News & Events

Monday, January 15th

TBD: AHPs and the ACA

Association Health Plans (AHPs) pre-date the Affordable Care Act (ACA) and while they have a limited California presence, their potential for expansion jumpstarted on January 4th.  The Department of Labor released proposed rules that may lead to the growth of AHP’s, probably beginning in 2019. These proposed rules are open for comment until March 6th and may change.  Since this has potential to influence the current small group and individual health insurance markets, it’s worthwhile to have context for the rules and understand their key components.

In California, the main examples of AHPs are Multiple Employer Welfare Arrangements (MEWAs).  Our current limited number of MEWAs have functioned over the years.  However, some AHPs have a “checkered history,” according to a January 4th Kaiser Health News article by Julie Appleby. “A number have had solvency problems that left consumers on the hook for unpaid medical bills, while others have been fined for misleading advertising or failing to pay benefits.”

Hence, when evaluating these opportunities, brokers and employers have a lot of due diligence ahead of them.  Within the proposed rules, the association plans will form in two types:

  1. By industry, with up to a nationwide scope, either an existing association or one newly formed to host a health plan, or;

  2. By geographical region, which under some circumstances could be multi-state as well.


Friday, January 12th

January 2018 Newsletter

A new year, a new newsletter!  There a exciting things announced in this month’s newsletter, including two brand new videos showcasing the real Morris & Garritano. Be sure to check them out!

Friday, January 12th

Behind the Scenes of M&G

Over the last few months, we have been working on a project that we are so excited to now share with you!

In our monthly newsletter, I often talk about who we are at Morris & Garritano – the services we provide, the culture we nurture, and the commitment we have to our clients’ satisfaction. And I could tell you many more things, but I think it means so much more coming form the people that live our core values every day- our employees!

Together with 20|20 Creative Group, we have created two videos to showcase what it’s like to work with Morris & Garritano and what it’s like to work for Morris & Garritano.

These videos are featured on the Homepage, About Us page, and Careers page of our website; or you can watch them right here!










I hope you enjoy watching them and learn a little bit more about our company and our family.