2024 Health FSA Inflation Adjustments Released

MZQ Logo

Read more

Medication Non-Adherence: A Problem Employers Can Help Fix

Over 9 million adults cannot or do not take their medications as instructed.

Did that stat make you pay attention? It should.

Even if you offer insurance to your employees, they still might struggle with taking their medications and treating chronic conditions such as diabetes, high blood pressure, or high cholesterol—or taking any needed medicines for their health.

And you may not even know it. Read more

Webinar: ACA the Easy Way


MZQ_logo_2019_FINAL-01 copy 2


Geometric Image + Icon (5)Join Q4intelligence and Marissa Rufo of MZQ Consulting for a webinar on November 14, 2023, with an overview of the latest updates in employee benefits!


Read more

Company Culture: The Productivity Powerhouse

Every employee has experienced those days when you feel awesome, energized, and accomplished at the office. Then there are those days when you can barely motivate yourself to show up, let alone get anything done. What’s the difference? 

Often, it comes down to your company’s work culture and environment. While physical factors like office layouts and snacks are nice perks, less tangible things like leadership, teamwork, and work-life balance have an even bigger impact on productivity.

Read more

A Financial Wellness Wake-Up Call: How to Support Your Team

BrightPlan published its most recent Wellness Barometer Survey, a collection of data to help people learn what’s on employees’ minds and how employers can best support their team—especially in this changing market and workplace environment.

The survey focuses on financial wellness, an essential concern for employees. We’ll define financial wellness, summarize the most critical findings from the survey, and review how you can use these findings to support your employees. Read more

ACA Affordability Percentage Drops to a New Low for 2024

MZQ Logo


Just when we thought affordability percentages couldn’t possibly go lower than the 2023 rate of 9.12%, the Internal Revenue Service released Revenue Procedure 2023-29 declaring the Affordable Care Act (ACA) benchmark for determining the affordability of employer-sponsored health coverage will significantly decrease to 8.39% of an employee’s household income for the 2024 plan year. This almost ¾ percentage point is a significant decrease for several reasons.

Read more

Flipping the Script on Time Management

Time management affects a massive part of our lives, from how much we earn to how happy we are.

Learning to manage your time involves everything from your ability to hit big goals to how satisfied you are by the end of the day. Time management strategies can be helpful, but many miss the mark because they do nothing to address underlying habits and predispositions that lead to poor time management.

While the Pomodoro Technique or adding calendar blocks to your schedule can be worth trying, these approaches rely on us to add something new to our pattern of habits. They don’t redefine how to work with preexisting practices or rid people of deeply ingrained habits that frazzle us when we look at our to-do lists, miss deadlines, and show up unprepared for meetings. Read more

Deadline Approaching for Medicare Part D Coverage Notices

MZQ Logo


By October 13, 2023, plan sponsors that offer prescription drug coverage must provide notices of creditable or non-creditable coverage to Medicare-eligible individuals. While plan sponsors are typically responsible for providing these notices by October 14th every year, this year’s notice is due by October 13th because the 14th falls on a Saturday.

Creditable coverage is expected to cover, on average, at least as much as the standard Medicare Part D prescription drug plan, whereas non-creditable coverage falls below this threshold. Two methods are available to establish a prescription drug benefit’s creditability status: a simplified determination or an actuarial determination of credibility. Read more

Upskill Your Team, Level Up Your Business

In today’s rapidly evolving work environment, staying competitive is not solely about attracting top talent but retaining it. 

How do you give your business and your team that competitive edge? Upskilling. 

Upskilling equips your employees with new skills and knowledge or enhances their current skillsets through training, certifications, or education. With upskilling, you enhance your employees’ capabilities and highlight your commitment and dedication to your team’s professional growth. Read more

Guidelines for Processing Medical Loss Ratio Rebates

MZQ Logo


Many sponsors of fully insured health plans either already have or will soon receive checks from their insurance carriers, along with a notice informing them that the review is a medical loss ratio (MLR) rebate. Plan sponsors should receive these checks by September 30, 2023. The MLR rules implemented as part of health care reform are designed to ensure that insurance carriers spend no more than a specified percentage of premiums collected on overhead-type expenses. Carriers must issue a rebate check when this percentage is exceeded. Read more