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...

New Benefit Services Available

The Merriam Agency now offers Third Party Administrator (TPA) services including Flexible Spending Accounts, Health Reimbursement Arrangements, and Health Savings Accounts. These are IRS regulated plans that allow an employee, or employer, to set aside a certain amount of pre-tax money to pay for insurance premiums, out of pocket medical...

Brokers are Best ACA Exchange Resource

in their quest for answers, these people also supplemented their research with other outlets, including brokers and advisers who scored high in customer satisfaction. New data from The Urban Institute’s Health Policy Center, released Monday, found that half of adults who obtained information on marketplaces only used a website. While information on those sites was considered helpful by two-thirds of users, the sites were found to not be as helpful as other information sources.

Exchanges Mean Less Choice & Higher Prices

It is becoming clear that Health Care reform is not what the American people were promised. A new study released on March 3, 2014, written by Senior Fellow David Hogberg, Ph.D. of the National Center for Public Policy Research, states that exchanges have reduced the choices and increased the price of insurance policies when compared to what existed in the 2013 market. Healthcare reform supporters, including

Attract and Retain Staff without Breaking the Bank

A strong employee benefits package is a powerful tool for attracting and retaining the best workers. In a 2011 Harvard Business review survey of human resource leaders, 60 percent said an attractive benefits package is “very important” in recruiting and retaining quality employees, as opposed to 38 percent who said a high base salary is very important. Benefits play an integral role in employee satisfaction. A recent survey by Met Life found that roughly 49 percent