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Unlike licensed preparations, 403(b) contributions more than the new 415(c) limit don’t cause disqualification from sometimes the brand new 403(b) bundle otherwise package. The brand new limit ‘s the smaller out of $10,100 or the MEA, having a life limit from $40,100000. Still, a member of staff will get go back to the general limitations less than areas 403(b)(2) and you can 415(c) at any time.
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Therefore, should your self-insured plan therefore brings, can they let the personal to carry on the new $one hundred pre-income tax election and allow the brand new staff to sign up the newest companion and you can/or college students and you can pay the additional $two hundred to your an after tax base? Can be so it employee remain the brand new $200 a month inside pre-tax contributions and you may, where the self-covered plan therefore brings, decide the lower exposure choice? Where the employee selected the lower choice while in the yearly enrollment, if your thinking-insured package very brings, can also be the person keep the fresh $a hundred pre-taxation election and you may choose the better coverage solution and you will pay the a lot more $a hundred on the a later income tax base? In my opinion the response to that is sure – because the cafeteria bundle election try unaffected so we are talking in the a couple exposure options under the same wellness plan. That is the election indeed being generated within the cafeteria package – for every the new cafeteria bundle file – is actually dollars otherwise health coverage (not the specific fitness option).