I'm not sure what you mean by "metallic plans." But the article is correct. And I suggest contacting one of the resources I linked in the column to find out more details, and how it might apply to your company. And hurry, the deadline is December 15th. I know there is no big effort on the part of the insurance industry to promote these policies! That's why I was "tipped" to the idea by insurance advisor Allen Wishner of FlexibleBenefit.com.