Overview
Employer-provided health care coverage has changed significantly, with costs shifting to employers and employees. To manage these costs, options include high-deductible health plans (HDHPs), health savings accounts (HSAs), flexible savings accounts (FSAs), and qualified small employer health reimbursement arrangements (QSEHRAs). Understanding these plans helps you offer valuable solutions to clients.
Learning Objectives
- cite the forces that drive the costs of health care
- describe how insurers and employers shift the costs of health care coverage to employees
- explain the purpose and function of high-deductible health care plans (HDHPs)
- explain the purpose and function of health savings accounts (HSAs), flexible health care spending accounts (FSAs), and qualified small employer health reimbursement arrangements (QSEHRAs)
- compare and contrast the features and benefits of all of these plans, citing the similarities and the differences
Designed For
Life and health insurance producers and finance professionals
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