Since the advent of Medicare Part D in 2006, employers have had the opportunity to lead their retirees to private individual retiree health coverage, and make it more affordable via a subsidy.

Back then it was for Medicare supplemental and wrap-around plans. But the advent and growth of private and public health care exchanges in the wake of the 2010 enactment of the Affordable Care Act has begun expanding employers’ horizons to consider subsidizing pre-Medicare eligible retiree health benefits through the individual market.

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