Under many large employer plans, these services have been covered for some time.

People aged 65 to 69 currently spend less, on average, on health care than those in employer plans.

Special rules apply to determine the tax years for which you are covered by an employer plan.

The process is very involved and takes several months as each employer plan may be very different.

To assure employees of comprehensiveness, many states have laws specifying the services employer plans must offer.

If you are not covered by an employer plan, your situation is clear.

Find out if you are covered by an employer plan.

Cos I mean you'd have your employer plan for the year anyway really.

Conversely, older people, those in poor health or those looking for a convenient way to buy life insurance could benefit from employer plans, they say.

Financial Engines, which said it had no formal position on the bill, advises 600 employer plans, up from 100 in January.