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Opt-Out Arrangements: Employer Compliance Considerations

A popular benefit provision that many employers have often implemented as a benefits cost savings measure is an opt-out provision within their health plans. Under the arrangement, employers offer a financial incentive for one to waive enrolling in the employer-sponsored health plan. This is done under the premise that offering an opt-out is more cost-effective to employers than having the employee enroll in the group health plan. Offering such an incentive, however, comes with many compliance considerations for an employer.

Read the Benefits Brief.

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