PROBLEM“… A product some promoters market alleges use of the product allows employers to reimburse individual health policy premiums without violating the Departments’ market reforms. … We have been made aware of a number of these schemes, and in looking at the information we have been presented we disagree with the promoters’ claims that their product does not impose an annual limit on essential health benefits. Consequently, their product fails to meet the market reforms.” (IRS)