MJ Insight

Explore MJ Insight, where we cover trending topics, provide industry insights, and keep you up-to-date on the latest compliance regulations.

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Benefits+ | Compliance

HHS Releases Hardship Exemption Guidance for Catastrophic Coverage

PUBLISHED September 17th, 2025
DeAnn Deck

On Sept. 4, 2025, the U.S. Department of Health and Human Services (HHS) issued guidance describing circumstances under which individuals who are enrolling in health coverage through the individual market but are ineligible for advance payments of the premium tax (…)

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Benefits+
PUBLISHED August 30th, 2024

Upcoming Deadline: MLR Rebates

DeAnn Deck

Employers with insured group health plans may soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. Issuers who did not …

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Risk Management
PUBLISHED August 27th, 2024

The Truth About Captives

Byron Shultz

More control and greater potential for financial reward are two benefits of captives. But you may be wondering if it’s worth making the switch. …

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Benefits+
PUBLISHED August 23rd, 2024

2025 Changes – Medicare Part D Creditable Coverage

DeAnn Deck

Employers sponsoring any size group health plan that provides prescription drug coverage are not required to offer creditable coverage, but they are required to …

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MJ Foundation
PUBLISHED August 20th, 2024

Opportunity Is Out There

Britni Shrout

In the heart of communities across the globe, there are stories of resilience and hope that often go unheard. These are the stories of …

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Risk Management
PUBLISHED August 13th, 2024

Drafting Your Cybersecurity Dream Team: A Playbook for Cyber Quick Response (CQR)

Carol Scully

Gearing up for the forthcoming football season, it’s time to channel that energy into fortifying your business against cyber threats. Just like a football …

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News and Updates
PUBLISHED August 6th, 2024

Colorado Market President Named “Outstanding Women in Business” by Denver Business Journal 

The MJ Companies

At MJ, we embrace innovation and aim to raise standards — a mission embodied wholeheartedly by Courtney Hutchison, our esteemed Colorado Market President. Reflecting …

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News and Updates
PUBLISHED August 1st, 2024

MJ Retirement Receives Expanded CEFEX DOL Cybersecurity Certification

The MJ Companies

INDIANAPOLIS (August 1, 2024) – MJ Retirement, the fiduciary arm of The MJ Companies, a leading financial services firm for 60 years, is proud …

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MJ Foundation
PUBLISHED July 23rd, 2024

One in a Million

Britni Shrout

Across the world, parents share in the universal desire to see their children thrive in health and happiness—a wish that becomes even more urgent …

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MJ Foundation
PUBLISHED July 16th, 2024

MJ Raises Over $135K for Community at MJ Foundation Golf Outing

The MJ Companies

INDIANAPOLIS (July 16, 2024) – The MJ Companies, a leading financial services firm for over 60 years, hosted its second annual Benefit at the …

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Benefits+
PUBLISHED July 12th, 2024

PCORI Fees Due July 31, 2024

DeAnn Deck

The Affordable Care Act (ACA) requires self-insured and level-funded plan sponsors to pay Patient-Centered Outcomes Research Institute fees (PCORI fees). The fees are reported …

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Risk Management
PUBLISHED July 9th, 2024

BEYOND TRADITIONAL INSURANCE: CAPTIVE OPTIONS FOR FORWARD-THINKING BUSINESSES

Byron Shultz

It’s the ideal trifecta of insurance: reduce risk, save money, and drive more growth. These advantages are possible when using a captive, an innovative …

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Risk Management
PUBLISHED July 1st, 2024

Cybersecurity Insights: Organizational Exposure to Business Email Compromise and AI

Carol Scully

In today’s digital world, the growing impact of cyber attacks have become an ever-pressing concern for businesses of all sizes and across industries. While …

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