Category: ESI
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Let’s talk about the Employer Tax Exclusion
The Employer Tax Exclusion emerged during WWII, when a federal wage freeze prompted employers to offer health benefits as tax-exempt compensation. Today, that system covers 164 million Americans. Every so often, Washington debates cutting the exclusion because it’s seen as a “cost” in federal budgeting. But ending or limiting it would undermine a stable, efficient… Read more
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Spread Pricing: Stability vs. Transparency in Healthcare
Let’s talk about spread pricing and it’s impact on E=CUP. What’s spread pricing? It’s a markup. We understand spread pricing in the physical good world. If you go to a store, you understand that the store paid a lower price for the product than they’re charging you. That spread in the wholesale cost versus the… Read more