ThinkHR to become Mineral

ThinkHR, our trusted partner for delivering HR and compliance solutions to our group clients for over 5 years, is relaunching under a new name: Mineral.  Here are a few things you need to know: Everything about your ThinkHR platform and services will remain exactly the same – same name, features, services and login.  You’ll continue… Read More


PCORI Fee Due July 31, 2021

Important PCORI Deadline Information: Fees Due July 31, 2021 What is the PCORI Fee?  The Affordable Care Act (ACA) created the Patient-Centered Outcomes Research Institute (PCORI) to study clinical effectiveness and health outcomes. To finance the nonprofit institute’s work, a small annual fee is charged on health plans. Who pays PCORI Fees? Employers that self-insure… Read More


Members Health Plan files for Chapter 11 Bankruptcy

The Affiliated Physicians and Employers Master Trust (APEMT) dba Members Health Plan NJ (MHPNJ) filed Chapter 11 Bankruptcy on 5/24/2021 to provide the protections necessary to move forward with a continued rehabilitation or a wind down plan. The APEMT is working hard to preserve their presence in NJ and continues to seek outside funding and… Read More


Health Coverage Provisions Included in the COVID-19 Stimulus Law

On March 11, 2021, President Biden signed the “American Rescue Plan Act of 2021” into law. The latest COVID-19 relief law will provide direct assistance to many Americans, namely through $1400 in income tax rebates for eligible individuals and an increased child tax credit. The legislation also contains many provisions related to health insurance coverage… Read More


Blue Cross Blue Shield Antitrust Settlement Update

The Blue Cross Blue Shield insurance group has been involved in a class-action lawsuit regarding its anticompetitive policies since 2012. Brought by a class of over 1M plaintiffs, the suit claims the company violated antitrust laws and benefitted by dividing insurance markets to avoid competition among its member companies, and thus boosting prices. A settlement… Read More


Changes to Employer Reporting Requirements Due March 2nd and 31st

New Jersey regulators recently announced a change to their employer reporting policies that will affect businesses in all states and of any size that offer coverage to NJ residents. This policy stems back to 2018 when the state enacted an individual mandate requiring NJ residents to maintain health insurance coverage. This year, to help enforce the mandate,… Read More


Key Takeaways of the new Stimulus Bill

On December 27, 2020, President Trump signed the “Consolidated Appropriations Act of 2020” (CAA) into law. Over the next few weeks, we will share more information about the 5,593-page law, but until then, here are some key takeaways: FSA Relief: Employers can allow employees to carry over unused funds or extend their spending grace period… Read More


Can Employers Make COVID-19 Vaccines a Requirement for their Workforce?

Pfizer and Moderna recently announced that their experimental coronavirus vaccines appear to be 95% effective, prompting employers to consider if they can require employees to vaccinate once doses are accessible to the general public. The short answer is yes, companies probably will be able to ask their workforce to vaccinate as a condition of employment,… Read More


CMS Announces the 2021 Medicare Part B Standard Premium, Deductible, and IRMAAs for Parts B and D

The Centers for Medicare and Medicaid (CMS) have announced the Medicare Part B standard premium, Income Related Monthly Adjustment Amounts (IRMAAs) for Parts B and D of Medicare, and the Part B deductible for 2021: The standard Part B Premium is increasing by $3.90/month to $148.50 in 2021 (up from $144.60 in 2020) The IRMAAs for Parts… Read More

Independence BC of PA's Medical Loss Ratio (MLR) in 2020 was below the required minimums for fully‑insured individual + group health plans. As a result, affected customers will receive a rebate for a portion of paid premiums (to be mailed Sept 27th):

New training courses for employees/managers being added as of Sept 23rd to our online vendor platform! See here:

Horizon BSBS of NJ members now have access to Rx Savings Solutions, a free online tool that searches for savings and works with your dr to lower your out-of-pocket costs. People who enrolled have saved an average of $481 out-of-pocket annually:

UHC/Oxford Sweat Equity Program announcement:

MHPNJ is ceasing operations 12/31/21 due to financial deficiency. Groups are advised to term + seek new coverage ASAP as Effective 8/1, a 26% increase will apply. Groups enrolled at any time since 1/1/20 will receive notice regarding assessment $ due 9/15:

Reminder for employer groups on the COBRA election extensions due to COVID-19: