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Health plans though there were some exceptions to this general cost shift onto workers, whether it was through valuebased insurance design, Wellness Programs or telemedicine. Lots of changes going on with the benefits being offered to workers. The next set of slides, some of this was already covered but the next set of slides just goes through the timeline of all the Different Things that affect employmentbased coverage. You have the slides. Im not going to go through them individually, but you saw 2010 was a big year for provisions affecting employmentbased coverage. 2014 was a big year for provisions affecting employmentbased coverage, and even to 2018 you have the excise tax on Health Care Plans on horizon also known as cal tax, which well talk about in a few minutes, and a few provisions that didnt have effectiveness dates in the legislation that employers may have to address at some point. Just a couple of items to go over. One, the employershared responsibility provision assuming

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