Health Insurance Industry Fair Competition Act

H.R. 508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 - to extend the Terrorism Risk Insurance Program for five years (TRIPRA) H.R. 99 - Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 344 - Competitive Health Insurance Act of 2013Public Law 112-141 - MAP 21 - Title II, Biggert-Waters Flood Insurance Reform Act of 2012 (and proposed amendments) H.R. 743 - Health Insurance Industry Fair Competition Act of 2013 H.R. 911 - The Competitive Health Insurance Reform Act of 2013 H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act H.R. 776 - Security in Bonding Act of 2013 S. 1098 - Responsible Implementation of Flood Insurance Reform Act of 2013 S. 996 - A bill to improve the National Flood Insurance program S. 1075 - Saving Homeowners from Onerous Rate Escalations Act of 2013 H.R. 4871 - TRIA Reform Act of 2014 S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014 International Capital Standards for Insurers International Covered Agreements

Client expense: $723,851 · Firm income: Not reported

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

H.R. 4, Jobs for America Act (Camp) - ACA provisions H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program H.R. 3598, Catastrophic Plan Bill (Fortenberry) - expanded access to catastrophic plans H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) - ACA reinsurance and risk corridor programs H.R. 3851, No Bailouts for Insurance Industry Act (Lance) - ACA reinsurance and risk corridor programs H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) - ACAs reinsurance, risk corridor, and risk adjustment programs H.R. 4118, SIMPLE Fairness Act (Jenkins) - delay in ACA individual mandate penalties H.R. 4302, Protecting Access to Medicare Act (Pitts) - ACA Limits on Deductibles for Plans in Small Group Market H.R. 4354, ACA Taxpayer Bailout Protection Act (Griffin) - ACA risk corridor program H.R. 4406, Taxpayer Bailout Protection Act (Lance) - ACA risk corridor program H.R. 4414, Expatriate Health Coverage Clarification Act (Carney) - relief from ACA for expatriate health plans H.R. 4735, Health Care Fairness and Stability Act (Nolan-McKinley) - ACA transitional reinsurance program H.R. 5175, Protecting Americans from Illegal Bailouts Act (Lance) - ACA risk corridor program S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes S. 482, Health Insurance Rate Review Act (Feinstein) - rate review S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements S. 1671, (Manchin-Kirk) - individual mandate delay S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage S. 2166, Treating Families Fairly Act (Manchin) - ACA determinations of full-time equivalent employees S. 2168, Small Business Stability Act (Heitkamp) - ACA definition of a large employer S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) - ACA direct enrollment S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) - offering health insurance coverage across state lines S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) - access for independent agents and brokers to information about Exchange enrollment S. 2176, Commonsense Reporting Act (Warner) - ACA reporting requirements S. 2214, ACA Taxpayer Bailout Protection Act (Rubio) - ACA risk corridor program S. 2253, Health Care Fairness and Stability Act (Franken-Kirk) - ACA transitional reinsurance program S. 2578, Protect Women's Health From Corporate Interference Act (Murray) - contraceptive coverage S. 2733, Obamacare Opt-Out Act (McCain-Barrasso) - certification process for opting out of ACA individual mandate S. 2801, Health Care Consumer Choices Preservation Act (Enzi) - conditions on automatic renewals H.R. 5860, Small Business Healthcare Relief Act of 2014 (Boustany) -addresses use of Health Reimbursement Accounts and other employer funding of premiums Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; disability income insurance enrollment and awareness; issues related to encouraging impaired workers to stay in/return to the workforce; issues related to the continuation of reporting requirements for state LTCI partnership programs; 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; 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; dependent coverage; treatment of expatriate plans; compliance with the transitional reinsurance program; issues related to fraud, waste, abuse, Stark/Anti-Kickback laws and regulations, non-discriminatory wellness programs; and issues related to supplemental products, and other issues relating to health care reform implementation.

H.R. 4, Jobs for America Act (Camp) - ACA provisions. H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy. H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules. H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy. H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage. H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy. H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review. H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy. H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents. H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes. H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers. H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate. H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees. H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms. H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans. H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties. H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee. H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review. H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay. H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage. H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program. H.R. 3598, Catastrophic Plan Bill (Fortenberry) - expanded access to catastrophic plans. H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs. H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) - ACA reinsurance and risk corridor programs. H.R. 3851, No Bailouts for Insurance Industry Act (Lance) - ACA reinsurance and risk corridor programs. H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) - ACAs reinsurance, risk corridor, and risk adjustment programs. H.R. 4118, SIMPLE Fairness Act (Jenkins) - delay in ACA individual mandate penalties. H.R. 4302, Protecting Access to Medicare Act (Pitts) - ACA Limits on Deductibles for Plans in Small Group Market. H.R. 4354, ACA Taxpayer Bailout Protection Act (Griffin) - ACA risk corridor program. H.R. 4406, Taxpayer Bailout Protection Act (Lance) - ACA risk corridor program. H.R. 4414, Expatriate Health Coverage Clarification Act (Carney) - relief from ACA for expatriate health plans. H.R. 4735, Health Care Fairness and Stability Act (Nolan-McKinley) - ACA transitional reinsurance program. H.R. 5175, Protecting Americans from Illegal Bailouts Act (Lance) - ACA risk corridor program. S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes. S. 482, Health Insurance Rate Review Act (Feinstein) - rate review. S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers. S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents. S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms. S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims. S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements. S. 1671, (Manchin-Kirk) - individual mandate delay. S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties. S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans. S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program. S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges. S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage. S. 2166, Treating Families Fairly Act (Manchin) - ACA determinations of full-time equivalent employees. S. 2168, Small Business Stability Act (Heitkamp) - ACA definition of a large employer. S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) - ACA direct enrollment. S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) - offering health insurance coverage across state lines. S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) - access for independent agents and brokers to information about Exchange enrollment. S. 2176, Commonsense Reporting Act (Warner) - ACA reporting requirements. S. 2214, ACA Taxpayer Bailout Protection Act (Rubio) - ACA risk corridor program. S. 2253, Health Care Fairness and Stability Act (Franken-Kirk) - ACA transitional reinsurance program. S. 2578, Protect Women's Health From Corporate Interference Act (Murray) - contraceptive coverage. S. 2733, Obamacare Opt-Out Act (McCain-Barrasso) - certification process for opting out of ACA individual mandate. S. 2801, Health Care Consumer Choices Preservation Act (Enzi) - conditions on automatic renewals.

Competitive Health Insurance Reform Act of 2013 - H.R. 911, all provisions Health Insurance Industry Fair Competition Act - H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 - H.R. 99, all provisions Competitive Health Insurance Act - H.R. 344, all provisions The Secret Ballot Protection Act - H.R. 2346, all provisions The Representation Fairness Restoration Act - H.R. 2347, all provisions

Client expense: $350,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

National Association of Registered Agents and Brokers Reform Act of 2013 - H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 - H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 - H.R. 508, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 - H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 - H.R. 911, all provisions Health Insurance Industry Fair Competition Act - H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 - H.R. 99, all provisions Competitive Health Insurance Act - H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes - S. 1369, all provisions Insurance Capital and Accounting Standards Act of 2014- H.R. 4510, all provisions Insurance Capital Standards Clarification Act of 2014, S. 2270, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2014- S. 2244, all provisions TRIA Reform Act of 2014- H.R. 4871, all provisions H.R. 5461: To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes, all provisions S. Res. 561 / H. Res. 735 - Expressing the sense of Congress that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS, all provisions

Issues related to agent compensation; ; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418, H.R. 3522, S. 2808. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $708,090 · Firm income: Not reported

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

H.R. 508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 - to extend the Terrorism Risk Insurance Program for five years (TRIPRA) H.R. 99 - Health Insurance Industry Antitrust Enforecement Act of 2013 H.R. 344 - Competitive Helth Insurance Act of 2013Public Law 112-141 - MAP 21- Title II, Biggert-Walters Flood Insurance Reform Act of 2012 (and proposed amendments) H.R. 743 - Health Insurance Industry Fair Competition Act of 2013 H.R. 911 - The Competitive Health Insurance REform Act of 2013 H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act H.R. 776 - Security in Bonding Act of 2013 S. 1098 - Responsible Implemenation of Flood Insurance Reform Act of 2013 S. 996 - A bill to impose the National Flood Insurance Program S. 1075 - Saving Homeowners from Onerous Rate Escalations Act of 2013 H.R. 4871 - TRIA Reform Act of 2014 S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014

Client expense: $632,936 · Firm income: Not reported

H.R. 99, Health Insurance Industry Antitrust Enforcement Act of 2013- To prohibit anticompetitive activities and to provide that health insurance issuers and medical malpractice insurance issuers are subject to the antitrust laws of the United States, and for other purposes. (entire bill)H.R. 344, Competitive Health Insurance Act- To restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. (entire bill) H.R. 743, Health Insurance Industry Fair Competition Act- To restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. (entire bill) H.R. 911, Competitive Health Insurance Reform Act of 2013- To restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. (entire bill) H.R. 1001, To amend the Fair Labor Standards Act of 1938 to provide a specific limited exemption from the overtime pay requirements of such Act for work related to disaster or catastrophe claims adjustment after a major disaster. (entire bill) H.R.2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill)

Client expense: $350,000 · Firm income: Not reported

H.R. 4, Jobs for America Act (Camp) - ACA provisions H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program H.R. 3598, Catastrophic Plan Bill (Fortenberry) - expanded access to catastrophic plans H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) - ACA reinsurance and risk corridor programs H.R. 3851, No Bailouts for Insurance Industry Act (Lance) - ACA reinsurance and risk corridor programs H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) - ACAs reinsurance, risk corridor, and risk adjustment programs H.R. 4118, SIMPLE Fairness Act (Jenkins) - delay in ACA individual mandate penalties H.R. 4302, Protecting Access to Medicare Act (Pitts) - ACA Limits on Deductibles for Plans in Small Group Market H.R. 4354, ACA Taxpayer Bailout Protection Act (Griffin) - ACA risk corridor program H.R. 4406, Taxpayer Bailout Protection Act (Lance) - ACA risk corridor program H.R. 4414, Expatriate Health Coverage Clarification Act (Carney) - relief from ACA for expatriate health plans H.R. 4735, Health Care Fairness and Stability Act (Nolan-McKinley) - ACA transitional reinsurance program H.R. 5175, Protecting Americans from Illegal Bailouts Act (Lance) - ACA risk corridor program S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes S. 482, Health Insurance Rate Review Act (Feinstein) - rate review S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements S. 1671, (Manchin-Kirk) - individual mandate delay S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage S. 2166, Treating Families Fairly Act (Manchin) - ACA determinations of full-time equivalent employees S. 2168, Small Business Stability Act (Heitkamp) - ACA definition of a large employer S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) - ACA direct enrollment S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) - offering health insurance coverage across state lines S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) - access for independent agents and brokers to information about Exchange enrollment S. 2176, Commonsense Reporting Act (Warner) - ACA reporting requirements S. 2214, ACA Taxpayer Bailout Protection Act (Rubio) - ACA risk corridor program S. 2253, Health Care Fairness and Stability Act (Franken-Kirk) - ACA transitional reinsurance program S. 2578, Protect Women's Health From Corporate Interference Act (Murray) - contraceptive coverage S. 2733, Obamacare Opt-Out Act (McCain-Barrasso) - certification process for opting out of ACA individual mandate S. 2801, Health Care Consumer Choices Preservation Act (Enzi) - conditions on automatic renewals Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; disability income insurance enrollment and awareness; issues related to the continuation of reporting requirements for state LTCI partnership programs; 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; 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; issues related to fraud, waste, abuse, Stark/Anti-Kickback laws and regulations, non-discriminatory wellness programs; and issues related to supplemental products, and other issues relating to health care reform implementation.

H.R. 4, Jobs for America Act (Camp) - ACA provisions. H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy. H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules. H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy. H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage. H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy. H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review. H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy. H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents. H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes. H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers. H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate. H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees. H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms. H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans. H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties. H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee. H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review. H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay. H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage. H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program. H.R. 3598, Catastrophic Plan Bill (Fortenberry) - expanded access to catastrophic plans. H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs. H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) - ACA reinsurance and risk corridor programs. H.R. 3851, No Bailouts for Insurance Industry Act (Lance) - ACA reinsurance and risk corridor programs. H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) - ACAs reinsurance, risk corridor, and risk adjustment programs. H.R. 4118, SIMPLE Fairness Act (Jenkins) - delay in ACA individual mandate penalties. H.R. 4302, Protecting Access to Medicare Act (Pitts) - ACA Limits on Deductibles for Plans in Small Group Market. H.R. 4354, ACA Taxpayer Bailout Protection Act (Griffin) - ACA risk corridor program. H.R. 4406, Taxpayer Bailout Protection Act (Lance) - ACA risk corridor program. H.R. 4414, Expatriate Health Coverage Clarification Act (Carney) - relief from ACA for expatriate health plans. H.R. 4735, Health Care Fairness and Stability Act (Nolan-McKinley) - ACA transitional reinsurance program. H.R. 5175, Protecting Americans from Illegal Bailouts Act (Lance) - ACA risk corridor program. S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes. S. 482, Health Insurance Rate Review Act (Feinstein) - rate review. S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers. S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents. S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms. S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims. S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements. S. 1671, (Manchin-Kirk) - individual mandate delay. S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties. S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans. S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program. S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges. S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage. S. 2166, Treating Families Fairly Act (Manchin) - ACA determinations of full-time equivalent employees. S. 2168, Small Business Stability Act (Heitkamp) - ACA definition of a large employer. S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) - ACA direct enrollment. S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) - offering health insurance coverage across state lines. S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) - access for independent agents and brokers to information about Exchange enrollment. S. 2176, Commonsense Reporting Act (Warner) - ACA reporting requirements. S. 2214, ACA Taxpayer Bailout Protection Act (Rubio) - ACA risk corridor program. S. 2253, Health Care Fairness and Stability Act (Franken-Kirk) - ACA transitional reinsurance program. S. 2578, Protect Women's Health From Corporate Interference Act (Murray) - contraceptive coverage. S. 2733, Obamacare Opt-Out Act (McCain-Barrasso) - certification process for opting out of ACA individual mandate. S. 2801, Health Care Consumer Choices Preservation Act (Enzi) - conditions on automatic renewals.

Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisionsCompetitive Health Insurance Act H.R. 344, all provisions The Secret Ballot Protection Act H.R. 2346, all provisions The Representation Fairness Restoration Act H.R. 2347, all provisions

Client expense: $390,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

National Association of Registered Agents and Brokers Reform Act of 2013 H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 508, all provisionsTerrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisions Competitive Health Insurance Act H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 1369, all provisions Insurance Capital and Accounting Standards Act of 2013 - H.R. 4510, all provisions Insurance Capital Standards Clarification Act of 2014, S. 2270, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2014- S. 2244, all provisions TRIA Reform Act of 2014- H.R. 4871, all provisions To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes - H.R. 5461, all provisions Expressing the sense of Congress that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS - S. 561 / H.R. 735, all provisions

Issues related to agent compensation; ; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418, H.R. 3522. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $698,190 · Firm income: Not reported

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

Issues related to agent compensation; ; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $698,190 · Firm income: Not reported

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

H.R. 508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 (all sections of full text) - to extend the Terrorism Risk Insurance Program for five years (TRIPRA) H.R. 99 - Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 344 - Competitive Health Insurance Act of 2013Public Law 112-141 - MAP 21 - Title II, Biggert-Waters Flood Insurance Reform Act of 2012 (and proposed amendments) H.R. 743 - Health Insurance Industry Fair Competition Act of 2013 H.R. 911 - The Competitive health Insurance Reform Act of 2013 H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act of H.R. 776 - Security in Bonding Act of 2013 S. 1098 - Responsible Implementation of Flood Insurance Reform Act of 2013 S. 996 - A bill to impose the National Flood Insurance Program S. 1075 - Saving Homeowners from Onerous Rate Escalations Act of 2013 H.R. 4871 - TRIA Reform Act of 2014 S. 2244 - Terrirosm Risk Insurance Program Reauthorization Act of 2014

Client expense: $1,155,151 · Firm income: Not reported

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) antitrust policy16. Specific Lobbying Issues (continued): H.R. 544, LIBERTY Act (Gingrey-Matheson) age rating rules H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) antitrust policy H.R. 762, Health Care Choice Act (Blackburn) national marketplace for individual coverage H.R. 911, Competitive Health Insurance Reform Act (Gosar) antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) rate review H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) antitrust policy H.R. 1205, Patients Right to Know Act (Walden) disclosures on SBC documents H.R. 1558, Small Business Health Relief Act (Collins) HIT repeal, other ACA changes H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) MLR impact on agents and brokers H.R. 2668, Fairness for American Families Act (Young) delay of ACA individual mandate H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) short-term disability program for federal employees H.R. 3121, American Health Care Reform Act (Roe) replacement health reforms H.R. 3350, Keep Your Health Plan Act (Upton) continuation of existing plans H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) delay of open enrollment and individual mandate penalties H.R. 3489, (Tiberi) repeal of ACA transitional reinsurance fee H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) rate review H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) individual mandate delay H.R. 3522, Employee Health Care Protection Act (Cassidy) continuation of current group coverage H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) repeal of ACA risk corridor program H.R. 3598, Catastrophic Plan Bill (Fortenberry) expanded access to catastrophic plans H.R. 3745, Coverage Protection Act (Kirkpatrick) continuation of coverage for consumers unable to enroll in QHPs H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) ACA reinsurance and risk corridor programs H.R. 3851, No Bailouts for Insurance Industry Act (Lance) ACA reinsurance and risk corridor programs H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) ACAs reinsurance, risk corridor, and risk adjustment programs H.R. 4118, SIMPLE Fairness Act (Jenkins) delay in ACA individual mandate penalties H.R. 4302, Protecting Access to Medicare Act (Pitts) ACA Limits on Deductibles for Plans in Small Group Market H.R. 4354, ACA Taxpayer Bailout Protection Act (Griffin) ACA risk corridor program H.R. 4406, Taxpayer Bailout Protection Act (Lance) ACA risk corridor program H.R. 4414, Expatriate Health Coverage Clarification Act (Carney) relief from ACA for expatriate health plans H.R. 4735, Health Care Fairness and Stability Act (Nolan-McKinley) ACA transitional reinsurance program S. 24, Small Business Health Relief Act (Portman) HIT repeal, other ACA changes S. 482, Health Insurance Rate Review Act (Feinstein) rate review S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) MLR impact on agents and brokers S. 764, Patients Right to Know Act (Cornyn) disclosures on SBC documents S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) third party review of disputed claims S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) continuation of existing plans, notification requirements S. 1671, (Manchin-Kirk) individual mandate delay S. 1693, ACA Enrollment Extension Act (Shaheen) extending open enrollment, delaying individual mandate penalties S. 1699, Continuous Coverage Act (Mark Udall) continuation of existing plans S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) repeal of ACA risk corridor program S. 1729, Expanded Consumer Choice Act (Begich) adding copper level of coverage to ACA Exchanges S. 1866, Coverage Protection Act (Merkley) continuation of coverage, retroactive coverage S. 2166, Treating Families Fairly Act (Manchin) ACA determinations of full-time equivalent employees S. 2168, Small Business Stability Act (Heitkamp) ACA definition of a large employer S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) ACA direct enrollment16. Specific Lobbying Issues (continued): S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) offering health insurance coverage across state lines S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) access for independent agents and brokers to information about Exchange enrollments. S. 2176, Commonsense Reporting Act (Warner) ACA reporting requirements S. 2214, ACA Taxpayer Bailout Protection Act (Rubio) ACA risk corridor program S. 2253, Health Care Fairness and Stability Act (Franken-Kirk) ACA transitional reinsurance program Regulatory Issues: Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; disability income insurance enrollment and awareness; issues related to the continuation of reporting requirements for state LTCI partnership programs; 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; 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; issues related to fraud, waste, abuse, Stark/Anti-Kickback laws and regulations, non-discriminatory wellness programs; and issues related to supplemental products, and other issues relating to health care reform implementation.

H.R. 99, Health Insurance Industry Antitrust Enforcement Act of 2013- To prohibit anticompetitive activities and to provide that health insurance issuers and medical malpractice insurance issuers are subject to the antitrust laws of the United States, and for other purposes. (entire bill)H.R. 344, Competitive Health Insurance Act- To restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. (entire bill) H.R. 743, Health Insurance Industry Fair Competition Act- To restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. (entire bill) H.R. 911, Competitive Health Insurance Reform Act of 2013- To restore the application of the Federal antitrust laws to the business of health insurance to protect competition and consumers. (entire bill) H.R. 1001, To amend the Fair Labor Standards Act of 1938 to provide a specific limited exemption from the overtime pay requirements of such Act for work related to disaster or catastrophe claims adjustment after a major disaster. (entire bill) H.R.2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill)

Client expense: $380,000 · Firm income: Not reported

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy. H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules. H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy. H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage. H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy. H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review. H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy. H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents. H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes. H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers. H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate. H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees. H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms. H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans. H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties. H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee. H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review. H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay. H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage. H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program. H.R. 3598, Catastrophic Plan Bill (Fortenberry) - expanded access to catastrophic plans. H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs. H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) - ACA reinsurance and risk corridor programs. H.R. 3851, No Bailouts for Insurance Industry Act (Lance) - ACA reinsurance and risk corridor programs. H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) - ACAs reinsurance, risk corridor, and risk adjustment programs. H.R. 4118, SIMPLE Fairness Act (Jenkins) - delay in ACA individual mandate penalties. H.R. 4302, Protecting Access to Medicare Act (Pitts) - ACA Limits on Deductibles for Plans in Small Group Market. H.R. 4354, ACA Taxpayer Bailout Protection Act (Griffin) - ACA risk corridor program. H.R. 4406, Taxpayer Bailout Protection Act (Lance) - ACA risk corridor program. H.R. 4414, Expatriate Health Coverage Clarification Act (Carney) - relief from ACA for expatriate health plans. H.R. 4735, Health Care Fairness and Stability Act (Nolan-McKinley) - ACA transitional reinsurance program. S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes. S. 482, Health Insurance Rate Review Act (Feinstein) - rate review. S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers. S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents. S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms. S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims. S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements. S. 1671, (Manchin-Kirk) - individual mandate delay. S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties. S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans. S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program. S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges. S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage. S. 2166, Treating Families Fairly Act (Manchin) - ACA determinations of full-time equivalent employees. S. 2168, Small Business Stability Act (Heitkamp) - ACA definition of a large employer. S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) - ACA direct enrollment. S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) - offering health insurance coverage across state lines. S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) - access for independent agents and brokers to information about Exchange enrollment. S. 2176, Commonsense Reporting Act (Warner) - ACA reporting requirements. S. 2214, ACA Taxpayer Bailout Protection Act (Rubio) - ACA risk corridor program. S. 2253, Health Care Fairness and Stability Act (Franken-Kirk) - ACA transitional reinsurance program.

National Association of Registered Agents and Brokers Reform Act of 2013 H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 508, all provisionsTerrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisions Competitive Health Insurance Act H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 1369, all provisions Insurance Capital and Accounting Standards Act of 2013 - H.R. 4510, all provisions Insurance Capital Standards Clarification Act of 2014, S. 2270, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2014- S. 2244, all provisions TRIA Reform Act of 2014- H.R. 4871, all provisions

Client expense: $420,000 · Firm income: Not reported

Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisionsCompetitive Health Insurance Act H.R. 344, all provisions The Secret Ballot Protection Act H.R. 2346, all provisions The Representation Fairness Restoration Act H.R. 2347, all provisions

Client expense: $420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisionsCompetitive Health Insurance Act H.R. 344, all provisions The Secret Ballot Protection Act H.R. 2346, all provisions The Representation Fairness Restoration Act H.R. 2347, all provisions

Client expense: $420,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

National Association of Registered Agents and Brokers Reform Act of 2013 H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 508, all provisionsTerrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisions Competitive Health Insurance Act H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 1369, all provisions Insurance Capital and Accounting Standards Act of 2013 - H.R. 4510, all provisions Insurance Capital Standards Clarification Act of 2014, S. 2270, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2014- S. 2244, all provisions TRIA Reform Act of 2014- H.R. 4871, all provisions

Client expense: $420,000 · Firm income: Not reported

Issues related to agent compensation; ; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $694,328 · Firm income: Not reported

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

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) antitrust policy16. Specific Lobbying Issues (continued): H.R. 544, LIBERTY Act (Gingrey-Matheson) age rating rules H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) antitrust policy H.R. 762, Health Care Choice Act (Blackburn) national marketplace for individual coverage H.R. 911, Competitive Health Insurance Reform Act (Gosar) antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) rate review H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) antitrust policy H.R. 1205, Patients Right to Know Act (Walden) disclosures on SBC documents H.R. 1558, Small Business Health Relief Act (Collins) HIT repeal, other ACA changes H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) MLR impact on agents and brokers H.R. 2668, Fairness for American Families Act (Young) delay of ACA individual mandate H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) short-term disability program for federal employees H.R. 3121, American Health Care Reform Act (Roe) replacement health reforms H.R. 3350, Keep Your Health Plan Act (Upton) continuation of existing plans H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) delay of open enrollment and individual mandate penalties H.R. 3489, (Tiberi) repeal of ACA transitional reinsurance fee H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) rate review H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) individual mandate delay H.R. 3522, Employee Health Care Protection Act (Cassidy) continuation of current group coverage H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) repeal of ACA risk corridor program H.R. 3745, Coverage Protection Act (Kirkpatrick) continuation of coverage for consumers unable to enroll in QHPs H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) ACA reinsurance and risk corridor programs H.R. 3851, No Bailouts for Insurance Industry Act (Lance) ACA reinsurance and risk corridor programs H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) ACAs reinsurance, risk corridor, and risk adjustment programs H.R. 4118, SIMPLE Fairness Act (Jenkins) delay in ACA individual mandate penalties H.R. 4302, Protecting Access to Medicare Act (Pitts) ACA Limits on Deductibles for Plans in Small Group Market S. 24, Small Business Health Relief Act (Portman) HIT repeal, other ACA changes S. 482, Health Insurance Rate Review Act (Feinstein) rate review S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) MLR impact on agents and brokers S. 764, Patients Right to Know Act (Cornyn) disclosures on SBC documents S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) third party review of disputed claims S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) continuation of existing plans, notification requirements S. 1671, (Manchin-Kirk) individual mandate delay S. 1693, ACA Enrollment Extension Act (Shaheen) extending open enrollment, delaying individual mandate penalties S. 1699, Continuous Coverage Act (Mark Udall) continuation of existing plans S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) repeal of ACA risk corridor program S. 1729, Expanded Consumer Choice Act (Begich) adding copper level of coverage to ACA Exchanges S. 1866, Coverage Protection Act (Merkley) continuation of coverage, retroactive coverage S. 2166, Treating Families Fairly Act (Manchin) ACA determinations of full-time equivalent employees S. 2168, Small Business Stability Act (Heitkamp) ACA definition of a large employer S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) ACA direct enrollment S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) offering health insurance coverage across state lines S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) access for independent agents and brokers to information about Exchange enrollment S. 2176, Commonsense Reporting Act (Warner) ACA reporting requirements16. Specific Lobbying Issues (continued): Regulatory Issues: Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; disability income insurance enrollment and awareness; issues related to the continuation of reporting requirements for state LTCI partnership programs; 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; 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; issues related to fraud, waste, abuse, Stark/Anti-Kickback laws and regulations, non-discriminatory wellness programs; and issues related to supplemental products, and other issues relating to health care reform implementation. 18. Name of Lobbyists (continued): C. Lawrence: Assistant, Legislative Director for Rep. Bill Cassidy (LA-6); May 2008-July 200: Staff Assistant, Legislative Correspondent for Rep. Tom Price (GA-6)

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy; H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules; H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy; H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage; H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy; H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review; H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy; H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents; H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes; H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers; H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate; H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees; H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms; H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans; H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties; H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee; H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review; H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay; H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage; H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program; H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs; H.R. 3812, No Bailouts for Insurance Industry Act (Coffman) - ACA reinsurance and risk corridor programs; H.R. 3851, No Bailouts for Insurance Industry Act (Lance) - ACA reinsurance and risk corridor programs; H.R. 3985, Stop ACA's Risky Provisions Act (Westmoreland) - ACAs reinsurance, risk corridor, and risk adjustment programs; H.R. 4118, SIMPLE Fairness Act (Jenkins) - delay in ACA individual mandate penalties; H.R. 4302, Protecting Access to Medicare Act (Pitts) - ACA Limits on Deductibles for Plans in Small Group Market; S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes; S. 482, Health Insurance Rate Review Act (Feinstein) - rate review; S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers; S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents; S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms; S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims; S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements; S. 1671, (Manchin-Kirk) - individual mandate delay; S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties; S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans; S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program; S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges; S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage; S. 2166, Treating Families Fairly Act (Manchin) - ACA determinations of full-time equivalent employees; S. 2168, Small Business Stability Act (Heitkamp) - ACA definition of a large employer; S. 2173, Consumers Having Options in Choosing Enrollment Act (Landrieu) - ACA direct enrollment; S. 2174, Commonsense Competition and Access to Health Insurance Act (Warner) - offering health insurance coverage across state lines; S. 2175, Enhancing Access for Agents and Brokers Act (Landrieu) - access for independent agents and brokers to information about Exchange enrollment; S. 2176, Commonsense Reporting Act (Warner) - ACA reporting requirements.

National Association of Registered Agents and Brokers Reform Act of 2013 H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 508, all provisionsTerrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisions Competitive Health Insurance Act H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 1369, all provisions Insurance Capital and Accounting Standards Act of 2013 - H.R. 2140, all provisions

Client expense: $400,000 · Firm income: Not reported

Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisionsCompetitive Health Insurance Act H.R. 344, all provisions The Secret Ballot Protection Act H.R. 2346, all provisions The Representation Fairness Restoration Act H.R. 2347, all provisions

Client expense: $400,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

H.R. 99, Health Insurance Industry Antitrust Enforcement Act H.R. 344, Competitive Health Insurance Act H.R. 743, Health Insurance Industry Fair Competition ActH.R. 911, Competitive Health Insurance Reform Act H.R. 1001, To amend the Fair Labor Standards Act of 1938 to provide a specific limited exemption from the overtime pay requirements of such Act for work related to disaster or catastrophe claims adjustment after a major disaster. H.R.2129, Defense Base Act Insurance Improvement Act of 2013

Client expense: $260,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

H.R. 508 - Terrorism Risk Insurance Act of 2002 Reathorization Act of 2013 (all sections of full text) - to extend the Terrorism Risk Insurance Program for five years (TRIPRA) H.R. 99 - Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 344 - Competitive Health Insurance Act of 2013Public Law 112-141 - MAP 21 - Title II, Biggert-Waters Flood Insurance Reform Act of 2012 (and proposed amendments) H.R. 743 - Health Insurance Industry Fair Competition Act of 2013 H.R. 911 - The Competitive Health Insurance Reform Act of 2013 H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act H.R. 776 - Security in Bonding Act of 2013 S. 1098 - Responsible Implementation of Flood Insurance Reform Act of 2013 S. 996 - A bill to impose the National Flood Insurance Program S. 1075 - Saving Homeowners from Onerous Rate Escalations Act of 2013

Client expense: $839,534 · Firm income: Not reported

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

Natural Catastrophes - HR 240, Dennis Ross (R-FL), The Homeowners Insurance Protection Act. HR 960, Michael Grimm (R-NY), Flood Victim Premium Relief Act of 2013 HR 1035, Gwen Moore (D-WI), To require a study of voluntary community-based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes. HR 1101, Albio Sires (D-NJ), Homeowners and Taxpayers Protection Act S. Bill Nelson (D-FL) TRIA HR 508, Michael Grimm (R-NY), Terrorism Risk Insurance Act of 2002 Reauthorization Act. HR 1945, Bennie Thompson (D-MS), Fostering Resilience to Terrorism Act of 2013. HR 2146, Michael Capuano (D-MA), Terrorism Risk Insurance Program Reauthorization Act Surety HR 776, Richard Hannah (R-NY), The Security in Bonding Act. HR 170, Gene Green (D-TX), Recordkeeping for Site Controllers. HR 1982, David Reichert (R-WA), Medicare Secondary Payer and Workers' Compensation Settlement Agreements Act. HR 1366, Stephen Lynch (D-MA), Stop Oxy Abuse Act of 2013. HR 1285, Vern Buchanan (R-FL). S 631, Joe Manchin (D-WV), Safe Prescribing Act of 2013 Liability HR 1369, Carolyn Maloney (D-NY), Firearm Risk Protection Act of 2013. McCarran HR 743, Peter DeFazio (D-OR), Health Insurance Industry Fair Competition Act. HR 911, Paul Gosar (R-AZ), Competitive Health Insurance Reform Act Cybersecurity HR 624, Mike Rogers (R-MI), Cyber Intelligence Sharing and Protection Act Promoting Automotive Repair, Trade, and Sales (PARTS) Act HR 1663 Sponsored by Reps. Issa (R-CA) and Lofgren (D-CA) S. 780 Sponsored by Senators Whitehouse (D-RI) and Hatch (R-UT) Building Codes/Mitigation HR 1878, Mario Diaz-Balart (R-FL), Safe Building Code Incentive Act S. 924, Robert Menendez (D-NJ), Safe Building Code Incentive Act Adjuster Licensing HR 2156, Stephen Fincher (R-NY), Claims Licensing Advancement for Interstate Matters (CLAIM) Act Infrastructure HR 2084 John Delaney (D-MD) Partnership to Build America Act of 2013 S. 601 Barbara Boxer (D-CA) Water Resources Development Act Tax HR 2054 Richard Neal (D-MA) To amend the Internal Revenue Code of 1986 to prevent the avoidance of tax by insurance companies through reinsurance with non-taxed affiliates.

Issues related to the systemic risk designation process in the U.S. and globally Various issues related to the role of the Fed. Insurance Office, Financial Stability Oversight Council & Office of Financial Research Issues related to the terrorism risk insurance program and its reauthorization - HR 508, HR 2146, HR 1945 Issues related to the federal crop insurance programIssues related to the repeal of McCarran Ferguson Act - HR 743 National Association of Registered Agents and Brokers Reform Act of 2013 - HR 1155, S. 534, HR 1064 Defense Base Act Insurance Improvement Act of 2013 - HR 2129 Issues related to cyber risk

Client expense: $500,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Issues related to agent compensation; S. 650, H.R. 2328. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $731,700 · Firm income: Not reported

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

H.R. 508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 (all sections of full text) - to extend the Terrorism Risk Insurance Program for five years (TRIPRA) H.R. 99 - Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 344 - Competitive Health Insurance Act of 2013Public Law 112-141 - MAP 21 - Title II, Biggert-Waters Flood Insurance Reform Act of 2012 (and proposed amendments) H.R. 743 - Health Insurance Industry Fair Competition Act of 2013 H.R. 911 - The Competitive Health Insurance Reform Act of 2013 H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act H.R. 776 - Security in Bonding Act of 2013 S. 1098 - Responsible Implementation of Flood Insurance Reform Act of 2013 S. 996 - A bill to impose the National Flood Insurance Program S. 1075 - Saving Homeowners from Onerous Rate Escalations Act of 2013

Client expense: $625,560 · Firm income: Not reported

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

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) antitrust policy16. Specific Lobbying Issues (continued): H.R. 544, LIBERTY Act (Gingrey-Matheson) age rating rules H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) antitrust policy H.R. 762, Health Care Choice Act (Blackburn) national marketplace for individual coverage H.R. 911, Competitive Health Insurance Reform Act (Gosar) antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) rate review H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) antitrust policy H.R. 1205, Patients Right to Know Act (Walden) disclosures on SBC documents H.R. 1558, Small Business Health Relief Act (Collins) HIT repeal, other ACA changes H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) MLR impact on agents and brokers H.R. 2668, Fairness for American Families Act (Young) delay of ACA individual mandate H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) short-term disability program for federal employees H.R. 3121, American Health Care Reform Act (Roe) replacement health reforms H.R. 3350, Keep Your Health Plan Act (Upton) continuation of existing plans H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) delay of open enrollment and individual mandate penalties H.R. 3489, (Tiberi) repeal of ACA transitional reinsurance fee H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) rate review H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) individual mandate delay H.R. 3522, Employee Health Care Protection Act (Cassidy) continuation of current group coverage H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) repeal of ACA risk corridor program H.R. 3745, Coverage Protection Act (Kirkpatrick) continuation of coverage for consumers unable to enroll in QHPs S. 24, Small Business Health Relief Act (Portman) HIT repeal, other ACA changes S. 482, Health Insurance Rate Review Act (Feinstein) rate review S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) MLR impact on agents and brokers S. 764, Patients Right to Know Act (Cornyn) disclosures on SBC documents S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) model disclosure forms S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) third party review of disputed claims S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) continuation of existing plans, notification requirements S. 1671, (Manchin-Kirk) individual mandate delay S. 1693, ACA Enrollment Extension Act (Shaheen) extending open enrollment, delaying individual mandate penalties S. 1699, Continuous Coverage Act (Mark Udall) continuation of existing plans S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) repeal of ACA risk corridor program S. 1729, Expanded Consumer Choice Act (Begich) adding copper level of coverage to ACA Exchanges S. 1866, Coverage Protection Act (Merkley) continuation of coverage, retroactive coverage Regulatory Issues: Insurance regulatory reform; issues related to the coordination of private and public disability income benefits; disability risk management; issues related to the continuation of reporting requirements for state LTCI partnership programs; 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; issues related to fraud, waste, abuse, Stark/Anti-Kickback laws and regulations, non-discriminatory wellness programs; and issues related to supplemental products, and other issues relating to health care reform implementation.

Issues related to the systemic risk designation process in the U.S. and globally Various issues related to the role of the Fed. Insurance Office, Financial Stability Oversight Council & Office of Financial Research Issues related to the terrorism risk insurance program and its reauthorization - HR 508, HR 2146, HR 1945 Issues related to the federal crop insurance programIssues related to the repeal of McCarran Ferguson Act - HR 743 National Association of Registered Agents and Brokers Reform Act of 2013 - HR 1155, S. 534, HR 1064 Defense Base Act Insurance Improvement Act of 2013 - HR 2129 Issues related to cyber risk

Client expense: $450,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 99: Health Insurance Industry Antitrust Enforcement Act H.R. 344: Competitive Health Insurance Act H.R. 743: Health Insurance Industry Fair Competition ActH.R. 911: Competitive Health Insurance Reform Act H.R. 1001: To amend the Fair Labor Standards Act of 1938 to provide a specific limited exemption from the overtime pay requirements of such Act for work related to disaster or catastrophe claims adjustment after a major disaster. H.R.2129, Defense Base Act Insurance Improvement Act of 2013

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

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisionsCompetitive Health Insurance Act H.R. 344, all provisions The Secret Ballot Protection Act H.R. 2346, all provisions The Representation Fairness Restoration Act H.R. 2347, all provisions

Client expense: $340,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

National Association of Registered Agents and Brokers Reform Act of 2013 H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 H.R. 508, all provisionsTerrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 H.R. 911, all provisions Health Insurance Industry Fair Competition Act H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 99, all provisions Competitive Health Insurance Act H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 1369, all provisions Insurance Capital and Accounting Standards Act of 2013 - H.R. 2140, all provisions

Client expense: $340,000 · Firm income: Not reported

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy. H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules. H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy . H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage. H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review.H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy. H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents. H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes. H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers. H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate. H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees. H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms. H.R. 3350, Keep Your Health Plan Act (Upton) - continuation of existing plans. H.R. 3425, Health Care Access Fairness and Penalty Delay Act (Lipinski-Sinema) - delay of open enrollment and individual mandate penalties. H.R. 3489, (Tiberi) - repeal of ACA transitional reinsurance fee. H.R. 3504, Consumer Protection and Rate Review Act (Schakowsky) - rate review. H.R. 3517, Federal and State Insurance Exchange Access Fairness and Penalty Delay Act (Schrader) - individual mandate delay. H.R. 3522, Employee Health Care Protection Act (Cassidy) - continuation of current group coverage. H.R. 3541, Obamacare Taxpayer Bailout Prevention Act (Griffin) - repeal of ACA risk corridor program H.R. 3745, Coverage Protection Act (Kirkpatrick) - continuation of coverage for consumers unable to enroll in QHPs. S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes. S. 482, Health Insurance Rate Review Act (Feinstein) - rate review. S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers. S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documents. S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms. S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims. S. 1642, Keeping the ACA Promise Act (Landrieu-Manchin) - continuation of existing plans, notification requirements. S. 1671, (Manchin-Kirk) - individual mandate delay. S. 1693, ACA Enrollment Extension Act (Shaheen) - extending open enrollment, delaying individual mandate penalties. S. 1699, Continuous Coverage Act (Mark Udall) - continuation of existing plans. S. 1726, Obamacare Taxpayer Bailout Prevention Act (Rubio) - repeal of ACA risk corridor program. S. 1729, Expanded Consumer Choice Act (Begich) - adding copper level of coverage to ACA Exchanges. S. 1866, Coverage Protection Act (Merkley) - continuation of coverage, retroactive coverage.

Issues related to agent compensation; S. 650, H.R. 2328. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $706,385 · Firm income: Not reported

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

Issues related to agent compensation; S. 650, H.R. 2328. Issues related to the implementation of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995. Issues related to HSA/FSA reform; H.R. 2194, S. 1031. Issues related to the McCarran-Ferguson anti-trust exemption; H.R. 743.

Client expense: $706,385 · Firm income: Not reported

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

H.R. 508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 (all sections of full text) - to extend the Terrorism Risk Insurance Program for five years (TRIPRA) H.R. 99 - Health Insurance Industry Antitrust Enforcement Act of 2013 H.R. 344 - Competitive Health Insurance Act of 2013Public Law 112-141 - MAP 21 - Title II, Biggert-Waters Flood Insurance Reform Act of 2012 (and proposed amendments) H.R. 743 - Health Insurance Industry Fair Competition Act of 2013 H.R. 911 - The Competitive Health Insurance Reform Act of 2013 H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act H.R. 776- Security in Bonding Act of 2013 S. 1098 - Responsible Implementation of Flood Insurance Reform Act of 2013 S. 996 - A bill to impose the National Flood Insurance Program S. 1075 - Saving Homeowners from Onerous Rate Escalations Act of 2013

Client expense: $696,602 · Firm income: Not reported

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

Issues related to the systemic risk designation process in the U.S. and globally Various issues related to the role of the Fed. Insurance Office, Financial Stability Oversight Council & Office of Financial Research Issues related to the terrorism risk insurance program and its reauthorization - HR 508, HR 2146, HR 1945 Issues related to the federal crop insurance programIssues related to the repeal of McCarran Ferguson Act - HR 743 National Association of Registered Agents and Brokers Reform Act of 2013 - HR 1155, S. 534, HR 1064 Defense Base Act Insurance Improvement Act of 2013 - HR 2129 Issues related to cyber risk

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

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

Issues related to the systemic risk designation process in the U.S. and globally Various issues related to the role of the Fed. Insurance Office, Financial Stability Oversight Council & Office of Financial Research Issues related to the terrorism risk insurance program and its reauthorization - HR 508, HR 2146, HR 1945 Issues related to the federal crop insurance programIssues related to the repeal of McCarran Ferguson Act - HR 743 National Association of Registered Agents and Brokers Reform Act of 2013 - S. 534, HR 1064 Defense Base Act Insurance Improvement Act of 2013 - HR 2129

Client expense: $1,320,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Security Council (NSC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 99, Health Insurance Industry Antitrust Enforcement Act (Conyers) - antitrust policy. H.R. 544, LIBERTY Act (Gingrey-Matheson) - age rating rules. H.R. 743, Health Insurance Industry Fair Competition Act (DeFazio) - antitrust policy. H.R. 762, Health Care Choice Act (Blackburn) - national marketplace for individual coverage. H.R. 911, Competitive Health Insurance Reform Act (Gosar) - antitrust policy H.R. 1019, Health Insurance Rate Review Act (Schakowsky) - rate review. H.R. 1188, Preserving Our Hometown Independent Pharmacies Act (Marino) - antitrust policy. H.R. 1205, Patients Right to Know Act (Walden) - disclosures on SBC documents. H.R. 1558, Small Business Health Relief Act (Collins) - HIT repeal, other ACA changes. H.R. 2328, Access to Professional Health Insurance Advisors Act (Rogers-Barrow) - MLR impact on agents and brokers. H.R. 2668, Fairness for American Families Act (Young) - delay of ACA individual mandate. H.R. 2698, Federal Employee Short-Term Disability Insurance Act (Norton) - short-term disability program for federal employees. H.R. 3121, American Health Care Reform Act (Roe) - replacement health reforms. H.J.Res. 59, Continuing Resolution (Rogers) - ACA individual mandate. S. 24, Small Business Health Relief Act (Portman) - HIT repeal, other ACA changes. S. 482, Health Insurance Rate Review Act (Feinstein) - rate review. S. 650, Access to Independent Health Insurance Advisors Act (Landrieu) - MLR impact on agents and brokers. S. 764, Patients Right to Know Act (Cornyn) - disclosures on SBC documentS. S. 1473, Long-Term Care Insurance Consumer Right-to-Know Act (Klobuchar) - model disclosure forms. S. 1481, Long Term Care Insurance Integrity Act (Klobuchar) - third party review of disputed claims.

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

H.R. 99: Health Insurance Industry Antitrust Enforcement Act H.R. 344: Competitive Health Insurance Act H.R. 743: Health Insurance Industry Fair Competition ActH.R. 911: Competitive Health Insurance Reform Act H.R. 1001: To amend the Fair Labor Standards Act of 1938 to provide a specific limited exemption from the overtime pay requirements of such Act for work related to disaster or catastrophe claims adjustment after a major disaster. H.R.2129, Defense Base Act Insurance Improvement Act of 2013

Client expense: $290,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of