Accident Riders

Individual Marketplace options

Discussion Items

Policy benefit maximums

Does not cover all essential benefits

Waiting period for pre-existing conditions

Can be denied coverage based on health

Not Affordable Care Act (ACA) compliant plans

Individual Short-Term Plans

Goals and Objectives

Tax consequences

HRA

Group vs. Individual (subsidies)

Participation and Contribution

Discussion Items

Unlimited maximum benefit

Covers 10 essential benefits

No pre-existing condition limitations

Guaranteed issue

Affordable Care Act (ACA) compliant plans

ACA Group Plans

HEALTH PLAN OPTIONS