From time to time some insurance topics are more topical than others. If you want more information on what is ‘hot’ right now click on the links below for more details or contact us at 305.238.1000. Our Live, Local, Professional People are always happy to help answer a question or in any other manner you might need.

Health care and insuring one’s health can be complex and often costly. So much so that in 2010 the Federal government voted to reform America’s health care system including a mandate beginning in 2014 that every American carry coverage.
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Employer Mandate Final Rules »
2014 Compliance Checklist »
Obtain quotes from hundreds of leading insurers. In many cases you can even immediately apply for coverage once you’ve found the plan and insurer you desire.
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Few Florida agencies write more business each year than Morris & Reynolds with our state’s ‘insurer of last resort’, Citizens Property Casualty Insurance Corporation (Citizens).
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New Law To Raise Flood Insurance Rates Dramatically »
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Section 6055 Reporting Workbook Instructional Video »
This video is a tutorial for the Section 6055 Reporting Workbook. This Workbook is intended to help health insurance issuers, sponsors of self-insured health plans and other entities that provide minimum essential coverage to record information needed for reporting under Internal Revenue Code Section 6055 on Forms 1094-B and 1095-B.
Section 6056 Reporting Workbook Instructional Video – Part I »
This video is Part I of a tutorial for the Section 6056 Reporting Workbook. This Workbook is intended to help applicable large employers subject to the ACA’s employer shared responsibility rules to record information needed for reporting under Code Section 6056 on Forms 1094-C and 1095-C.
Section 6056 Reporting Workbook Instructional Video – Part II »
This video is Part II of a tutorial for the Section 6056 Reporting Workbook. This Workbook is intended to help applicable large employers subject to the ACA’s employer shared responsibility rules to record information needed for reporting under Code Section 6056 on Forms 1094-C and 1095-C.
Consumerism: Stretching Your Health Care Dollar »
This employee-facing video explains what consumerism is and how it can make a difference in health care. Explaining how CDHPs, HSAs, HRAs and FSAs fit in, it touches on a variety of aspects of consumerism. In addition, this video discusses taking responsibility for your health care by asking questions, calling around and developing a healthy lifestyle.

Preparing Your Event for Coronavirus »
The World Health Organization (WHO) has designated the recent coronavirus outbreak (COVID-19) a global public health emergency. According to the Centers for Disease Control and Prevention (CDC), coronaviruses are common in animal species. Although most don’t affect humans, the most recent strain, COVID-19, does and can easily spread from person to person.
Coronavirus and the Workplace – Compliance Issues for Employers »
As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace.
Coronaviruses and the Workplace »
Coronaviruses are fairly common and don’t typically affect humans. When they do, their effects are usually mild, as in the case of the common cold.
Required Workplace Posters Florida »
This document provides direct links to the workplace posters employers are required to display under state law. These posters, including official translated versions, are created and updated by state agencies. Employers must also comply with all applicable federal posting requirements.
Employee Benefit Plan Limits for 2017 »
131229-Employee-Benefit-Plan-Limits-for-2017 (1) 1Many employee benefits are subject to annual dollar limits that are periodically updated for inflation by the Internal Revenue Service (IRS).
Significant Changes Proposed to Form 5500 »
Significant-Changes-Proposed-to-Form-5500_Page_1On July 21, 2016, a proposed rule was published by federal regulators that seeks to modernize and improve the Form 5500 annual return/reprot that is filed by employee benefit plans.
IRS Issues Opt-out Payment Proposed Rules »
142226-IRS-Issues-Opt-out-Payment-Proposed-Rules-8-8-16_Page_1On July 8, 2016, the Internal Revenue Service (IRS) issued proposed regulations on the Affordable Care Act’s (ACA) premium tax credit and individual mandate. The regulations also impact employers through the employer shared responsibility rules.
PCORI Fees Due by August 1st, 2016 »
06-07-16-Legal-Alert-PCORI-FEES-DUE-BY-AUGUST-1-2016-3_Page_1Employers that sponsor self-insured group health plans, including health reimbursement arrangements (HRAs) should keep in mind that the upcoming August 1, 2016 deadline for paying fees that fund the Patient-Centered Outcomes Research Institute (PCORI).
Reporting and Paying the PCORI Fees »
Reporting-and-Paying-the-PCORI-Fees-5-25-16_Page_1The Affordable Care Act (ACA) requires health insurance issuers and sponsors of self-insured health plans to pay Patient-Centered Outcomes Research Institute fees (PCORI fees). The fees are reported and paid annually using IRS Form 720 (Quarterly Federal Excise Tax Return). For plan years ending in 2015, PCORI fees will be due by July 31, 2016.
WHO Classifies Zika Outbreak as Global Public Health Threat »
Zika-News-BriefExperts have theorized that the Zika virus can be passed from a pregnant woman to her child, and it can cause the development of micro encephaly. However the current scientific research on microencephaly has not been exhaustive, and other causes of the reported cases are still being explored.
Class Action Lawsuit alleges Dave & Busters reduced hours to avoid ACA »
Class Action Lawsuit alleges Dave & Busters reduced hours to avoid ACAIn May 2015, a class action was filed by employees of Dave & Buster’s asserting that the employer interfered with their rights under the Employee Retirement Income Security Act of 1974 (“ERISA”) by reducing their work hours to below 30
in order to avoid the ACA’s employer mandate. Marin v. Dave & Buster’s, Inc.
Infographic – Cadillac Tax: Expectations vs. Reality »
Infographic - Cadillac Tax: Expectations vs. RealityWhat is the Cadillac Tax? Starting in 2020, there will be a 40% tax on health insurance places that cost more that $10,800 for individuals and $29,100 for families.
Cyber Attacks – A Growing Business Interruption Threat »
Cyber Attacks - A Growing Business Interruption Threat When you think about what usually causes a business interruption, natural disasters such as fires, earthquakes and floods probably come to mind first. These events can physically damage your property and equipment, making your workspace unusable for a time.
Health Care Reform – 2016 Compliance Checklist »
The Affordable Care Act (ACA) has made a number of significant changes to group health plans since the law was enacted over four years ago.
Same Sex Marriage »
Same Sex MarriageOn June 26, 2015, the U.S. Supreme Court issued its much-anticipated decision on same sex marriage. In a landmark decision, the Supreme Court ruled 5-4 that the U.S. Constitution guarantees same-sex couples the right to marry.
US Supreme Court Upholds ACA Subsidies in Federal Exchanges »
ACA SubsidiesOn June 25, 2015, the U.S. Supreme Court issued a final ruling in King v. Burwell. This case challenged the availability of health insurance Exchange subsidies in states with Exchanges run by the federal government.
Cyber Risks Liabilities Newsletter – May 2015 »
Cyber-Risks-Liabilities-Newsletter---May-2015Cyber insurance coverage is a relative newcomer to the insurance market, which can present some challenges for both businesses and insurers.
2014 Health Plan Design – Benchmark Summary »
2014-Health-Plan-Design-Benchmark-SummaryThe Zywave Health Plan Design Benchmark Report is based on data drawn from the largest database in the country, consisting of 50,000 health plan designs from over 31,000 employers during the 2014 calendar year.
Code Section 6055 – What Information Must be Reported »
Code-Section-6055 The Affordable Care Act (ACA) created new reporting requirements in Internal Revenue Code (Code) Section 6055.
Code Section 6056 – What Information Must be Reported »
Code-Section-6056 The Affordable Care Act (ACA) created new reporting requirements under Internal Revenue Code (Code) Section 6056.
Hurricane Season 2015 »
Hurricane-Season-Summer-2015 Colorado State University researchers are predicting a below-average 2015 Atlantic hurricane season, with seven named storms this season.
ERISA Compliance FAQs – Fiduciary Responsibilities »
ERISA-Compliance-FAQs-Fiduciary-Responsibilities The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers.
Play Penalty Identifying Full-Time Employees – The Monthly Measurement Method »
Pay-or-Play-Penalty-Identifying-Full-Time-Employees---The-Monthly-Measurement-Method The Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer affordable, minimum value health coverage to their full-time employees (and dependents) or pay a penalty.
Congress Gets To Work On Affordable Care Act Amendments »
CONGRESS-GETS-TO-WORK-ON-AFFORDABLE-CARE-ACT-AMENDMENTS The 114th Congress with its 247 Republican Representatives and 54 Republican Senators appears to be fulfilling its promise to take a fresh look at the Affordable Care Act (ACA).
The Affordable Care Act In 2014 & 2015 – Ending Year One And Looking Ahead »
THE-AFFORDABLE-CARE-ACT-IN-2014-&-2015---ENDING-YEAR-ONE-AND-LOOKING-AHEAD As 2014 draws to a close we take a look back on the year and think about the year to come and what it all means to the Affordable Care Act (ACA).
Supreme Court To Review IRS Rule On Federal Subsidies »
SUPREME-COURT-TO-REVIEW-IRS-RULE-ON-FEDERAL-SUBSIDIES Already dealing with the aftermath of a Republican takeover of the Senate & additional seats in the House, the Obama Administration received some more bad news today (Nov. 7) when the Supreme Court announced it was going to review King v. Burwell.
BAN | M&R Relationship »
M&R-BAN-relationship Morris & Reynolds Insurance is proudly the only South Florida member of the prestigious Benefit Advisor’s Network (BAN), a national network of 60 of America’s largest employee benefit brokers and advisors.
9 Sources of Water Damage »
9-sources-of-water-damageA study conducted by the Institute for Business and Home Safety identified 9 areas in your home where water damage is most likely to occur.





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