The Home Furnishings Association and outside vendors have worked to provide an independent source of Healthcare benefits for Home Furnishing Association (HFA) members. Benefits and insurance decisions, and sourcing are the responsibility of the business owners. A business owner’s decision as the employer whether or not to participate in the benefits and services provided is solely the his/her decision. Neither the Home Furnishings Association, its subsidiaries, nor any outside vendors are fiduciaries with respect to such decision.