Insurance Compliance Services 

We are committed to making complicated issues seem simple — for you and your customers. We’ll help you navigate the uncertainty of regulations affecting you, your clients, and their employees.
 

The Help You Need Is All Right Here

We’re here to assist with compliance-related matters, employer reporting, and complex regulations. We make complicated issues seem simple, with valuable resources and answers to your specific questions. We’ll help you navigate the uncertainty of state and federal laws affecting you, your clients, and their employees

WBCompliance Wiki

Our new resource gives you and your clients a place to easily – and quickly – look up compliance-related topics to get the answers you need. You won’t have to wade through PDFs or web pages. The search feature gives you the ability to find exactly what you’re looking for in seconds.

WBCompliance Team

Our in-house Compliance team is staffed by experts who are here to simplify your life. Exclusive to our General Agency, they’re on call to answer any of your Compliance questions. 

ACA Guidance

Whether you have a client-specific, scenario-based Affordable Care Act (ACA) or Department of Labor (DOL) inquiry, you can count on us to deliver the answers, resources, and support you and your clients want.

  • ERISA

    We can simplify your clients’ administration, ensure their program can pass the ERISA coverage test, and protect benefits with a Wrap Plan bundling health and welfare.

  • Premium Only Plan (POP)

    A POP offers savings to clients and employees, because of reduced payroll taxes and the ability to deduct insurance premiums or HSA contributions on a pre-tax basis.

  • COBRA

    Employer compliance with COBRA is mandatory and non-compliance fees can be substantial. We offer your eligible groups free COBRA administration, helping them save money and avoid fines.

  • ACA IRS Reporting

    Help your clients with annual IRS reporting and related services like mandated employer letters, ERISA Wrap documents, Form 5500 preparation and filing, and more.

  • ACA Calculators

    We have calculators designed to help you determine whether your clients are subject to ACA “play or pay” mandates, forecast potential penalties, and more.

Compliance content from our newsroom

  • California Law Fertility and IVF Coverage

    July 1, 2025 | By Paul Roberts, REBC, Sr. Director of Education & Market Development

    California

    California’s infertility and IVF mandate for fully insured plans just got a last-minute extension to January 1, 2026. The Legislature approved the change via a late-June budget trailer bill. Here’s what benefits professionals need to know about the delay — and what hasn’t changed.

  • California Delays Implementation of Fertility and IVF Mandate

    July 21, 2025 | By Alex Strautman

    California

    Learn about California's new fertility benefit mandate for fully insured health plans, including IVF coverage, delayed to January 1, 2026. Find out who it applies to and what it means for employers and insurers.

  • From Medicaid to the Workplace: How “OBBBA” Hits Employer Plans

    August 20, 2025 | By Paul Roberts, REBC, Sr. Director of Education & Market Development

    California

    The new federal budget law, OBBBA, brings sweeping changes to Medicaid, ACA subsidies, hospitals, and even HSAs and FSAs. These shifts will reshape coverage options for employees and pose new challenges for employers. Learn what’s coming in 2025–2026 and how group plans may need to respond.

  • Understanding ACA Medical Loss Ratio (MLR) Rebate Requirements and Employer Options

    August 22, 2025 | By Paul Roberts, REBC, Sr. Director, Education and Market Development

    California & Nevada

    The Affordable Care Act requires Medical Loss Ratio rebates when health plans fall short of required minimum spending on care and activities to improve the quality of care. Get details on 2024 rebates due in September in Paul Roberts’s new column.

SEIZE THE OPPORTUNITY

 Talk to a representative and find out how to get started with Word & Brown.