This letter to the Department of Finance provides additional recommendations on certain Employee Life and Health Trust (ELHT) rules that were proposed in their August 15, 2025, legislative package. It supplements our September 12, 2025, submission on the same matter. The letter also reiterates and explains our past recommendation for increasing the limits for Private Health Services Plans (PHSPs) and ELHTs as provided in a letter to the Department on March 31, 2022.

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