At the CAFP meeting, John Bender MD thanked everyone for the fabulous work on the DPC bill! He wanted to let us know ahead of time that he will be submitting a bill next year. In some other states, stop loss insurance has been one way that employers can provide wrap around insurance through companies like Allied National. But we have a law on the books that discourages these companies to come to our state. He will introduce a bill to lower the attachment point from $40K to $10K to entice reinsurers to come back to our state. He gave a good description of how stop loss insurance can work with DPC for employers, even smaller employers with 25 employees. It is hard for me to recollect it all exactly, but it made sense. Basically, the employer would cover the first $10K of every employees health insurance expenses and then after that be able to use a smaller company (a non-Blue Cross, non-Aetna, non-United type company... like Summit Re or Munich Re) to cover catastrophic things through a reinsurance policy. And then employers incentivize use of a DPC over urgent care or ER visits because there would be a charge (say up to $1K) to use the ER or urgent care, but going to the DPC would be "free" or covered by a defined contribution (HRA?). It is working well for employers in other states and they can now afford insurance for their employees again without going out of business. Dr. Bender felt that the insurance industry in Colorado may not care and also that this may be under the radar of the Div of Ins so it may pass next year or the next if he introduces it. Anyway, just wanted to post that here since he wanted every to be aware so you all have a chance for input. I hope I didn't massacre the intent and explanation. Further questions probably best to John. I'm just trying to act as secretary for this one meeting.