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.

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

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

    September 17, 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.

  • ACA 2026 Special Open Enrollment Window for Small Groups

    October 24, 2025 | By Paul Roberts

    California & Nevada

    The ACA’s annual Special Open Enrollment Window runs 11/15 – 12/15, giving Small Group employers a one-month opportunity to enroll in medical coverage without meeting participation or contribution requirements. Learn what this means for 2026 coverage and what to keep in mind when submitting cases.

  • Accessing Pharmacy Benefits for California Small Groups: Pharmacy Rx BIN and PCN Numbers

    December 5, 2025 | By Word & Brown General Agency

    California

    Clients often need to access Rx benefits before receiving their health plan ID Cards. Our handy Small Group Rx BIN and PCN table can provide the information they need.

  • Understanding the Gag Clause Attestation and What Employers Need to Know

    December 5, 2025 | By Paul Roberts, REBC, Sr. Director, Health Policy & Education

    California & Nevada

    Curious about the CAA’s Gag Clause Attestation? This column covers why it exists, how it promotes transparency, and which plans must file by December 31. Fully insured employers have minimal responsibility, while self-funded and level-funded plans face distinct obligations.

SEIZE THE OPPORTUNITY

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