The Problem with Healthcare

Brian H. Merriam, CPCU, ARM, AAI, President
Brian H. Merriam, CPCU, ARM, AAI, President

Latest posts by Brian H. Merriam, CPCU, ARM, AAI, President (see all)

I recently read an editorial entitled, “Business Should Support Single Payer Health Care,” penned by a member of my native New York State Assembly. In his comments he stated, “Cost is the issue that compels me to support the single payer solution.” This Assemblyman went on to write such inaccurate,...

Employer Mandate Delayed Again

The Obama administration delayed the implementation of the so-called employer mandate by a year, initially pushing the requirements off until 2015, past the midterm elections. However, in what is seemingly a concession to business, Treasury Department officials announced on Monday, February 10th that the administration would not enforce the rules across the board next year.

Wellness Programs

Wellness programs are being implemented in large and small companies across the country, and the results are positively impacting the bottom line. “Research is showing that it’s more cost-effective to invest in preventive health practices, such as screenings, immunizations, health risk appraisals, behavioral coaching, and health awareness/education, rather than spending resources exclusively on the small minority of employees/dependents

Drop Dead Deadline

It is common for the Human Resources person at a workplace to pass out new forms every year during open enrollment, requiring every employee to indicate their personal information and that of their spouse and children, as well as the health plan they are choosing, the primary care physician, etc. It seems that there is always a question that cannot be answered immediately so these forms are set aside to complete later. Sometimes, later is after the deadline

Health Care Exchange Explained

An Exchange is a New York State marketplace where small business employers, sole proprietors and individuals may shop for health insurance plans. The Exchange is an addition to your current health insurance options. There are two parts to the Exchange: 1. the Small Business Health Option Program (SHOP) 2. the sole proprietors and individuals program (Individual Exchange) The Exchange is a means of shopping

Large Employer Update

The Treasury Department has confirmed that the 2014 mandate for employers with 50 or more full-time workers has been delayed until 2015. This means that employers will not be subject to Federal penalties for not providing qualified health insurance in 2014. The Affordable Care Act requires that all employers with 50 or more full-time workers provide health insurance

Helping with Open Enrollment

It’s Open Enrollment time again for many companies. Those covered by Small Group plans, are fearful of what this year’s rate changes will bring. Premiums have risen sharply for the past several years. To manage the expense to the organization, increased co-pays and high deductible plans have typically been passed on to your employees. Federal Regulations Bring Change and Clarity
Due to The Patient Protection and Affordable Care Act (PPACA, commonly known as “Obama Care”), employers will see changes not only in price and coverage, but in how these changes are portrayed.