Access to Professional Health Insurance Advisors Act of 2011

See attached addendum for General Lobbying Issue Area: HCR - Healthcare Successful Insurance Industry Implementation of Health Reforms: reasonable regulatory implementation timeline for compliance with PL 111-148 Affordable Private Health Care: effect of the Health Insurance Tax, defined Essential Health Benefits, and Age Rating on premiums; Healthcare Delivery System Reforms State-based regulation: State Oversight of Rates; Properly designed state based health insurance exchanges to improve competition and maximize choice; federal exchanges; Multi-State Health Plans; Centralized All-Payer Database Medical Loss Ratios: Level Playing Field for MLRs; Consistent reporting requirements for all insurers; MLR Broker Fees: HR1206 "Access to Professional Health Insurance Act of 2011", S 2068 "Access to Independent Health Insurance Advisors Act of 2012" Health Care Quality: Delivery System Incentives to Promote Better Care; Payment Reforms; Patient-centered Primary Care/Medical Home; Evidence Based Care; Wellness; Chronic Care Management Insurance Market Reform; Individual Market Reform; Small Group Market Reform; Guaranteed Issue; Community Rating; Age Rating; Health Savings Accounts Federal Employee Health Benefit Program (FEHBP) regarding proposals to allow additional types of carriers including regional PPOs to be included in the coverage options offered by OPM; HR 2309 "Postal Reform Act of 2011" sections pertaining to FEHBP; S1789 "21st Century Postal Service Act of 2012" sections pertaining to Postal Benefits carveout

Client expense: $2,220,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, White House Office

H.R. 63, Long-Term Care Insurance Reform Act (Doggett) - LTC insurance reforms, H.R. 111, Breast Cancer Patient Protection Act (DeLauro) - minimum hospital stays for mastectomy patients, H.R. 346, Health Care Choice Act (Pearce ) - national marketplace for individual coverage, H.R.371, Health Care Choice Act (Blackburn) - national marketplace for individual coverage, H.R. 416, Health Insurance Rate Review Act (Schakowsky) - rate review, H.R. 1050, Small Business Health Fairness Act (Johnson) - association health plans, H.R. 1150, Competitive Health Insurance Reform Act (Gosar) - antitrust policy, H.R.1206, Access to Professional Health Insurance Advisors Act (Rogers) - agent commissions, medical loss ratios, H.R. 1943, Health Insurance Industry Fair Competition Act (DeFazio) - changes to McCarran-Ferguson Act, H.R. 2077, MLR Repeal Act (Price) - medical loss ratios, H.R. 2645, Medigap Medical Loss Ratio Improvement Act (Stark) - MLRs for Medigap policies, H.R. 2958, Federal Employee Short-Term Disability Insurance Act (Holmes Norton) - disability program for federal employees, H.R. 5838, Health Insurance Industry Antitrust Enforcement Act (Conyers) - changes to McCarran-Ferguson Act, H.R.6283, Guaranteed Access to Health Insurance Act (Burgess) - reinsurance, high risk pools, S. 137, Health Insurance Rate Review Act (Feinstein) - rate review, S. 159, Confidence in Long-Term Care Insurance Act (Kohl) - LTC insurance reforms S. 1416, Medigap Medical Loss Ratio Improvement Act (Kerry) - MLRs for Medigap policies, S. 1500, Ensure Children Have Health Care Act (Murkowski/Enzi) - enrollment period for child-only policies, S. 2068, Access to Independent Health Insurance Advisors Act (Landrieu/Isakson) - agent commissions, medical loss ratios, S. 2288, Access to Independent Health Insurance Advisors Act (Landrieu/Isakson) - agent commissions, medical loss ratios, S. 3229, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) -- model disclosure form for marketing long-term care insurance policies, S. 3230, Long-Term Care Integrity Act (Klobuchar) -- claims dispute resolution procedures, S. 3271, Equal Access to Medicare Options Act (Kerry) - Medigap provisions, MA enrollment provisions.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to implementation of changes to Medicare and Medicaid, pursuant to P.L. 111-148, the Patient Protection and Affordable Care Act of 2010, and tobacco cessation programs within Medicaid, including: S.868 and H.R.1683, the State Flexibility Act (MOE). Issues relating to inclusion of palliative care as a bundled service within CMS "value-based purchasing", S.2068, S.2288, H.R.1206, the Access to Independent Health Insurance Advisors Act of 2012, general deficit reduction issues impacting Medicare & Medicaid.

Client expense: $810,000 · Firm income: Not reported

Government targets: Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), SENATE, State, Dept of (DOS), U.S. Agency for International Development (USAID), White House Office

- PL 111-148, "Patient Protection & Affordable Care Act", regarding all provisions. - HR 371, "Health Care Choice Act of 2011", regarding all provisions. - HR 1206, "Access to Professional Health Insurance Advisors Act of 2011", regarding all provisions. - HR 3400, "Interstate Market for Health Insurance", regarding all provisions. - HR 4, "Small Business Paperwork mandate Elimination Act of 2011", regarding repeal of 1099. - HR 10/ S 299, "Regulations from the Executive in Need of Scrutiny Act", regarding provisions related to the "Patient Protection and Affordable Care Act". - Issues regarding the preservation of the tax exclusion for employer-sponsored insurance.

Client expense: $1,610,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 63, Long-Term Care Insurance Reform Act (Doggett) LTC insurance reforms 16. Specific Lobbying Issues (continued): H.R. 111, Breast Cancer Patient Protection Act (DeLauro) minimum hospital stays for mastectomy patients H.R. 346, Health Care Choice Act (Pearce ) national marketplace for individual coverage H.R.371, Health Care Choice Act (Blackburn) national marketplace for individual coverage H.R. 416, Health Insurance Rate Review Act (Schakowsky) rate review H.R. 1050, Small Business Health Fairness Act (Johnson) association health plans H.R. 1150, Competitive Health Insurance Reform Act (Gosar) antitrust policy H.R.1206, Access to Professional Health Insurance Advisors Act (Rogers) agent commissions, medical loss ratios H.R. 1943, Health Insurance Industry Fair Competition Act (DeFazio) changes to McCarran-Ferguson Act H.R. 2077, MLR Repeal Act (Price) medical loss ratios H.R. 2645, Medigap Medical Loss Ratio Improvement Act (Stark) MLRs for Medigap policies H.R. 2958, Federal Employee Short-Term Disability Insurance Act (Holmes Norton) disability program for federal employees H.R. 5838, Health Insurance Industry Antitrust Enforcement Act (Conyers) changes to McCarran-Ferguson Act H.R.6283, Guaranteed Access to Health Insurance Act (Burgess) reinsurance, high risk pools S. 137, Health Insurance Rate Review Act (Feinstein) rate review S. 159, Confidence in Long-Term Care Insurance Act (Kohl) LTC insurance reforms S. 1416, Medigap Medical Loss Ratio Improvement Act (Kerry) MLRs for Medigap policies S. 1500, Ensure Children Have Health Care Act (Murkowski/Enzi) enrollment period for child-only policies S. 2068, Access to Independent Health Insurance Advisors Act (Landrieu/Isakson) agent commissions, medical loss ratios S. 2288, Access to Independent Health Insurance Advisors Act (Landrieu/Isakson) agent commissions, medical loss ratios S. 3229, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) -- model disclosure form for marketing long-term care insurance policies S. 3230, Long-Term Care Integrity Act (Klobuchar) -- claims dispute resolution procedures S. 3271, Equal Access to Medicare Options Act (Kerry) Medigap provisions, MA enrollment provisions Regulatory Issues: Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues relating to the coordination of benefits between private health insurance plans and Medicaid; Medigap claims processing and crossover fees; Medigap cross-over claim issues, Medigap coverage, implementation of Medigap standardized plan offerings; Medigap carrier recoveries related to CMS fraud and abuse enforcement activities, and issues related to Medigap educational materials, and other Medigap issues; fraud and abuse issues affecting public and private insurance coverage; issues relating to antitrust; implementation of the Mental Health Parity Act requirements; summary of benefits and coverage disclosures; medical loss ratios; review of rates for reasonableness; health insurance exchanges; pre-existing condition insurance plans; accountable care organizations; coverage of preventive services; preexisting condition exclusions; lifetime and annual dollar limits on benefits; patient protections; grandfathered health plan provisions; health insurance web portal requirements; dependent coverage; treatment of expatriate plans; compliance with the transitional reinsurance program; and other issues relating to health care reform implementation.

Client expense: $2,020,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Medicare Payment Advisory Commission (MedPAC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Pension & Welfare Benefits Administration, SENATE, Treasury, Dept of, White House Office

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 1206, Access to Professional Health Insurance Advisors Act of 2011; S. 3240 Crop Insurance Provisions

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See Addendum Implementing Regulations for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts. Implementing Regulations for Public Law 111-148, The Patient Protection and Affordable Care Act of 2010, All Sections, but especially regulations pertaining to the Medical Loss Ratio and Actuarial Value calculations. Implementing Regulations for Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, All Sections, but in particular, implementation of the Federal Insurance Office and the Bureau of Consumer Financial Protection; Credit Insurance; Truth in Lending Disclosures, Debt Protection Products Education of Members of Congress on the workings of the Health Savings Account industry including presentations on the establishment of the account, the coordination of the account with the qualifying insurance policy, and a comparison of HSAs to other health care financing strategies. Comments submitted on membership of the Federal Home Loan Bank, 12 CFR 1263 Optional Federal Regulation of Insurance H.R. 605/S. 312, the Patients Freedom to Choose Act of 2011 H.R. 1112/S.2342, the National Association of Registered Agents and Brokers Reform Act of 2011 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 2010/S. 1098, the Family and Retirement Health Investment Act of 2011

Client expense: $70,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

See Addendum Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts. Implementing Regulation for Public Law 11-148, The Patient Protection and Affordable Care Act of 2010, All Sections, but especially comments on the Medical Loss Ratio and Actuarial Value regulations. Implementing Regulations for Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, All Sections. Education of Members of Congress on the workings of the Health Savings Account industry including presentations on the establishment of the account, the coordination of the account with the qualifying insurance policy, and a comparison of HSAs to other health care financing strategies. Optional Federal Regulation of Insurance H.R. 605/S. 312, the Patients Freedom to Choose Act of 2011 H.R. 1112/S.2342, the National Association of Registered Agents and Brokers Reform Act of 2011 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 2010/S. 1098, the Family and Retirement Health Investment Act of 2011

Client expense: $70,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act (H.R.4) Access to Independent Health Insurance Advisors Act (S.2068/S.2288) Access to Professional Health Insurance Advisors Act of 2011 (H.R.1206) Draft Legislation to Prevent Enforcement of Grandfathered Health Plan Regulation Draft Research Priorities (PCORI) EMS Quality, Innovation, and Cost Effectiveness Improvements Act of 2011 (H.R.3144) Essential Health Benefits Data Collection Proposed Rule (HHS) Food and Drug Administration Safety and Innovation Act (FDA User Fee bills, S.3187/H.R.3988) Guidance on Defining Minimum Essential Value of Employer-Sponsored Insurance (Treasury) Guidance on Federally Facilitated Exchanges (HHS) Health Benefit Exchanges (H.R.1213) Health Care Cost Reduction Act (H.R.436) Health Equity and Accountability Act (H.R.2954/S.2474) Health Risk Assessments in Medicare Comments (CDC) Heart Disease Education, Analysis and Research, and Treatment for Women Act (HEART for Women Act) (S.438/H.R.3526) H.R. 436, Health Care Cost Reduction Act Interest Rate Reduction Act (H.R.4628/S.2366) and other legislation using Prevention Fund to offset student loans Josh Miller Helping Everyone Access Responsive Treatment in Schools (HEARTS) Act (H.R.1377) Menu Labeling (ACA Section 4205) Middle Class Tax Relief and Job Promotion Act (H.R.3630) National Prevention Strategy, Request for Comments (HHS - Surgeon General) Patient-Focused Drug Development Initiative (FDA-2012-N-0967) Patient Protection and Affordable Care Act (P.L. 111-148; P.L. 111-152) - Implementation Prevention and Public Health Fund (ACA Section 4002) Proposed rules on essential health benefits (CMS) Proposed rules on health insurance market reforms (CMS) Qualified Health Plan Accreditation Proposed Rule (HHS) Repealing the Job-Killing Health Care Law Act (H.R.2) Request for information on quality in insurance exchanges (CMS) Sequester Replacement Reconciliation Act (H.R.5652) State Flexibility Act (H.R.1683/S.868) To Repeal Mandatory Funding Provided to States in the Patient Protection and Affordable Care Act to Establish American To Repeal the Patient Protection and Affordable Care Act (H.R.6079) Temporary Payroll Tax Cut Continuation Act (H.R.3630 - Medicare therapy caps exceptions process) To Repeal Mandatory Funding to States to Establish American Health Benefit Exchanges (H.R.1213) To Repeal Medical Loss Ratio Requirements (H.R.2077) To Repeal the Prevention and Public Health Fund (H.R.1217) Unique Device Identification System Proposed Rule (FDA-2011-N-0090)

Client expense: $224,984 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Education, Dept of, Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), Office of Management & Budget (OMB), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Issues related to HR 1206 - Access to Professional Health Insurance Advisors Act of 2011; HR 1309 - Flood Insurance Reform Act of 2011; HR 5817 - Eliminate Privacy Notice Confusion Act, and S 1940 - National Flood Insurance Act Amendment

Client expense: $220,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to HR 1206 - Access to Professional Health Insurance Advisors Act of 2011; HR 1309 - Flood Insurance Reform Act of 2011; and S 1940 - National Flood Insurance Act Amendment

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE

Health Care Reform; Employer-Based Health Insurance; Implementation of Public Law 111-148 (Patient Protection and Affordable Care Act); H.R. 1206

Client expense: $190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Please see attached addendum for general issue area code: HCR - Health Issues Successful Insurance Industry Implementation of Health Reforms: reasonable regulatory implementation timeline for compliance with PL 111-148 Affordable Private Health Care: effect of the Health Insurance Tax, defined Essential Health Benefits, and Age Rating on premiums; Healthcare Delivery System Reforms State-based regulation: State Oversight of Rates; Properly designed state based health insurance exchanges to improve competition and maximize choice; federal exchanges; Multi-State Health Plans; Centralized All-Payer Database Medical Loss Ratios: Level Playing Field for MLRs; Consistent reporting requirements for all insurers; MLR Broker Fees: HR1206 "Access to Professional Health Insurance Act of 2011", S 2068 "Access to Independent Health Insurance Advisors Act of 2012" Health Care Quality: Delivery System Incentives to Promote Better Care; Payment Reforms; Patient-centered Primary Care/Medical Home; Evidence Based Care; Wellness; Chronic Care Management Insurance Market Reform; Individual Market Reform; Small Group Market Reform; Guaranteed Issue; Community Rating; Age Rating; Health Savings Accounts Federal Employee Health Benefit Program (FEHBP) regarding proposals to allow additional types of carriers including regional PPOs to be included in the coverage options offered by OPM; HR 2309 "Postal Reform Act of 2011" sections pertaining to FEHBP; S1789 "21st Century Postal Service Act of 2012" sections pertaining to Postal Benefits carveout Printed

Client expense: $20,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1206 and S. 2068, bills to facilitate consumer access to independent health insurance advice.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 6079 - Repeal of Obamacare Act H.R. 1206/S.2068, Access to Independent Health Insurance Advisors Act General advocacy in support of the Affordable Care Act, including insurance reforms, medical loss ratio, exchanges and premium tax credits.

Client expense: $10,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Changes in Health Insurance Markets HR2 - Repealing the Job-Killing Health Care Law Act HR397 - Reform Americans Can Afford Act of 2011 Changes in Health Insurance Markets HR1206 - Access to Professional Health Insurance Advisors Act of 2011 HR1213 - To repeal mandatory funding provided to States in the Patient Protection and Affordable Care Act to establish American Health Benefit Exchanges

Client expense: $15,440,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

S. 915, American Health Security Act of 2011 - single payer health plan P.L 111-148, Patient Protection and Affordable Care Act: proposed repeal of the law; implementation of Medicaid expansion H.R. 1200, American Health Security Act of 2011: provisions establishing a single payer health plan H.R. 1206, Access to Professional Health Insurance Advisors Act of 2011 H.R. 2077, Medical Loss Ratio Repeal Act of 2011: provisions that would repeal medical loss ratio requirements for insurers Medicare Rules Preservation of the income tax exclusion for employer-provided healthcare benefits Preservation of Medicare benefits: Medicare eligibility age cost-sharing requirements Restructuring of Medicaid financing for deficit reduction: use of block grants or per capita caps to reduce funding PL 112-152, Health Care and Education Reconciliation Act of 2010 Healthcare Regulations ACA Implementation: employer responsibility requirements, exchange and Summary of Benefits and Coverage Rules Medicaid: premium assistance programs

Client expense: $700,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Pension Benefit Guaranty Corporation (PBGC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Opposed all positions: H.R. 1206: The Access to Professional Health Insurance Advisors Act of 2011 S. 2288: The Access to Independent Health Insurance Advisors Act of 2012 Opposed all provisions: H.R.436: Health Care Cost Reduction Act of 2012 S. 17: Medical Device Access and Innovation Protection Act H.R. 6684: Spending Reduction Act of 2012

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See attached addendum for General Lobbying Issue Area: HCR - Healthcare Successful Insurance Industry Implementation of Health Reforms: reasonable regulatory implementation timeline for compliance with PL 111-148 Affordable Private Health Care: effect of the Health Insurance Tax, defined Essential Health Benefits, and Age Rating on premiums; Healthcare Delivery System Reforms State-based regulation: State Oversight of Rates; Properly designed state based health insurance exchanges to improve competition and maximize choice; federal exchanges; Multi-State Health Plans; Centralized All-Payer Database Medical Loss Ratios: Level Playing Field for MLRs; Consistent reporting requirements for all insurers; MLR Broker Fees: HR1206 "Access to Professional Health Insurance Act of 2011"; S 2068 "Access to Independent Health Insurance Advisors Act of 2012" Health Care Quality: Delivery System Incentives to Promote Better Care; Payment Reforms; Patient-centered Primary Care/Medical Home; Evidence Based Care; Wellness; Chronic Care Management Insurance Market Reform; Individual Market Reform; Small Group Market Reform; Guaranteed Issue; Community Rating; Age Rating; Health Savings Accounts Federal Employee Health Benefit Program (FEHBP) regarding proposals to allow additional types of carriers including regional PPOs to be included in the coverage options offered by OPM; HR 2309 "Postal Reform Act of 2011" sections pertaining to FEHBP; S1789 "21st Century Postal Service Act of 2012" sections pertaining to Postal Benefits carveout

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 8, American Taxpayer Relief Act of 2012, all sections relating to vision. HR 353, Glaucoma Screening Act of 2011., all sections relating to vision. HR 451, Healthcare Truth and Transparency Act of 2011, all sections relating to vision. HR 452, Medicare Decisions Accountability Act of 2011, all sections relating to vision. HR 531, Access to Frontline Health Care Act of 2011, all sections relating to vision. HR 605, Patients Freedom to Choose Act, all sections relating to vision. HR 969, Medical Practice Freedom Act of 2011, all sections relating to vision. HR 1195, National Health Service Corps Improvement Act of 2011, all sections relating to vision. HR 1206, Access to Professional Health Insurance Advisors Act of 2011, all sections relating to vision. HR 3183, To amend title XXVII of the Public Health Service Act to exempt licensed independent insurance producer remuneration from the medical loss ratio, all sections relating to vision. HR 3207, Modernizing Laboratory Test Standards for Patients Act of 2011, all sections relating to vision. S 312, Patients Freedom to Choose Act, all sections relating to vision. S 2068, Access to Independent Health Insurance Advisors Act of 2012, all sections relating to vision. S 2192, National Health Service Corps Improvement Act of 2012, all sections relating to vision. S 2297, A bill to amend the Controlled Substances Act to make any substance containing hydrocodone a schedule II drug, all sections relating to vision.

Client expense: $329,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 969, Medical Practice Freedom Act of 2011, all sections relating to vision. HR 1206 , Access to Professional Health Insurance Advisors Act of 2011, all sections relating to vision. HR 3183 To amend title XXVII of the Public Health Service Act to exempt licensed independent insurance producer remuneration from the medical loss ratio, all sections relating to vision. S 2068 Access to Independent Health Insurance Advisors Act of 2012, all sections relating to vision.

Client expense: $329,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitoring issues re to the extension & reform of Nat'l Flood Ins. Prog. as well as Multi-peril ins, particularly HR1309/HR5740 Issues related to supporting the National Assoc of Registered Agents and Brokers Reform Act, particularly HR1112 and S. 2342. Monitor issues re to implementation of health ins reform, specifically retaining a private sector role for ins brokers in health care reform & employee benefits. Support for excluding broker commisions from the medical loss ratio calculation related to health care reform implementation, particularly HR1206 and S2068, Access to Independent Health Ins. Advisors Act.. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Issues related to implementing the law modernizing the regulation of surplus lines insurance. Issues related to supporting an Optional Federal Charter for Insurers. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cybersecurity issues, particularly regarding H.R. 3674, Enhancing Cybersecurity and Information Sharing Effectiveness Act; S.2105, Cybersecurity Act of 2012; and H.R. 3523, Cyber Inteligence Protection and Sharing Act. Monitor issues related to Iran Sanctions and insurance coverages. Monitor issues related to possible tax proposals affecting insurance. Discuss issues related to the need for a possible extension of the Terrorism Risk Insurance Act, which expires during the 113th Congress.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

See attached addendum for General Lobbying Issue Area: HCR - Healthcare Successful Insurance Industry Implementation of Health Reforms: reasonable regulatory implementation timeline for compliance with PL 111-148. Affordable Private Health Care: effect of the Health Insurance Tax, defined Essential Health Benefits, and Age Rating on premiums; Healthcare Delivery System Reforms. State-based regulation: State Oversight of Rates; Properly designed state based health insurance exchanges to improve competition and maximize choice; federal exchanges; Multi-State Health Plans; Centralized All-Payer Database. Medical Loss Ratios: Level Playing Field for MLRs; Consistent reporting requirements for all insurers; MLR Broker Fees: HR1206 "Access to Professional Health Insurance Act of 2011", S 2068 "Access to Independent Health Insurance Advisors Act of 2012". Health Care Quality: Delivery System Incentives to Promote Better Care; Payment Reforms; Patient-centered Primary Care/Medical Home; Evidence Based Care; Wellness; Chronic Care Management. Insurance Market Reform; Individual Market Reform; Small Group Market Reform; Guaranteed Issue; Community Rating; Age Rating; Health Savings Accounts. Federal Employee Health Benefit Program (FEHBP) regarding proposals to allow additional types of carriers including regional PPOs to be included in the coverage options offered by OPM; HR 2309 "Postal Reform Act of 2011" sections pertaining to FEHBP; S1789 "21st Century Postal Service Act of 2012" sections pertaining to Postal Benefits carveout.

Client expense: $440,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

Treatment of brokers in MLR (HR 1206/S 2068) exchanges and health insurance issues.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of, White House Office

Treatment of brokers in MLR (HR 1206/S 2068) exchanges and health insurance issues.

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of, White House Office

HR 2: Repealing the Job Killing Health Care Law Act; HR 5: Protecting Access to Healthcare Act; HR 369: Health Savings and Affordability Act of 2011; HR 436: Protect Medical Innovation Act of 2011; HR 605: Patients Freedom to Choose Act; HR 1206: Access to Professional Health Insurance Advisors Act; HR 1580: Medicare Beneficary Preservation of Choice Act of 2011; HR 1744: American Job Protection Act; HR 2010: Family and Retirement Health Investment Act of 2011; HR 2077: MLR Repeal Act of 2011; HR 3239: SAFE Medicate Patient Act; HR 3586: The Good Samaritan Medical Professionals Act; S 20: American Job Protection Act; S 312: Patient Freedom to Choose Act; S 720: Repeal the CLASS Entilement Act; S 2068: Access to Independent Health Insurance Advisors Act; S 2288 Access to Independent Health Insurance Advisors Act.

Client expense: $330,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

HR 1206, Access to Professional Health Insurance Advisors Act of 2011 HJ Res 19, Disapproving of MLR Rule PL 111-148, Patient Protection and Affordable Care Act - Implementation PL 111-443, Health Care and Education Reconciliation Act of 2010 - Implementation S 2068, Access to Independent Health Insurance Advisors Act of 2012 S 2288, Access to Independent Health Insurance Advisors Act of 2012

Client expense: $142,754 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Risk Management Agency, SENATE, Treasury, Dept of

Issues related to health care/insurance reform; long-term care reform; H.R. 5; H.R. 1173; H.R. 1206; H.R. 1004 Issues related to the implementation of the Patient Protection and Affordable Care Act of 2010.

Client expense: $215,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

See attached addendum for General Lobbying Issue Area: HCR - Healthcare Successful Insurance Industry Implementation of Health Reforms: reasonable regulatory implementation timeline for compliance with PL 111-148 Affordable Private Health Care: effect of the Health Insurance Tax, defined Essential Health Benefits, and Age Rating on premiums; Healthcare Delivery System Reforms State-based regulation: State Oversight of Rates; Properly designed state based health insurance exchanges to improve competition and maximize choice; federal exchanges; Multi-State Health Plans; Centralized All-Payer Database Medical Loss Ratios: Level Playing Field for MLRs; Consistent reporting requirements for all insurers; MLR Broker Fees: HR1206 "Access to Professional Health Insurance Act of 2011", S 2068 "Access to Independent Health Insurance Advisors Act of 2012" Health Care Quality: Delivery System Incentives to Promote Better Care; Payment Reforms; Patient-centered Primary Care/Medical Home; Evidence Based Care; Wellness; Chronic Care Management Insurance Market Reform; Individual Market Reform; Small Group Market Reform; Guaranteed Issue; Community Rating; Age Rating; Health Savings Accounts Federal Employee Health Benefit Program (FEHBP) regarding proposals to allow additional types of carriers including regional PPOs to be included in the coverage options offered by OPM; HR 2309 "Postal Reform Act of 2011" sections pertaining to FEHBP; S1789 "21st Century Postal Service Act of 2012" sections pertaining to Postal Benefits carveout.

Client expense: $35,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

**see addendum page PL 111-148 - The Patient Protection and Affordable Care Act, implementation H.R. 1206 - Access to Professional Health Insurance Advisors Act of 2011, MLR Broker Fee H.R. 371 - Health Care Choice Act of 2011, selling insurance across state lines S. 1049/H.R. 2676 - Small Business Health Relief Act, insurer excise tax H.R.1370 - to repeal the annual fee on health insurance providers enacted by the Patient Protection and Affordable Care Act S. 1880 - the Jobs and Premium Protection Act, insurer excise tax ***, no specific bill(s), Health Savings Accounts/Medical Savings Accounts, Transparency, Health Information Technology, Electronic Prescribing, Insurance Market Reform, Uninsured, Employer Based Health System, Health Care Reform, Small Group Market Reform, Exchanges, Health Care Reform Implementation, Medical Loss Ratios

Client expense: Not reported · Firm income: $70,000

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of Management & Budget (OMB), SENATE, White House Office

**see addendum page PL 111-148 - The Patient Protection and Affordable Care Act, implementation, health care reform H.R. 1206 - Access to Professional Health Insurance Advisors Act of 2011, MLR Broker Fee H.R. 371 - Health Care Choice Act of 2011, selling insurance across state lines S. 1049/H.R. 2676 - Small Business Health Relief Act, insurer excise tax H.R.1370 - to repeal the annual fee on health insurance providers enacted by the Patient Protection and Affordable Care Act S. 1880 - the Jobs and Premium Protection Act, insurer excise tax ***, no specific bill(s), Health Savings Accounts/Medical Saving Accounts, Transparency, Health Information Technology, Electronic Prescribing, Insurance Market Reform, Government Plan Option, Uninsured, Employer Based Health System, Health Care Reform, Small Group Market Reform, Exchanges, Health Care Reform Implementation, Medical Loss Rates, Federal Employees' Health Benefits Program (FEHBP)

Client expense: Not reported · Firm income: $100,000

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, White House Office

Insurance Market Reform General Issues; PL 111-148 "good faith compliance standard" of HCR Implementation S. 3078/HR. 4757 Rate Authority Act State Based Regulations: Exchanges/Sales Across State Lines HR. 371 MLR - Medical Loss Ratio: HR. 1206 Access to Professional Health Insurance Advisors Act: MLR Repeal Act HR. 2077 IPAB - Medicare Decisions Accountability Act of 2011 HR. 452 State Innovation Waivers / Consistent Reporting Requirements Healthcare Quality: Delivery System Incentives to Promote Better Care; Patient Safety and Quality Improvement; Payment Reforms; Patient-Centered Primary/Medical Home; Bundled Payments; Wellness/Health Disparities; Employer & School Wellness; Chronic Care & Medical Management; Childhood Obesity; Infant Mortality Federal Employee Health Benefit Program (FEHBP) regarding proposals to allow additional types of carriers including regional PPOs to be included in the coverage options offered by OPM.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1206- Access to Professional Health Insurance Advisors Act of 2011 (all provisions) H.R. 2- Repealing the Job-Killing Health Care Law Act (insurance provisions) H.J. Res. 19- Disapproving MLR Rule (all provisions) H.R. 1173- Repealing the CLASS Program Act of 2011 (all provisions) S. 720- Repealing the CLASS Program Act (all provisions) P.L. 111-148- Patient Protection and Affordable Care Act (Implementation of insurance provisions) P.L. 111-443- Health Care and Education Reconciliation Act of 2010 (Implementation of insurance provisions) S. 2068 - Access to Independent Health Insurance Advisors Act of 2012 (All provisions) H.R. 5- Protecting Access to Healthcare (PATH) Act (insurance provisions) S. 2288- Access to Independent Health Insurance Advisors Act of 2012 (All provisions) Navigator Issue as it pertains to implementation of the Patient Protection and Affordable Care Act Agent role in PPACA health insurance exchanges

Client expense: $330,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

H.R.5-Help Efficient, Accessible, Low Cost, Timely Healthcare (HEALTH) Act of 2011 H.R. 8- American Taxpayer Relief Act of 2012 H.R.157-Health Care Safety Net Enhancement Act of 2011 H.R.314-Medical Liability Procedural Reform Act of 2011 H.R.376-Volunteer Emergency Services Recruitment and Retention Act of 2011 H.R.436-Health Care Cost Reduction Act of 2012 H.R.452-Medicare Decisions Accountability Act of 2011 H.R.541-Pay for all your Undocumented Procedures (PAY UP) Act of 2011 H.R.816-Provider Shield Act of 2011 H.R.896-Medical Justice Act of 2011 H.R.969- Medical Practice Freedom Act of 2011 H.R. 971-Critical Care Assessment and Improvement Act of 2011 H.R.1004-Health Flexible Spending Arrangements Improvements Act of 2012 H.R.1117-Air Ambulance Patient Safety, Protection, and Coordination Act H.R. 1063-Strengthening Medicare And Repaying Taxpayers Act of 2011 H.R. 1206- Access to Professional Health Insurance Advisors Act of 2011 H.R.1256-Medicare Physician Payment Transparency and Assessment Act of 2011 H.R.1310-To amend the Internal Revenue Code of 1986 to exempt certain emergency medical devices from the excise tax on medical devices, and for other purposes H.R.1629-Family Health Care Accessibility Act of 2011 H.R.1668-Danny McIntosh Emergency Medical Service Providers Protection Act H.R.1683-State Flexibility Act H.R.1852-Children's Hospital GME Support Reauthorization Act of 2011 H.R.1941-Hiring Heroes Act of 2011 H.R.2104-Consistency, Accuracy, Responsibility, and Excellence in Medical Imaging and Radiation Therapy (CARE) Act of 2011 H.R.2205-Ending Defensive Medicine and Encouraging Innovative Reforms Act of 2011 H.R.2353-Volunteer Responder Incentive Protection Reauthorization Act of 2011 H.R.2405-Pandemic and All-Hazards Preparedness Reauthorization Act of 2011 H.R.2472-Health Care Professionals Protection Act of 2011 H.R.2488-SERVE Act of 2011 H.R.2523-Physician Availability Act of 2011 H.R.2853-Emergency Medic Transition (EMT) Act of 2011 H.R.2903-Federal Emergency Management Agency (FEMA) Reauthorization Act of 2012 H.R.3000-Empowering Patients First Act H.R.3144-Field EMS Quality Innovation and Cost Effectiveness Improvements Act H.R.3269-Diagnostic Imaging Services Protection Act of 2011 H.R.3511- Cardiac Arrest Survival Act of 2011 H.R.3586-Good Samaritans Health Professionals Act of 2011 H.R.3625-Cardiomyopathy Health Education, Awareness, Risk Assessment, and Training in the Schools (HEARTS) Act of 2011 H.R.4124-Veteran Emergency Medical Technician Support Act of 2012 H.R.4242-Ensuring Quality Health Care for All Americans Act of 2012 H.R.5707-Medicare Physician Payment Innovation Act of 2012 H.R.5842-Restoring Access to Medication Act of 2012 H.R.5858-Health Savings Accounts Improvements Act of 2012 H.R. 6079-Repeal of Obama Care Act H.R. 6142-Assuring Medicare Stability and Access for Seniors Act of 2012 H.R. 6163-National Pediatric Research Network Act of 2012 H.R. 6562-Resident Physician Shortage Reduction Act of 2012 H.R. 6672- Pandemic and All-Hazards Preparedness Reauthorization Act of 2012 H.R. 6719- Telehealth Promotion Act of 2012 S.223-FAA Air Transportation Modernization and Safety Improvement Act S.385-Dale Long Emergency Medical Services Providers Protection Act S.668-Health Care Bureaucrats Elimination Act S.868-State Flexibility Act S.932-SERVE Act of 2011 S.933-Volunteer Responder Incentive Protection Reauthorization Act of 2011 S.951-Hiring Heroes Act of 2011 S.958-Children's Hospital GME Support Reauthorization Act of 2011 S.1059-Family Health Care Accessibility Act of 2011 S.1099-Help Efficient, Accessible, Low Cost, Timely Healthcare (HEALTH) Act of 2011 S.1407-Air Ambulance Medicare Accreditation and Accountability Act S.1855-Pandemic and All-Hazards Preparedness Reauthorization Act of 2011

Client expense: $695,377 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.969- Medical Practice Freedom Act of 2011 H.R. 1063-Strengthening Medicare And Repaying Taxpayers Act of 2011 H.R. 1206-Access to Professional Health Insurance Advisors Act of 2011 H.R.3000-Empowering Patients First Act H.R.4242-Ensuring Quality Health Care for All Americans Act of 2012 H.R. 6163-National Pediatric Research Network Act of 2012

Client expense: $695,377 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR531--Access to Frontline Health Care Act; HR452/S 668 -- IPAB Repeal; S454--Medicare AntiFraud; S756--Medicare Data Transparency; HR5/S218--Medical Liability Reform; HR1206/2077--Medical Loss Ratio changes; HR 1256 -- Medicare Physician Payment Transparency; HR 1409--Quality Health are Coalition Act; HR1700/S1042--Medicare Patient Empowerment Act; S1309/HR 3364--Equity and Access for Podiatric Physicians Under Medicaid; PDUFA/MDUFA reauthorization; Budget Sequestration (HR 8); 100th Anniversary of APMA; Medicare Physician payment / SGR; S1958--Medicare Orthotics and Prosthetics Improvement Act; HR 1256--Medicare Relative Update Committee (RUC); HR 1409--Physician Antitrust; HR 2363--Health Care OverUse Reform Today (HealthCOURT) Act; HR 3630/HR 3675--Medicare Physician Payments/SGR; HR 1150--Health Insurer Antitrust Reform; HR 969 Medical Practice Freedom Act; S 756--Claims Data Publication; TRICARE reimbursement issues; VA provider issues

Client expense: $96,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Defense, Dept of (DOD), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), SENATE, Veterans Affairs, Dept of (VA), White House Office

Health Reform Legislation H.R. 1206 Access to Professional Health Insurance Advisors Act of 2011

Client expense: Not reported · Firm income: $45,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Health Care Issues H.R. 1206 Access to Professional Health Insurance Advisors Act of 2011

Client expense: Not reported · Firm income: $45,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1940, an original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 5740, that will extend the National Flood Insurance Program (NFIP) for 60 days and phase out premium-rate subsidies for people buying second homes and vacation homes in flood-prone areas

Client expense: $1,650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance and tax issues - HR 5, HR 1206; HR 1004. HR 1173, HR 661. S. 267

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to implementation of changes to Medicare and Medicaid, pursuant to P.L. 111-148, the Patient Protection and Affordable Care Act of 2010, and tobacco cessation programs within Medicaid, including: S.868 and H.R.1683, the State Flexibility Act (MOE). Issues relating to inclusion of palliative care as a bundled service within CMS "value-based purchasing", S.2068, S.2288, H.R.1206, the Access to Independent Health Insurance Advisors Act of 2012, general deficit reduction issues impacting Medicare & Medicaid.

Client expense: $620,000 · Firm income: Not reported

Government targets: Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Natl Institutes of Health (NIH), SENATE, State, Dept of (DOS), U.S. Agency for International Development (USAID), White House Office

H.R. 2 Repealing the Job-Killing Health Care Law Act; H.R. 4 Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act; H.R. 1063 Strengthening Medicare and Repaying Taxpayers Act; S. 18 Small Business Paperwork Mandate Elimination Act; S. 19 American Liberty Restoration Act; S. 20/H.R. 1744 American Job Protection Act; Affordable Care Act, all provisions; S. 192 Repealing the Job-Killing Health Care Law Act; S. 312 Patients Freedom to Choose Act; Health Care Reform; Health Care Mandate Penalties; Employer/Employee Flexibility; Consumer-Directed Health Care; Health Insurance Exchanges; Medicare Secondary Payer Judgments; Comments on FDA's Suggested Questions & Answers for the Final Patient Protection & Affordable Care Act Section 4205 Guidance; Comments on IRS' "Shared Responsibility for Employers Regargding Health Care Coverage (IRC Sec. 1513)"; H.R.1370, To repeal the annual fee on health insurance providers enacted by the Patient Protection and Affordable Care Act, all provisions; H.R.2077, MLR Repeal Act of 2011, all provisions; S.1098, Family and Retirement Health Investment Act of 2011, all provisions; H.R.5/S.1099, Help Efficient, Accessible, Low-cost, Timely Healthcare (HEALTH) Act of 2011, all provisions; H.R.1206, Access to Professional Health Insurance Advisors Act of 2011, all provisions; Summary of Benefit NRPM; Comments regarding employer interactions with insurance exchanges, health premium tax credits, and development of an affordability safe harbor for employers; S.1880, Jobs and Premium Protection Act, all provisions; S.1049/H.R. 2676, Small Business Health Relief Act of 2011, all provisions; H.R.2206, Auto Enroll Repeal Act, all provisions.; H.R. 6079, Repeal of Obamacare Act, all provisions.

Client expense: $820,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Motor Carrier Safety Administration, Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Natl Telecommunications & Information Administration (NTIA), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

See Addendum Implementing Regulations for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts. Implementing Regulations for Public Law 111-148, The Patient Protection and Affordable Care Act of 2010, All Sections, but especially regulations pertaining to the Medical Loss Ratio and Actuarial Value calculations. Implementing Regulations for Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, All Sections, but in particular, implementation of the Federal Insurance Office and the Bureau of Consumer Financial Protection; Credit Insurance; Truth in Lending Disclosures, Debt Protection Products Education of Members of Congress on the workings of the Health Savings Account industry including presentations on the establishment of the account, the coordination of the account with the qualifying insurance policy, and a comparison of HSAs to other health care financing strategies. Comments submitted on membership of the Federal Home Loan Bank, 12 CFR 1263 Optional Federal Regulation of Insurance H.R. 605/S. 312, the Patients Freedom to Choose Act of 2011 H.R. 1112/S.2342, the National Association of Registered Agents and Brokers Reform Act of 2011 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 2010/S. 1098, the Family and Retirement Health Investment Act of 2011

Client expense: $60,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

See Addendum Implementing Regulation for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts. Implementing Regulation for Public Law 11-148, The Patient Protection and Affordable Care Act of 2010, All Sections, but especially comments on the Medical Loss Ratio and Actuarial Value regulations. Implementing Regulations for Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, All Sections. Education of Members of Congress on the workings of the Health Savings Account industry including presentations on the establishment of the account, the coordination of the account with the qualifying insurance policy, and a comparison of HSAs to other health care financing strategies. Optional Federal Regulation of Insurance H.R. 605/S. 312, the Patients Freedom to Choose Act of 2011 H.R. 1112/S.2342, the National Association of Registered Agents and Brokers Reform Act of 2011 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 2010/S. 1098, the Family and Retirement Health Investment Act of 2011

Client expense: $60,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

See Addendum Implementing Regulations for Public Law 108-173, Medicare Prescription Drug Improvement and Modernization Act of 2003, Title XII, Section 1201, Health Savings Accounts. Implementing Regulations for Public Law 111-148, The Patient Protection and Affordable Care Act of 2010, All Sections, but especially regulations pertaining to the Medical Loss Ratio and Actuarial Value calculations. Implementing Regulations for Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, All Sections, but in particular, implementation of the Federal Insurance Office and the Bureau of Consumer Financial Protection; Credit Insurance; Truth in Lending Disclosures, Debt Protection Products Education of Members of Congress on the workings of the Health Savings Account industry including presentations on the establishment of the account, the coordination of the account with the qualifying insurance policy, and a comparison of HSAs to other health care financing strategies. Comments submitted on membership of the Federal Home Loan Bank, 12 CFR 1263 Optional Federal Regulation of Insurance H.R. 605/S. 312, the Patients Freedom to Choose Act of 2011 H.R. 1112/S.2342, the National Association of Registered Agents and Brokers Reform Act of 2011 H.R. 1206, the Access to Professional Health Insurance Advisors Act of 2011 H.R. 1309, the Flood Insurance Reform Act of 2011 H.R. 2010/S. 1098, the Family and Retirement Health Investment Act of 2011

Client expense: $60,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of