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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


During open enrollment, employees usually familiarize themselves with their coverage. But just a few months later, much is forgotten.

An effective communications plan can also help employees avoid these five common health insurance mistakes:

#1 Underutilizing Health Savings Accounts (HSAs)

Employees are easily confused by HSAs. They may not know which expenses are eligible for reimbursement, or they don’t realize they can contribute funds... Read More


The war for talent is on! In many industries employers now find themselves competing for top talent in the candidate pool. Where you may have had tens or even hundreds of applicants for an open position, you may now find yourself competing with other companies to land that one ideal employee.

In a world where casual Fridays, pet friendly workplaces and an endless supply of employer perks can be found just about everywhere, how will your company... Read More


The U.S. House of Representatives narrowly passed the American Health Care Act (“AHCA”) on Thursday, May 4 by a 217-213 vote. The bill, which has been amended several times since initially introduced by House Republicans in March, is intended to repeal and replace key portions of the Affordable Care Act (“ACA”).

The final House bill combines the original AHCA proposal with the subsequent amendments. Among other things, the final House bill... Read More


Will there be a vote on health care this week?

President Trump is again calling on Congress to tackle healthcare reform as early as this week.

As previously reported, Congress was set to vote on a replacement bill for the Patient Protection and Affordable Care Act (ACA) replacement bill last month. While the House Ways and Means Committee voted to approve the American Health Care Act (AHCA), the bill was pulled from consideration on the House... Read More


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