Group Health refers to employer-sponsored health insurance plans covering employees and their families. Murphy Insurance Agency helps businesses choose affordable and comprehensive group health plans for their workforce.
Employers have flexibility when defining health plan eligibility, but that discretion is limited by federal requirements under ERISA, the ACA, HIPAA, and Medicare rules. This overview outlines key eligibility do’s and don’ts to help employers stay compliant and avoid costly mistakes.
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.
