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Although some retirees receive less than they were promised, no retiree from a federally insured plan in the private sector has come away empty-handed since the federal pension law was enacted in 1974.
At this time Harken's focus is on individuals and small businesses seeking a fully insured plan.
In that role he developed new programs to meet the needs of self insured plan sponsors including a medical tourism pilot program, as well as new benefit designs, such as evidence based or value based benefits (coverage based on the value of the service or intervention).
A religious university with an insured plan tells its insurer that it would like to contract for a group plan that excludes contraceptives.
The solution for big companies, said Mr. Wolfe, was to self fund health insurance for the rank and file and buy a separate insured plan for the executives.
With an insured plan, the employer purchases a group plan from a health insurer, such as Aetna.
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In Zubik, the various religious nonprofits utilized three different types of insurance plans that are treated differently for purposes of ERISA: (1) insured plans, (2) self-insured plans, and (3) church plans.
For example, California requires insured plans to cover surgical abortions, but self-insured plans are exempted.
In Connecticut, about 54percentt of the population gets health insurance through an employer, and of these, about 50percentt have coverage from fully insured plans and thus would benefit from this law.
Several of the plaintiffs use insured plans.
More pressingly, the justices' Zubik decision only discussed insured plans.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com