Massachusetts Employers Must File HIRD Form by November 30

October 30, 2018
As part of Massachusetts’ expanded Employer Medical Assistance Contribution (EMAC) program, employers with 6 or more employees in Massachusetts must submit a health insurance responsibility disclosure (HIRD) form annually, which collects information about employer-sponsored health insurance... Find out more »

The True Cost of an Insurance Policy Is Not Just the Premium

October 24, 2018
Protecting an asset from physical damage is usually at the forefront of what type of insurance to purchase, but have you ever asked yourself what you might be missing?  Is the successful repair or rebuilding of an asset really the biggest and only concern?  The answer to this question is... Find out more »

Alera Group Acquires Two New Firms

October 18, 2018
Alera Group, a leading national employee benefits, property and casualty, risk management and wealth management firm, has acquired two new firms: Distinctive Insurance and GLB Insurance Group of Nevada. Distinctive Insurance is an employee benefits consulting and insurance firm located in... Find out more »

Medical Loss Ratio Rebates

October 5, 2018
Medical Loss Ratio Rebates Under the Affordable Care Act The U.S. Department of Health and Human Services (“HHS”) has provided guidance on the Affordable Care Act’s (“ACA’s”) medical loss ratio (“MLR”) rule, which requires health insurers to spend a certain percentage of... Find out more »