Resources

Upcoming ACA Reporting Deadlines

Affordable Care Act (ACA) recently announced that reporting under Section 6055 and Section 6056 for the 2020 calendar year is due in early 2021. Specifically,…

Individual Mandate – Vermont

Beginning in 2020, Vermont imposes a state individual mandate that requires individuals in Vermont to maintain acceptable health coverage. The Vermont law largely mirrors the…

Individual Mandate – Rhode Island

On July 5, 2019, Rhode Island enacted a state individual mandate as part of its 2020 budget legislation. This new law requires individuals in Rhode…

Individual Mandate – California

Beginning in 2020, California imposes a state individual mandate that requires individuals in California to maintain acceptable health coverage or pay a penalty. The California…

Individual Mandate – New Jersey

On May 30, 2018, New Jersey Gov. Phil Murphy signed the New Jersey Health Insurance Market Preservation Act into law as a measure to stabilize…

Individual Health Insurance Mandate -District of Columbia

The District of Columbia (D.C.) Individual Taxpayer Health Insurance Responsibility Requirement requires individuals residing in D.C. to maintain acceptable health coverage or pay a penalty.…

Health Care Reform – Massachusetts

The Massachusetts Health Care Reform Act (Act) was enacted in April 2006 to provide nearly universal health care coverage for Massachusetts residents. To carry out…

The Importance of Biometric Screenings & Wellness Programs in the Midst of a Pandemic

Biometric screenings have always been an important component to an overall wellness program and they are even more crucial in the midst of a pandemic.…

OSHA Under the Biden Administration

As the country transitions from Trump to Biden’s administration, employers want to know what OSHA will look and act like under the new administration. Because…

Workers’ Compensation Trends to Watch in 2021

Not only is workers’ compensation coverage required in most states, but it also plays a major role in connecting injured employees to the care they…

Most Common Additional Insured Endorsements for Construction Contracts

As one of the most expensive items that a contractor will encounter when working on a project, contractors must budget their insurance program accordingly. And…

EEOC Addresses Mandatory Vaccinations in Updated Guidance on COVID-19 and the ADA

Highlights ADA Rules Still Apply but Do Not Prevent Safety Measures Employers must follow ADA rules while observing emergency guidelines issued by federal, state and…

Final Rule Provides Greater Flexibility for Grandfathered Plans

On December 11, 2020, the Departments of Labor (DOL), Health and Human Services (HHS), and Treasury (Departments) announced a final rule that provides greater flexibility…

People of Horton: Chris Pfeiffer

Brother. Safety Expert. Newfoundland Dog Owner. Chris joined Horton in 2010 as a Safety Consulting Intern. Chris originally had two other majors before safety at…

Your Wine Collection Is An Investment – Protect It

The last decade has seen a significant global wine boom. In 2019, the United States led the world with more than $49.5 billion of wine…

How a Biden Administration Might Impact HR and the Workplace

Each presidential transition brings changes to the HR landscape. When President Donald Trump took office in 2016, he overturned or revised many of his predecessor’s…

Pharmacy Benefit Management (PBM) 101

Many employers typically use prescription drugs covered through their insurers. But new options for self-insurance let businesses hire pharmacy benefit managers (PBMs) independently from their…

How Do Companies Choose Health Insurance?

Why do employers select the health insurance carriers that they do? Most often, it is because of two reasons: access and discounts. The prevailing logic is…

People of Horton Adam Zielezinski

Dog Dad. Hockey Veteran. True Friend. Adam decided to double-major in Finance and Insurance while at Illinois State University, quickly realizing he enjoyed his insurance…

Five States Legalize Marijuana

Highlights New Recreational Laws – Arizona, Montana, New Jersey and South Dakota voted to legalize recreational marijuana. New Medical Laws – Mississippi and South Dakota voted…

Final Rule on Health Care Transparency

Important Dates January 1, 2022 – Detailed pricing information must be made public for plan years beginning on or after January 1, 2020. January 1, 2023 -…

People of Horton: Kristy Lambert

Animal Lover. Mother. Food Enthusiast. Kristy joined Horton in 2002 as Personal Lines Insurance Client Service Representative.

Hiring a New Claims Management Team? Make Sure They Do These Four Things

Over the next several years, commercial insurance brokers will face a growing claims advocate staffing gap. Since February 2020, the number of retired Boomers has…

Liabilities of Renting Your Home

You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an…