Achieve Healthy Goals

Healthy Goals | mljinsurance.comIn terms of health & wellness goals, it can be easy to get sidetracked. Despite all of our good intentions, the simple fact of the matter is that most of us will inevitably become derailed at one point or another, and this is precisely the moment many of us quit; but staying engaged is essential for our health. Here are some tips to achieve your healthy goals.Read More

Understanding the Forms 1094 & 1095 Requirements

Employer Forms | mljinsurance.comThe Affordable Care Act requires insurers, self-insuring employers, and other parties that provide minimum essential health coverage to report information on this coverage to the Internal Revenue Service (IRS) and to covered individuals (referred to as “section 6055 reporting”). Large employers (generally those with 50 or more full-time employees) are also required to report information to the IRS and to their employees about their compliance with the employer-shared responsibility (“pay or play”) provisions and the healthcare coverage they have offered (referred to as “section 6056 reporting”).Read More

Understanding Workplace Benefits

Workplace Benefits | mljinsurance.comWith open enrollment season at work kicking into full swing, many employees are putting some serious thought into their workplace benefits. Unfortunately, it’s a process that causes distress for a surprising number of people because employees don’t understand their benefits materials, and therefore they are not equipped to make the best decisions during open enrollment.Read More


Maximize Your Health Insurance Benefits

Health coverage is important whether you’re sick or healthy. When people find themselves in the middle of a health issue, they can easily become overwhelmed by the unknowns. Here are some ways your health insurance can help you maximize your health and well-being.

Maximize Benefits |


Not all types of providers and facilities take all insurance plans or types of coverage. For that reason, it’s important to understand the specific “in-network” and “out-of-network” coverage benefits of your health plan. In-network benefits leave members with a much smaller out-of-pocket responsibility to pay than out-of-network.Read More

“Pay or Play” Penalty

Pay or Play |

If you are concerned about compliance, contact us today. We can help you avoid future audits and penalties. And, as always, our services are free of charge.

‘Pay or Play’ Coverage Penalties Remain in Effect

Despite recent attempts in Congress to “repeal and replace” the Affordable Care Act (ACA) and President Trump’s executive order calling for executive agencies to minimize the ACA’s regulatory burden, penalties for failing to comply with the ACA’s employer shared responsibility (“pay or play”) provisions remain in effect.Read More

Colorado Minimum Wage to Rise in 2018

With the passage of Amendment 70, as of January 1, 2017, Colorado’s minimum wage was increased to $9.30 per hour for 2017, and it will be increased annually by $0.90 each January 1 until it reaches $12 per hour effective January 2020. Thereafter it will be adjusted annually for cost of living increases, as measured by the Consumer Price Index used for Colorado.

Effective January 1, 2018, the minimum wage in Colorado will rise to $10.20 per hour for non-tipped employees and to $7.18 per hour for tipped employees, plus tips.

CO Minimum Wage | mljinsurance.comState vs. Federal Minimum Wage

In addition to state minimum wage requirements, there are also federal minimum wage requirements. If an employee is covered by both state and federal minimum wage laws, the law which provides a higher minimum wage or sets a higher standard applies.

Minimum Wage: If an employee is covered by federal and Colorado state minimum wage laws, then the employer must pay the higher minimum wage. Federal minimum wage is currently $7.25 per hour, which is lower than the 2017 Colorado state minimum wage of $9.30. Therefore, based upon current information, covered employers in Colorado will have to pay their employees the higher value of $9.30 per hour under Colorado law.

Tipped Minimum Wage: If an employee is covered by federal and Colorado state minimum wage laws, then the employer must pay the higher minimum wage for tipped employees. Federal tipped minimum wage is currently $2.13 per hour, which is lower than the 2017 Colorado tipped minimum wage of $6.28 per hour. Therefore, based upon current information, covered employers in Colorado will have to pay their tipped employees the higher value of $6.28 per hour under Colorado law.

Don’t Forget!

  • Every employer must keep a true and accurate record for each employee including an itemized earnings statement for at least 3 years after the wages were due.
  • Whenever employers are subjected to both federal and Colorado law, the law providing greater protection or setting the higher standard shall apply.

Please note that the information included above is for general informational purposes only. State and local laws change frequently and, as such, we cannot guarantee the accuracy or completeness of the information featured in this article at the time it was published. For more detailed information regarding state or local laws, please contact Colorado state labor department.


This is a friendly reminder that the end of the 2018 Open Enrollment is approaching. As we had posted before the enrollment period is shorter this year. This makes it particularly important for current consumers to shop and compare the plans available to them.

2018 Open Enrollment |

Our team at MLJ is ready to answer your health insurance questions and help you purchase a policy that best fits your needs. Please schedule online or call us at 303-667-7123 so that we can offer our assistance. We look forward to helping you!Read More

Picking a Health Insurance Plan

Most Americans are required by law to purchase a health insurance plan or they will have to pay a penalty. For that reason, finding the best plan at the right price is more important than ever. Here are some tips to help you pick an insurance plan that fits your needs.Pick Insurance Plan |

How to pick a health insurance plan?

For many reasons, people who purchase their own insurance are currently shopping around during this open enrollment season: some are seeing their premiums increased for the same plan, other hope to find a certain provider in network and others are not happy with the services received from their current coverage.Read More

Taming Productivity Killers

Productivity Killers

Employee Productivity | mljinsurance.comFrom water cooler gossip, to interminable meetings, to hours wasted scrolling through social media, the modern workplace is teeming with threats to employee productivity. These distractions or productivity killers are taking a toll: several recent surveys show that U.S. employees are spending a mere 40-50% of their workdays engaged in job-related tasks.Read More

Adult Children Coverage and the Affordable Care Act

Under the Affordable Care Act, when a plan covers dependents, it must continue to make the coverage available until a child reaches the age of 26 (adult children coverage), even if the young adult has been offered coverage through his or her own employer, is married, no longer lives with his or her parents, is not a dependent on a parent’s tax return, or is no longer a student.Adult Children Coverage |

Adult Children Coverage and the Affordable Care Act

This rule applies to all plans in the individual market and to all employer plans. Any qualified individual must be offered all the benefit packages and cannot be required to pay more for coverage than similarly situated individuals.

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