Health Insurance Renewal Season

Health insurance renewal season is upon us once again. Every year in recent memory there has been an increase of premium which can be scary and frustrating. The Merriam Agency can ease the frustration of determining which health plan will bring the best overall value to your company and your...

Controlling Health Insurance Costs

Despite the declarations of politicians, statistics show the cost of health insurance continuing to rise dramatically. Newton’s third law of physics, “for every action, there is an equal and opposite reaction,” applies in economics as well as physics. As our government continues to make “free services” available along with reducing payments, the costs are showing up in other areas. Quite simply, insurers are passing along the cost to the person who writes the checks. “Value-Based Purchasing” (kind-of a reverse version of pay-for-performance) and “Reduced Payments for Hospital Readmissions” are the two most

Same-Sex Marriages, Domestic Partnerships, and COBRA

June marked the anniversaries of two noteworthy United States Supreme Court decisions concerning same-sex American couples. On June 26, 2013, the Supreme Court held in United States v. Windsor that Section 3 of the Defense of Marriage Act—which provided that only opposite-sex individuals could be recognized as married “spouses” for...