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ACA Affordability Considerations

Overview of ACA affordability requirements for employer-sponsored health coverage, including annual percentage thresholds, IRS safe harbors (FPL, Rate of Pay, Form W-2), and key factors affecting employee contributions such as flex credits, opt-out incentives, and wellness programs.

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What Seniors Need to Know Before Traveling

As more Americans work longer and delay retirement, international travel is increasingly part of the conversation for employees over age 65. Whether it’s a bucket‑list trip before retirement or extended travel after scaling back work, there’s one critical issue many overlook: health coverage outside the U.S.

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Morris & Garritano Insurance
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