Articles

How Employers Should Handle MLR Rebates

Employers who sponsor a fully-insured group health plan may soon be receiving a Medical Loss Ratio (MLR) rebate from their insurers. Self-insured medical benefit plans are not subject to these requirements.

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Contractors’ Excess/Umbrella Rates in the Insurance Hard Market

The insurance market, like any other type of supply and demand industry, is cyclical. The cycles are commonly referred to as “soft” and “hard” markets.

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Medicare and Employer-provided Health Insurance: Not Always an Ideal Pairing

People who know me know that I love wine; I often get asked what is my favorite wine, to which I usually reply that it depends on what I am eating with it.

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Care, Custody & (Loss) Control

When you drive by a construction site, it is awe-inspiring to witness the transformation of materials and equipment being brought in to create something with a whole new shape and meaning to the environment in which it is built.

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Why Physician Groups Need Directors & Officers Insurance

You have a professional insurance provider that placed all the crucial insurance coverages a healthcare facility or physician group requires.

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Supreme Court Ruling – Title VII Nondiscrimination Rules

The recent Supreme Court decision in Bostock v. Clayton County (6/15/2020) may require employers to reconsider who is eligible for, and what coverage is available under, employer-sponsored benefits.

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2021 “Affordability” Percentage

In Revenue Procedure 2020-36, the IRS increased the affordability percentage from 9.78% to 9.83% for 2021. This percentage determines which applicable large employers may face penalties under §4980H(b) for failure to offer affordable coverage as well as which individuals may qualify for subsidized coverage through a public Exchange.

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