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2024 HSA & High Deductible Plan (HDHP) Information
…is a summary of laws and regulations relating to employee benefit plan compliance. This information should not be construed as legal advice. In all cases, employers should consult with their…
Compliance FYI: 2025 HSA and HDHP Information
…ACA limits. The information provided is a summary of laws and regulations relating to employee benefit plan compliance. This information should not be construed as legal advice. In all cases,…
Compliance FYI: 2021 HSA and HDHP Information
On May 20, 2020 the IRS issued the limits for 2021 on Health Savings Accounts (HSAs) and the associated high deductible health plans (HDHPs) in Revenue Procedure 2020-32. Health Savings…
M3’s Milwaukee Office Has Moved
We’re thrilled to share that M3 Insurance is relocating to a brand-new office space, situated at 1401 Discovery Parkway, Suite 200 in Milwaukee effective April 15, 2024. This move marks…
2023 Commercial Property Insurance Market Report: Mid-Year Update
…loss to you and many other companies they insure within a geographical area. So, they turn to the world’s reinsurers, those companies insuring the insurance companies we know and love….
Exploring the Hard Market in Personal Lines Insurance
…hard market is affecting businesses? check out M3’s 2023 Commercial Property Insurance Market Report: Mid-Year Update. Reasons for Market Hardening The rise in premium rates can be attributed to the…
IRS Releases 2024 Contribution Limits for Tax-Advantaged Accounts
…$220,000 $215,000 Highly Compensated Employee $155,000 $150,000 Governmental Plan Compensation Limit $505,000 $490,000 ESOP §409(o) Limits $1,380,000 $275,000 $1,330,000 $265,000 If you have questions or concerns about how these new…
Employee Benefit Captives: Client Impact Examples
A health captive enables a group of companies to join together and form their own insurance company. That means members share risk, and in doing so they create greater purchasing…
Health Care Reform and the Cadillac Tax Overview
…on this provision to date. Key Takeaway The Cadillac Tax will not be effective until 2018. Like many components of the Affordable Care Act, it does have the potential for…
ACA UPDATE: Cadillac Tax Delayed Until 2020
…Key Takeaway It would be prudent to understand what the Cadillac Tax is, stay mindful of your health insurance costs and be aware of federal guidance/legislation that may alter the…
CYBER UPDATE:Â 2017 Rise in Data Breach Regulatory Action
…Office of Civil Rights (OCR) Response to HIPAA Breaches The OCR’s regulatory authority, as it relates to data breaches, comes from the HIPAA Breach Notification Rule and HITECH Act. Similar…
ACA UPDATE: Cadillac Tax Delayed Until 2022
Implementation of Cadillac Tax Delayed Two Years On January 22, 2018, Congress passed a new continuing resolution to fund the operations of the federal government. A part of the resolution…