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Thursday, December 4, 2014

2:30 p.m. -

DEFINED CONTRIBUTION FOR HEALTH INSURANCE: THE APPEAL, THE PITFALLS, PLANNING YOUR FIXED CONTRIBUTIONS

Panelist: Christopher Condeluci, Principal, CC LAW & POLICY PLLC

The Appeal

• Why is a defined contribution/fixed contribution strategy attractive to employers?
        • Are there cost savings?
        • Better Predictability? 
        • Does it promote consumerism?

• Why is a defined contribution/fixed contribution strategy attractive to employees?
        • Empowers the employee
        • Increased choice
        • Ability to aggregate insurance protections

The Pitfalls

• Cost-shift
• Improper communication
• Resulting employee backlash

Planning Your Fixed Contributions

• Tax treatment of contributions: “group” v. “individual”
• Varying your fixed contributions
• Future regulatory landscape

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