About 401h.com.
An independent education hub focused on one niche topic: 401(h) retiree medical benefit accounts inside qualified retirement plans.
401(h) plans sit at the intersection of retirement plan design, tax planning, ERISA, and retiree healthcare. They're powerful when used appropriately, structurally restrictive by design, and almost always evaluated alongside an existing or planned defined benefit or cash balance plan.
Our goal is to make that complexity legible — for business owners, CPAs, financial advisors, TPAs, and actuaries — without crossing into individualized tax, legal, actuarial, investment, or ERISA advice.
Everything you read on 401h.com is educational. Implementation requires qualified plan, tax, actuarial, and ERISA professionals who can evaluate the specific facts and circumstances of an employer, plan, and participant group.