The Affordable Care Act directs health insurance issuers that offer non-grandfathered health insurance coverage in the individual and small group market to make certain health plans offered include the Essential Health Benefits package starting January 1, 2014. The proposed regulations indicate that this Essential Health Benefit requirement, along with certain cost-sharing limitations, shall apply to … Continued
With Tuesday’s election behind us, we now have a much clearer path in front of us as regards to the implementation of the Affordable Care Act (ACA). With a divided Congress, any efforts to legislatively change portions of the ACA will require support from both parties. While we anticipate that minor changes will be debated … Continued
Significant changes are on the horizon for states subscribing to the National Council on Compensation Insurance’s (NCCI) workers compensation experience mod rating system. The NCCI recently announced that it will be making changes to the split point between primary and excess losses over the next several years. Many states will adopt the new rating method … Continued
This Henderson Brothers Summary provides a timeline of the of key reform provisions that affect employers and individuals. This timeline starts with 2010 requirements and ends at 2018. Please feel free to contact your HBI representative if you would like more detail regarding any of these Affordable Care Act reform provisions. Key Health Reform Provisions … Continued
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Small business owners have it tough these days. Most are working on a shoestring budget and doing everything they can to keep their expenses as low as possible – especially in this brutal economy. Some small business owners have been told or have found that insuring their business vehicles under a personal policy is usually … Continued
Make no mistake; identity theft is not something to be complacent about. Lives have fallen into financial ruin and individuals’ liberties have been taken away as a result of this crime. Identity theft is one of the fastest growing crimes in America and continues to grow at a very rapid pace. A recent survey using … Continued
Did you know that teen drivers are four times more likely to be in a fatal car crash than an adult? This chilling statistic was published by the journal, Accident Analysis and Prevention. Researchers set out to find the real reason behind this statistic, and they were able to conclude that out of the 800+ … Continued
Welcome to Henderson Brothers’ brand new blog, HBInsights! We hope you will find the blog useful for not only your professional life, but for you personal life as well! Our goal of the blog is to provide you with timely and useful information right at the click of a button. If at any time you … Continued
