Many of us have employer benefits that include some healthcare coverage. Since the healthcare bill, companies have looked at their coverage and have been making changes. Two words you will be seeing more and more are Defined Contribution and Defined Benefit.
A "defined contribution" is a payment toward your coverage. We will give you $1000 a month to go buy insurance. A "defined benefit," guarantees specific coverage regardless of cost. We will give you this kind of insurance, it has co-pays, deductibles, and covers these illnesses, etc.