A very hot growth area for our companies at this time is related to risk advantages associated with ACA. Utilizing both industry leaders and some proprietary products, Trean Re has developed a unique small employer (15 +), level-funded, fully underwritten, turn-key medical stop-loss program that is "plug-n-play" for fully insured writers and MGU's to jump start their small employer products. We offer access to paper, individual and group medical underwriting services, claims/TPA management, marketing support, reinsurance design and placement, so HMO's and fully-insured medical providers can quickly enter the market with their name on the product and bring new healthy business into their network while protecting against other stop-loss ventures cherry picking their community rated, healthy employers. The flexibility is in carrier, TPA, multiple plan design options and network pricing that reflects the clients contracts with complete wrap-around network options and options for billed charges with cost plus pricing. We can also offer captive consultation and cell captive participation or development.