Posted in Deductibles, Economic Issues, Employee Benefits, Employer-Sponsored Health Plans, Health Insurance, Health Reimbursement Arrangement (HRA), Health Savings Accounts (HSA's), Medical Costs, Uncategorized

The Inevitable Shift to Defined Contribution | The Institute for HealthCare Consumerism

Frank B. Mengert, Partner and Director of Private Exchange Technology, ebenefit Marketplace

The health care industry has been through the biggest change in history, with an impact some say is even greater than ERISA, Medicare and Medicaid. The current trends in the business and regulatory environment are leading to more creative ways to continue offering employee benefits. One of those methods has taken the industry by storm with the reinvention of the defined contribution plan.

This can be done in a variety of ways depending on how crafty the employer wants to get in their delivery. In most instances, defined contribution is being brought on with the implementation of a private exchange. This allows an employer to provide a comprehensive suite of products including several medical plan choices, CDHP options, life, disability, voluntary and non-traditional offerings like pet insurance, identity theft and more.

The Inevitable Shift to Defined Contribution | The Institute for HealthCare Consumerism.


A primary care physician by training, my passion is researching and writing about the importance restoring patient centered care, supporting independent private physicians, promoting free-market solutions and seeking sustainable fiscal policy in healthcare.

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