This session will review and explain the implications of COVID-19 on the health care insurance market in Pennsylvania. It will examine usage statistics, cost increases, premium credits and other factors of which plan sponsors should be aware. Additionally, as municipalities begin their budgeting process for 2021, this session will provide a road map for municipalities to plan for future health care costs as well as explore opportunities for savings both in the short-term and foreseeable future. Instructor—Michael Boyd, CEBS, President and CEO, Benegration