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(On and Off Exchange)

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(On and Off Exchange)

(Must have compatible plan)

(Must have compatible plan)

for Marketplace plans

through UnitedHealth One

through BCBSTX

through GeoBlue


At JME Insurance Agency, we’re committed to educating our clients about issues that are important to them. Below you will find a number of white papers and other resources that are designed to provide JME’s employer clients with information to help them save money, stay compliant, and get more return from their employee benefits package.

Lowering Health Insurance Premiums - Our Ideas

JME Insurance Agency has put this paper together to share our experiences and our thoughts about the factors contributing to the current instability in the individual and small group markets. We also have some ideas about how to reverse this disturbing and unsustainable trend.

Why Group Insurance Is More Valuable Than Ever

For years, employers have offered health insurance and other employee benefits in an effort to attract and retain quality employees. Now, with rapidly rising premiums and higher out-of-pocket costs in the individual market, group health insurance may be more valuable to employees than ever before.

Educating Employees About Their Medicare Options

If your company has Medicare-eligible employees who are currently covered on the group plan, it may be a good idea to educate them about their options. They might get better coverage at a lower cost, and because age is a big rating factor, especially for small employers, you might save a lot of money as well.

Medicare Premium Reimbursement Arrangements

The IRS recently confirmed that small employers with fewer than 20 employees may be able to pay the Medicare premiums for their active employees, which could save the company thousands of dollars per year. However, there’s a right way and a wrong way to set up these programs.

2017 Employer Mandate Flowchart

Courtesy of the Kaiser Family Foundation, this flowchart shows the updated penalties for applicable large employers that do not offer affordable health coverage that provides minimum value to their full-time employees in 2017. These figures are adjusted for inflation and higher than the 2016 penalties.


To keep our employer clients up-to-date on issues important to them, JME sends out regular employer newsletters. We don’t send them every month but choose to wait until we have something to tell you. You can expect the newsletters to increase as we get closer to open enrollment. If your inbox is full and you’d prefer not to receive the newsletters by email, each one has an “unsubscribe” button. You can always find archived versions here in the Employer Resource Center.

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