CONSUMER PLANS/ACCOUNTS

We have been highly active and engaged in the development and implementation of consumer-driven health care plan designs over the past decade. Mark helped design the first modern health reimbursement arrangement (HRA) for Minneapolis start-up Definity Health in early 2001, and defended it before Treasury and IRS officials in Washington, D.C. in the months leading to their authorization in IRS Notice 2002-45. Mark has also been actively engaged in the development of "private exchanges" that use HRAs as a funding vehicle group health plan premiums, and he assisted the State of Utah with its multi-payer HRA SHOP exchange. Mark has advised three of the top ten HSA custodians in the design and implementation of HSAs, helping to bring a new financial product to market from raw legislation. Phil oversaw the early adoption of HRAs and HSAs nationwide and has addressed numerous issues of first impression that are critical to employees and employers. 

We are extremely knowledgeable on the rules governing high deductible health plans or HDHPs, HRAs, HSAs, FSAs and can provide efficient resources for questions you may have on those arrangements.

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