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The latest insurance articles, insight, and news from Ollis/Akers/Arney Insurance & Business Advisors.

Supreme Court Upholds ACA’s Preventive Care Mandate

Supreme Court Upholds ACA’s Preventive Care Mandate

July 26, 2025
On June 27, 2025, the U.S. Supreme Court upheld a key component of the Affordable Care Act’s (ACA) preventive care mandate. As background, the ACA requires non-grandfathered health plans and health insurance issuers to cover a set of recommended preventive services without imposing cost-sharing requirements, such as deductibles, copayments or coinsurance, when the services are…
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5 Key Requirements for Direct Damage Coverage in Commercial Property Policies

5 Key Requirements for Direct Damage Coverage in Commercial Property Policies

July 22, 2025
Direct damage coverage is a major component of commercial property insurance. It helps pay the cost of repairing or replacing an organization’s property after it has been damaged or destroyed by a covered loss. Generally, five essential policy requirements must be met for this coverage to apply.  1. Direct Physical Damage  First, the loss must…
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The One Big Beautiful Bill Act and Employee Benefits Changes

The One Big Beautiful Bill Act and Employee Benefits Changes

July 19, 2025
President Donald Trump recently signed a major tax and spending bill, commonly referred to as the “One Big Beautiful Bill Act” (OBBB Act), into law. The OBBB Act includes changes for employee benefit plans, including the following:  For more help on what this means for your organization, contact Ollis/Akers/Arney Human Resources Consulting. © 2025 Zywave,…
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5 Strategies to Bolster Occupational  Safety in an Aging Workforce 

5 Strategies to Bolster Occupational  Safety in an Aging Workforce 

July 8, 2025
As the workforce ages, employers must adapt to ensure the safety and productivity of  their older employees. Many baby boomers are delaying retirement or reentering the  workforce, so the number of employees aged 55 and older is rising. While these workers  bring valuable experience and engagement to their roles, they also face unique safety  challenges…
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Artificial Intelligence and the Increasing Threat of Phishing to Businesses

Artificial Intelligence and the IncreasingThreat of Phishing to Businesses

July 5, 2025
Phishing attacks, in which cybercriminals manipulate users into disclosing sensitive information or installing malware through fraudulent communications, have been a persistent cybersecurity threat, often resulting in significant financial and reputational damage. Recently, cybercriminals have begun leveraging artificial intelligence (AI) to power these attacks, making them more convincing and difficult to detect.  As this evolving risk…
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3 HSA Facts and Myths

3 HSA Facts and Myths

July 1, 2025
Health savings accounts (HSAs) are a smart, tax-advantaged way to save for medical expenses.  Funds in an HSA can be used for various eligible health care expenses, such as copays, prescriptions,  dental care and vision-related costs. The accounts are often used to help offset the higher deductibles and out-of-pocket costs that come with a high-deductible health…
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8 Employee Engagement Mistakes to Avoid in 2025

8 Employee Engagement Mistakes to Avoid in 2025

June 24, 2025
Employee engagement refers to an employee’s emotional connection and commitment to their organization and its goals. It is often reflected in their loyalty, motivation and willingness to advocate for the organization. Engagement is a critical factor in driving retention and productivity.  According to a report from Gallup published in early 2025, the percentage of engaged…
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Improving Your Health Care Literacy

Improving Your Health Care Literacy

June 21, 2025
Personal health care literacy refers to being familiar with health care basics, understanding common medical terms and navigating health care information effectively. Improving your health care literacy can help you avoid unnecessary spending, stay healthy and prevent health problems. Consider these tips to help you take charge of your health:  Health care literacy is essential…
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Why Insurance-to-Value Matters More Than Ever

Why Insurance-to-Value Matters More Than Ever

June 15, 2025
Insurance-to-value (ITV) is the relationship between the amount your home is insured for and what it would actually cost to rebuild or replace it from the ground up. It’s important to know that this isn’t the same as your home’s market value or what you originally paid for it. ITV focuses on reconstruction costs—including materials,…
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Tammy Johnson - ESOP Interview Spotlight

Tammy Johnson – ESOPInterview Spotlight!

June 14, 2025
1. What do you like most about your role?   I enjoy being involved in so many different areas including employee engagement and recognition, client relationships and education, and assisting with new connections for our organization.  2. How do you think being in an ESOP affects work culture? We just had a powerful 3rd quarter…
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