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Employee Benefit News for School, City and County Employers

Rick Labian

Rick Labian lives by the Golden Rule – he is guided by what is best for his clients and treats others as he would like to be treated. Rick acts as an advisor and advocate for his clients, helping to identify goals for their benefit programs and building a strategic plan together. Rick has a rich history with NIS. He has worked for NIS for over 20 years, leading the Eastern region. Rick is the manager and leads the FBC Client Management Team. Rick’s leadership and experience aids our internal staff and all of NIS’ FBC clients. Rick is a licensed insurance agent and is ACA certified through the National Association of Health Underwriters.

Recent Articles by Rick Labian

Legal Assistance Programs Offer Affordable Access to All Employees

2 minute read

Employers are always looking for ways to enhance their employee benefit offerings. From accident coverage to reproductive assistance and financial support, they continuously add various...

What You Need to Know About Gag Clause Attestation

2.5 minute read

The Consolidated Appropriations Act of 2021 (CAA) imposes restrictions on Group Health Plans (GHPs) and insurers, preventing them from entering into agreements that limit or hinder...

Affordability Percentage Decreases for 2024

1.5 minute read

The IRS recently announced the affordability percentage that will apply under the Affordable Care Act’s (ACA) pay or play rules for plan years beginning in 2024. Employer sponsored...

Humana to Exit from Employer-Sponsored Medical Insurance Coverage

.5 minute read

Health insurance company, Humana Inc., has announced that they will stop providing employer-sponsored medical insurance coverage. This includes fully insured, self-funded, and Federal...

Study Shows Consolidated Health Systems Fail

1 minute read

Consolidated health systems deliver a large proportion of the medical care in the United States. A new study suggests that consolidated health systems provide slightly better care than...

New Telemedicine and HSA Legislation

1 minute read

The recently approved Consolidated Appropriations Act, 2023 (CAA 2023) includes a new 2-year extension of the telehealth waiver. Temporary relief had been provided to high deductible...

Upcoming Deadlines for ACA Reporting

2 minute read

Employers subject to Affordable Care Act (ACA) Reporting under the Internal Revenue Code Sections 6055 or 6056 should prepare to comply with reporting deadlines in early 2023.

2023 Health Plan Compliance Deadlines

1 minute read

When it comes to your employer-sponsored group health plan, public sector employers have numerous reporting and disclosure requirements that must be met throughout the year.

Pay or Play Penalties Increase for 2023

2 minute read

The IRS revised its frequently asked questions, updating the pay or play penalty amounts for 2023. The pay or play rules, also referred to as employer shared responsibility is part of...


Pay or Play Affordability Percentage Decreased

1 minute read

The IRS issued Revenue Procedure 2022-34 to update the contribution percentage in 2023 for determining the affordability of an employer’s plan under the Affordable Care Act.