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DOL Releases Final Rule Expanding Association Health Plans

The U.S. Department of Labor (DOL) has issued a final rule expanding the opportunity of unrelated employers of all sizes (but particularly small employers) to offer employment-based health insurance through Association Health Plans (AHPs).  Significantly, the final rule applies “large group” coverage rules under the Affordable Care Act (ACA) to qualifying AHPs.  The final rule …

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Alera Group Expands Southwestern Presence by Adding Nevada Firm

DEERFIELD, IL and LAS VEGAS, NV — Alera Group, a leading national employee benefits, property and casualty, risk management and wealth management firm, has acquired Kaercher Insurance, which includes Kaercher Campbell, Kaercher Insurance Agency and Sundance Insurance. Terms of the transactions were not announced. Kaercher Insurance, based in Las Vegas, Nevada, offers industry-leading employee benefit services, property …

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Legal Alert: IRS Issues Affordability Percentage Adjustment for 2019

In Rev. Proc. 2018-34, the IRS released the inflation adjusted amounts for 2019 relevant to determining whether employer-sponsored coverage is “affordable” for purposes of the Affordable Care Act’s (“ACA’s”) employer shared responsibility provisions and premium tax credit program.  As shown in the table below, for plan years beginning in 2019, the affordability percentage is 9.86% …

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Joey Mertilch Honored at Leadership Washington Graduation

Joey Mertilch, Business Development Executive at Albers & Company, was recently honored at the fourth annual Leadership Washington graduation.  The intensive, nine-month leadership development program is aimed at cultivating a new generation of state leaders with a deeper understanding of what it takes to help Washington’s economy thrive.  The class studied public policy, international trade, …

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May Review and Regulatory Recap

A Note from Danielle Capilla, Alera Group's Director of Compliance – Employee Benefits The IRS modified its annual limitations on deductions for contributions to health savings accounts (HSAs) for taxpayers with family coverage under a high deductible health plan (HDHP) for the 2018 calendar year. This reverts the limit back to its original level prior …

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