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These are employer-sponsored group plan. This health policy is selected & purchased by the employer. These plans are offered to eligible employees & their dependents. 


  • The employer will typically share the premium cost with the employee (often splits premiums)

  • Most predominant & lowest cost way Americans obtain health insurance today

  • ACA plans aka ObamaCare plans

  • Employer chooses plan options

  • Employer does ALL the work

  • Employer premium contributions are NOT subject to federal taxes

  • Employee contributions are paid with pre-tax income (lowers employees taxable income)