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The Senate passed its tax bill, which included a repeal of the ACA’s individual mandate. Individuals would no longer be required to pay an annual tax penalty equal to 2.5 percent of their household income or $695, whichever is greater. The measure still has to be reconciled with an earlier House-passed version before being sent to President Trump.

If an employee asks about the penalty, we recommend you decline to answer yes or no until... Read More


As of January 1, 2018 the ACA age band structure will be adjusted to expand the number of single age bands for dependent children in the 0-20 age segment. Additionally, the definition of the 3:1 ratio rule has been adjusted.

This applies to small groups renewing on or after January 1, 2018 with fewer than 100 employees, and larger groups who have chosen to remain on small group contracts. It also applies to individual medical insurance... Read More


On October 12, 2017, President Trump issued an executive order on healthcare. The operative provisions of the order relate to association health plans (AHPs), short-term limited duration insurance (STLDI) and health reimbursement arrangements (HRAs). While the order does not have any immediate impact on existing law or regulations, it directs the federal regulatory agencies (the Departments of Treasury, Labor and Health and Human Services) to... Read More


Today we are excited to unveil our updated brand identity, including a new logo, vibrant colors and messaging. You will see our new look on our social media, website, print and all communications. While we are still Benefits Done Right, our updated brand is simply BDR.

Why the change? BDR is shaping the future of employee benefits and we have taken great measures to ensure our brand reflects that. We are now part of one of the fastest growing... Read More


As of January 1, 2018 the ACA age band structure will be adjusted to expand the number of single age bands for dependent children in the 0-20 age segment. Additionally, the definition of the 3:1 ratio rule has been adjusted.

This applies to small groups renewing on or after January 1, 2018 with fewer than 100 employees, and larger groups who have chosen to remain on small group contracts. It also applies to individual medical insurance... Read More


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