Over the last 30 years, employers have transitioned away from offering defined benefit plans such as pensions to their employees. Longer lifespans simply made those plans too expensive to manage and this is where the 401(k) stepped in, allowing employees to save for themselves. Along those same lines, employers are starting to transition away from offering expensive PPO and HMO plans, instead offering “high deductible health plans” coupled with the Health Savings Account. For our clients, this is proving to be a more popular option as time goes on, ensuring they are prepared for the medical expenses they will incur during retirement. Tune in to hear all about how these work from both the employee and employer’s perspective.
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