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Reps and Warranties insurance has gone from being an occasionally used, slightly mysterious product, to an everyday component of many mergers and acquisitions. Despite this uptick, a lot of people involved in a transaction may still be using it for the first time. Even advisors who have heard of it may not be involved in the details of a placement.

Healthcare costs are projected to continue growing at unsustainable rates in the coming years. Add to that the administrative complexities of the Affordable Care Act (ACA) and competition to keep great employees, and wine industry employers feel the pinch as much as anyone else. Let’s take a look at some of the data and changes in recent years, and also explore a coverage solution that strives for collaboration, compliance, cost control and efficiency.

The IRS issued guidance in Revenue Procedure 2017-36 that decreases the percentage from 9.69% to 9.56% for purposes of determining the affordability of employer-sponsored group health coverage in 2018. This percentage affects which applicable large employers may face potential penalties under 4980H(b) for failure to provide affordable coverage and which individuals may qualify for subsidized coverage through a public Exchange (Marketplace).