So then, let’s use a “post deductible HRA” (Health Reimbursement Arrangement) to back-fill the gap between $1,200 and $5,000. (Or, $2,400 and $10,000.)
The lower cost of the underlying insurance plan affords employees the opportunity to contribute to HSAs; and employers, the HRA exposure.
Sounds complicated, but that’s where a good agent can help.
I know a couple!