Don’t forget to double-test your health plan for discrimination

Failure alert!  Plan sponsors who forget to actually do discrimination testing run into all sorts of problems, including the possibility that their plan can be disqualified.  Employee health plans, like cafeteria plans and self-funded welfare benefit plans have to do annual discrimination testing to remain qualified.  Insured health plans will eventually be subject to discrimination testing, but they have a reprieve for now.  Size doesn't matter.

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