Plan design levers: deductibles, OOP max, networks—mapping client exposures

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HSAs/FSAs with HDHPs—use cases and year-round funding strategies

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Continuation paths: COBRA/Cal-COBRA basics and sequencing with marketplace plans

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Medicare enrollment timing (Parts A/B), penalties, and HSA coordination on transition

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Medigap vs. MA, Part D formularies, IRMAA awareness, and annual review workflow

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