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Below, please find updates for Monday, April 6th
If you have any questions please reach out to your Broker, their contact information can be found here (scroll to bottom of page).

  • We are also posting additional information on our LinkedIn page here

  • And have created an archive of news and articles on our COVID-19 Update page here

Today's Updates
The Look-back Measurement
Method and COVID-19
The Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer affordable, minimum value health coverage to their full-time employees or possibly pay a penalty.

This employer mandate is also known as the “employer shared responsibility” or “pay or play” rules.

FFCRA Small Employer
Exemption: DOL Guidance
Effective April 1, 2020, the Families First Coronavirus Response Act (FFCRA),
requires all private employers that have fewer than 500 employees to provide their employees with paid sick leave and expanded family and medical leave (paid leave) for specified reasons related to the coronavirus (COVID-19) pandemic.

However, the FFCRA includes a provision under which certain small employers may qualify for an exemption from two of the FFCRA’s paid leave requirements.

UnitedHealthcare and Other
Insurers Waive Coronavirus related Costs
UnitedHealthcare—the nation’s largest insurance company—and other large insurers like Cigna, Aetna and Humana are waiving cost sharing and copays for coronavirus disease 2019 (COVID-19) treatments.

While each company differs in how long the waivers will be in place and what other costs will be waived, these announcements are part of a cross-country effort to help individuals access affordable care during the COVID-19 pandemic.

The IRS has just confirmed 2019 HSA Contributions may be accepted up to the filing deadline of July 15, 2020. Read Q&A by clicking the link below.
The Health Consultants Group and The Health Solutions Insurance Agency are insurance brokerage firms specializing in employee benefits with a focus on health care reform and employee wellness programs. Our unique strategies tie together benefits, wellness and health reform initiatives to ensure your company is compliant with the ever changing health care landscape . Visit our website here.  
Employees Benefits

  • Fully Insured Health Insurance
  • Self-Funded Health Insurance
  • Group & Individual Life
  • Short & Long Term Disability
  • Group & Individual Long Term Care
  • Dental
  • Vision
  • Prescription Drug
  • AD&D
  • Travel
  • Medicare
  • Critical Illness
  • Short Term Medical
  • Professional Employer Organizations 
  • Association Programs

Commercial Insurance Coverage

  • Liability
  • Property
  • Workers' Comp
  • Commercial Automobile & Trucks
  • Crime & Employee Theft
  • Equipment Breakdown
  • Business Income Loss
  • Umbrella & Excess Liability
Special Coverage Programs

  • Municipality
  • Nursing Homes
  • Trash Haulers
  • Moving & Storage
  • School Bus Contractors
  • Fuel Oil Dealers
  • Private Schools
  • Golf Courses
  • Marinas

Management & Executive Liability Coverage

  • Directors & Officers
  • Professional Liability
  • Errors & Omissions
  • Employment Practices
  • Employee Benefits
  • Bonds - Performance, Permit & Licensed

Risk Management Services

  • Coverage & Exposure Account Reviews
  • Bid Preparation & Coverage Placement
  • Claim Management & Reporting Services
  • Loss Control Services
  • Safety Programs
  • Property & Building Appraisals
  • Technical Assistance
  • Various Consulting Services
Contact us at (860) 351-0100 
to find out more! 
Do you have employees without insurance? Maybe a spouse, child or parent needs additional insurance? Get the coverage you need. Contact us at (860) 351-0100 and ask for our small business department.