The Senate HELP Committee advanced eleven bipartisan bills on 22 July. Most are worth knowing about. Two or three would actually move small-group economics.
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Twenty full-time employees in the five boroughs and the obligation applies. The trap is the rolling average, and the fact that it never switches off again.
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From 2027 renewals, groups under fifty FTEs lose national PPO and EPO access. For a Massachusetts company with remote staff, that is a network problem with…
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Three separate forces converged on employers this year. Here is what each obligation actually requires, and which ones carry penalties worth taking seriously.
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Founders usually ask what benefits cost. The more useful question is which thresholds are coming, and what has to be in place before you cross them.
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Self-funding used to need scale for two reasons: absorbing volatility, and affording actuarial analysis. Both of those have moved.
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Paid leave is owed where the employee works, not where the company sits. The expensive mistakes are not compliance failures — they are paying for the…
ReadNo fee, and no obligation to move the business. Most employers who contact us are simply trying to work out whether the number in front of them is a fair one.
Waugh Agency has advised employers on health and welfare benefits since 1985. Our full site — including Medicare, individual and travel coverage — is at waughagency.com.
