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As health reform opens up employer-sponsored health plans to more individuals, the covered population is becoming more diverse, challenging employers to offer plans that meet more diverse needs. In addition, employers are looking for ways to reduce plan cost to avoid the excise tax on high-cost plans looming in 2018. One way to accomplish this while still ensuring that employees have access to the level of coverage they want is to provide a lower-cost medical plan with supplemental voluntary coverages.

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