Benefits Blog

Health Insurance Deadline

Health Insurance Marketplace Deadline looms!

Health Insurance Marketplace Deadline looms! Coverage will begin Feb. 1 if you purchase a plan between Jan. 1-15. Coverage will begin March 1 if you purchase a plan between Jan. 16-31. If you are not enrolled in a health plan by Jan. 31, and remain uninsured for 2016, a penalty fee of will be required when you file…

Cadillac Tax Delayed

Cadillac Tax Delayed

The $1.1 trillion budget deal that Congress approved Friday would delay the notoriously unpopular Cadillac tax for two years and put a repeal in reach of the congressional leaders and business groups who oppose it. The House voted 316-113 Friday to approve the omnibus spending deal that congressional leaders unveiled earlier in the week. The…

Subsidies in the Healthcare Marketplace and Medicare Eligibility

Subsidies in the Healthcare Marketplace and Medicare Eligibility

The Affordable Care Act (ACA) created the Healthcare Marketplace, whereby, some 9 million Americans have been successfully enrolled. At Muneris Benefits, we’ve helped hundreds of folks in Virginia and West Virginia secure valuable coverage. We want to remind our clients that once you become eligible for Medicare Part A (either by age or due to a disability); you…

High Deductible Health Plan

The final piece to controlling costs in a High Deductible Health Plan World

More and more employers are offering High Deductible Health Plans (HDHP) and the trend for total replacement continues to gain momentum as employers look to control costs and stay under the Cadillac tax that becomes effective in 2018. As insurance brokers, we have recommended HDHP plans or over 5 years and many employer clients have…

More Employer Compliance

More Employer Compliance

Just when you thought the employer requirements pertaining to the ACA were subsiding, 2016 ushers in a whole new wave of employer responsibilities. More commonly known as the “ACA Pay or Play” provisions, the new rules require employers to validate whether they provide health insurance, who is enrolled, and if the plan is considered affordable. Lots of rules…

New Marketplace Special Enrollment Period for Tax Season

New Marketplace Special Enrollment Period for Tax Season

Did you have to pay a fee for not having health insurance when you filed your 2014 taxes? You may still be able to get 2015 coverage if you: Aren’t currently enrolled in coverage through the Health Insurance Marketplace for 2015, Paid the fee with your 2014 federal income tax return, for not having health…

HIPPA Compliant Technology

Muneris adopts new HIPAA Compliant Technology

Muneris Benefits chooses Compliance Helper to implement new HIPAA compliant technology. Compliance Helper helps larger Covered Entities and Business Associates get compliant, stay compliant and prove HIPAA HITECH compliance. Read More at compliancehelper.com

Federal Courts Conflicting Ruling on Subsidies

Federal Courts Conflicting Ruling on Subsidies in Federal Exchanges

Yesterday’s court rulings in Virginia, which unanimously supported the intent of the law to allow Federal Subsidies for the state of Virginia, conflicted with the D.C. ruling which stated that only the States can decide on premium tax subsidies, makes for an interesting fall election. Are Federal Subsidies intended to help folks; a State decision…

Mental plans for Obamacare

Metal Plans for Obamacare

The New Healthcare Marketplace continues to move in record speed, as the government races to meet the October 1st deadline. It remains to be seen if Obamacare will become a reality, if the individual mandate gets delayed another year, or if the Republicans really believe they can shut down the government by not funding the…

Final Rules on Wellness Programs from the DOL

Final Rules on Wellness Programs from the DOL

In an effort to keep you abreast of health care reform, the Department of Labor just recently issued guidelines for employers who sponsor Wellness Programs. The DOL has now defined and expanded what an employer can do with respect to a wellness program. For employers with more than 50 employees who continue to provide health care…

Muneris Insight - Health Insurance, Medicare, Employer Benefits

Treasury Delays ACA Employer Reporting & Penalities

The Treasury Department announced late yesterday afternoon that they will delay the “Pay or Play” requirements for employers with 50 or more full-time equivalent employees. This groundbreaking change in D.C. in an early indicator that Obamacare may ,in fact, be crumbling. Employers with more than 50 employees were scheduled to be penalized a $2,000 fine…

Muneris Benefits Chooses ZyWave

Muneris Benefits Chooses ZyWave

As health care reform was ramping up in 2012, Burman Clark, owner and producer at Muneris Benefits, was looking to not only survive the rapidly changing market, but also grow his business. When we talked less than a year later, he felt Zywave had positioned him to survive today and thrive long-term, by competing effectively…