plans for buyers and sellers. Subjects include: flexible benefit plans including cafeteria plans, premium-only plans and flexible spending plans. Consumer-oriented plans include health reimbursement arrangements (HRA) and health savings accounts (HSA). Managed care coverage includes HMOs, PPOs and point of service plans, along with indemnity plans. Disability and long-term care coverage includes short-term, long-term and long-term-care insurance. Retirement includes 401(k), 403(b), 547(b), Roth 401(k)/403(b) , Keogh, simplified employee pension, savings incentive match plan for employees, defined benefit and hybrid retirement plans, and group life insurance. Voluntary benefits and employer considerations include dental, vision, legal services, stop-loss, COBRA, captives, risk-retention groups, risk pools and self-insured plans.

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