Cadillac Health Plans: Luxury or Lemons?

Many of us have probably heard the term "Cadillac heath insurance plan." which is basically a plan with luxurious benefit levels and/or high premiums.  Many public accounting firms offer such plans to their employees and have done so for many years.  However, these plans are probably a little less luxurious than they used to be 20 years ago because of adjustments over the last decade due to double-digit percent increases that have forced us all to alter benefits to keep costs manageable.  

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