Group Health Insurance is a type of employer-sponsored medical coverage that provides employees access to comprehensive healthcare benefits at group rates. It plays a vital role in supporting employee well-being while helping employers attract and retain top talent in today’s competitive job market. Offering a well-structured group health plan can increase employee satisfaction, reduce turnover, and demonstrate your company’s commitment to workforce health and stability.
At Murphy Insurance, we partner with employers to design affordable and effective group health insurance solutions tailored to each company’s size, budget, and needs. We compare rates and coverage options from major carriers, including Blue Cross Blue Shield, Harvard Pilgrim, Tufts Health Plan, Aflac, and Mass General Brigham Health Plan, to find the most competitive rates and coverage options. Whether your business already has a plan or you’re exploring new options, we’ll guide you through evaluating your current benefits and simplifying the renewal process.
Our benefits specialists work directly with employers to minimize administrative burden while providing employees with coverage options that address real medical needs. From managing rising premiums to exploring high-deductible or alternative plan structures, Murphy Insurance provides ongoing support and education to help your business stay ahead.
Plan sponsors must provide the annual disclosure notice to Medicare-eligible individuals before Oct. 15, 2025—the start date of the annual enrollment period for Medicare Part D. This notice is important because Medicare beneficiaries who are not covered by creditable prescription drug coverage and do not enroll in Medicare Part D when first eligible will likely pay higher premiums if they enroll at a later date.
On June 27, 2025, the U.S. Supreme Court upheld a key component of the Affordable Care Act’s (ACA) preventive care mandate. Due to the Court’s ruling, the ACA’s preventive care mandate remains in full effect and health plans and issuers are required to continue covering the entire range of recommended preventive care services without cost sharing.
In today’s competitive job market, offering strong employee benefits is no longer optional—it’s essential. For Milford, MA, businesses, Murphy Insurance provides customized, affordable benefit solutions that help you attract top talent, reduce turnover, and foster long-term growth.