. It’s a pretty big change. But my gut tells me it’s what the market wants.

IBJ: Since the defined contribution concept puts a lot more risk on employees, do you expect any employee pushback as employers switch to this model?

A: It’s so hard to say. If you understand the marketplace pretty well, you can get pretty excited about it. So I don’t know. If I just had to guess right now, I would suspect initially there’d be some resistance to it.

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  1. Of what value is selling alcoholic beverages to State Fair patrons when there are many families with children attending. Is this the message we want to give children attending and participating in the Fair, another venue with alooholic consumption onsite. Is this to promote beer and wine production in the state which are great for the breweries and wineries, but where does this end up 10-15 years from now, lots more drinkers for the alcoholic contents. If these drinks are so important, why not remove the alcohol content and the flavor and drink itself similar to soft drinks would be the novelty, not the alcoholic content and its affects on the drinker. There is no social or material benefit from drinking alcoholic beverages, mostly people want to get slightly or highly drunk.

  2. I did;nt know anyone in Indiana could count- WHY did they NOT SAY just HOW this would be enforced? Because it WON;T! NOW- with that said- BIG BROTHER is ALIVE in this Article-why take any comment if it won't appease YOU PEOPLE- that's NOT American- with EVERYTHING you indicated is NOT said-I can see WHY it say's o Comments- YOU are COMMIES- BIG BROTHER and most likely- voted for Obama!

  3. In Europe there are schools for hairdressing but you don't get a license afterwards but you are required to assist in turkey and Italy its 7 years in japan it's 10 years England 2 so these people who assist know how to do hair their not just anybody and if your an owner and you hire someone with no experience then ur an idiot I've known stylist from different countries with no license but they are professional clean and safe they have no license but they have experience a license doesn't mean anything look at all the bad hairdressers in the world that have fried peoples hair okay but they have a license doesn't make them a professional at their job I think they should get rid of it because stateboard robs stylist and owners and they fine you for the dumbest f***ing things oh ur license isn't displayed 100$ oh ur wearing open toe shoes fine, oh there's ONE HAIR IN UR BRUSH that's a fine it's like really? So I think they need to go or ease up on their regulations because their too strict

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  5. Twenty years ago when we moved to Indy I was a stay at home mom and knew not very many people.WIBC was my family and friends for the most part. It was informative, civil, and humerous with Dave the KING. Terri, Jeff, Stever, Big Joe, Matt, Pat and Crumie. I loved them all, and they seemed to love each other. I didn't mind Greg Garrison, but I was not a Rush fan. NOW I can't stand Chicks and all their giggly opinions. Tony Katz is to abrasive that early in the morning(or really any time). I will tune in on Saturday morning for the usual fun and priceless information from Pat and Crumie, mornings it will be 90.1

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