Multi-employers that continue to offer health care benefits to retirees are embracing retiree-only plans — exempt from many requirements of the Affordable Care Act — as a cost-saving measure. While retiree-only plans are not subject to all of the rules of the ACA, there are still requirements employers and advisers should be aware of, including what qualifies the plan for exemption.

“Some employers have decided they are going to split off their retirement coverage in order to avoid some of the ACA mandates,” says Kathryn Bakich, senior vice president and National Health Compliance Practice Leader at the Segal Company.

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