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Cafeteria Plans & Subsidy Changes: Employer Guidance for 2025
HUB International 
[Guidance Overview] Dec. 15, 2025 "As subsidies shrink or disappear, many people are seeing their exchange premiums increase dramatically ... The cafeteria plan rules do allow for election changes if an employee (or spouse or eligible dependent) who is currently enrolled in employer sponsored coverage seeks to change their election in order to enroll in exchange coverage. This, however, is a one-way street ... It does not allow individuals to move from exchange coverage onto group plans." MORE >> |
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