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Supplemental Health Insurance as Excepted Benefits


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As I read the FAB, truly 'supplemental' policies are excepted. Individual policies for major medical could yet be part of a group health plan, subject to the health reform requirements for group health plans and that often are not in those individual policies. It depends on the level of involvement of the employer in choosing the individual policies, cutting a premium price break for its employees, or bearing part of the expense of the premiums.

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