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AON's come a long way since W. Clement Stone started Combined.The question is not whether they have the ability to enroll in a plan outside of Aon.
The question is can they enroll outside of Aon and still qualify for the HRA contribution.
Legally, they should not be restricted to just Aon. But until someone challenges the "handcuffs" they will have to follow the rules.
Whatever they are . . .