News & Events

Thursday, August 10th

August 2017 Newsletter

Can you believe it’s already August? It seems like this year has flown by. Make sure to take some time out of your day to relax and enjoy the little things in life – like our M&G | exposure Newsletter!

Thursday, July 20th

July 2017 Newsletter

Our July edition of M&G | exposure is ready for you! Are you ready for it? Take a look inside for some important information about the new Form I-9 and what’s going on in health care.

Wednesday, June 28th

Happy National Insurance Day!

Happy National Insurance Day! Bet you didn’t know that was a thing! Now,  you must be wondering what you can do to celebrate! Let us offer a few suggestions:

Tuesday, June 20th

June 2017 Newsletter

The start of summer is just around the corner and that means it’s time for fun, sun, and the June issue of our M&G | exposure Newsletter! We have some great articles this month about company culture, new and updated legislation, and tips to staying healthy this summer so you can enjoy all that the Central Coast has to offer!

Friday, May 26th

2017 AMB Central Coast Business Symposium

Morris & Garritano is proud to co-sponsor the upcoming AMB Central Coast Business Symposium.  Speakers for the June 15 event include former pro-baseball player Matt Imhof, whose devastating training injury cost him his pro career; HR expert Sharon Jordan Evans; and United News International founder Stanley Fields.  Advance reservations are required and filling fast.  Register today as our guest for the by-invitation only event.

Wednesday, May 17th

May 2017 Newsletter

Please help us wish a happy 1st birthday to our M&G|exposure Newsletter! Thank you for allowing us the opportunity to provide you with a snapshot into the world of insurance and the world at M&G. We hope you will continue to find our newsletters helpful and informative – starting with this one!

Thursday, May 4th

American Health Care Act of 2017 Passes on a Vote of 217-213

On Thursday, May 4, 2017, the US House of Representatives passed the American Health Care Act of 2017 on a largely party line vote
of 217-213. The bill was previously pulled from consideration in March when it was clear that Republicans were not able to garner a sufficient number of votes amongst conservative and some moderate members in order to secure passage.

Two important amendments were then added to the bill. The first allows States to obtain a waiver from the key provisions of the Affordable Care Act (aka Obamacare) to provide essential health benefits. Those benefits as outlined by the ACA include, ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health treatment, prescription drugs, rehab services, lab services, preventative medicine, and pediatric services. The waivers are automatically approved unless The Department of Health and Human Services objects within 60 days. The amendment also allows States to charge older enrollees more than younger ones at a ratio higher than the 5:1 level specified in the original bill. This would presumably be done through high-risk pools.

The second amendment, offered just hours before the House vote, injects $8 billion into the system to subsidize premiums for those with preexisting conditions.

The bill now heads to the Senate where it will certainly undergo substantial modification.

Monday, April 17th

April 2017 Newsletter

This month’s newsletter has some great articles about the state of heath care in the US, how best to hire to fit your culture, and information HR seminars that you don’t want to miss!

Thursday, March 30th

Santa Maria Ribbon Cutting Ceremony!

Early this month, we hosted a ribbon cutting ceremony and reception for our new Santa Maria office.  It was a wonderful opportunity to connect with the Santa Maria Chamber of Commerce as well as other business and community members. The Chamber wrote a lovely article that captures our excitement for this new opportunity. The article also features a video interview with our CEO, Brendan Morris, discussing how this has been a long time in the making and we are looking forward to meeting the needs and exceeding the expectations of new and existing clients in Santa Barbara County.

Ribbon Cutting: Morris & Garritano Insurance

Friday, March 24th

Healthcare Reform Dies in Congress

On Friday March 24, 2017, Speaker of the House, Paul Ryan, announced that the American Health Care Act has been pulled from consideration on the House floor. Republicans were not able to garner a sufficient number of votes amongst conservative and some moderate members in order to secure passage in the House. The bill, had it passed, would have begun the process of reforming major provisions of the Affordable Care Act (a.k.a. Obamacare) including the employer and individual mandates. With this legislative defeat, Speaker Ryan acknowledged that, “we will be living with Obamacare for the foreseeable future.”

Speaker Ryan further announced that the Republicans will be moving on to other items in their legislative agenda including tax reform and infrastructure spending. This in effect kills heath care reform for at least 2017. In fact, there may not be another attempt to repeal the Affordable Care Act until after the mid-term elections in 2018.

Please contact Morris & Garritano Director of Compliance Keith Dunlop at or 805.597.6378 for questions regarding this or any other ACA-related issue.