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Suppose, though, that the business encourages the employee to get into the Exchange, collect the federal subsidies, and insure the entire family---see examples above. In addition, the employer can contribute as an option, say, $100, more or less, per month toward the employee's health coverage. This is called defined contribution. The reception here has been enthusiastic. And why not? Everybody benefits. What could be the waiting period before your client acts upon the circumstance? Time to act is vital nobody will love to spend any of his level of prison. As