Portable benefits are moving from policy discussion to workforce expectation. Employees increasingly want coverage they can keep when switching jobs, pushing employers to rethink how benefits are structured and delivered.

Robin Paoli, Executive Director of the HRA Council, a non-partisan advocacy group focused on health reimbursement arrangements and employer-sponsored coverage, says portability reflects a shift toward benefits that function more like consumer products. "One of the trends is self-owned, portable benefits that travel with us in the same way our cell phone numbers do. More people want that for their benefits," she says.

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