Category Archives: Uncategorized

Merlinos Attends Louisiana Seminar

Merlinos consultants Allen Fricks and Jacob Zirbel will be at the 2016 Louisiana Insurers’ Conference Annual Louisiana Insurance Compliance Seminar & Legislative Review in New Orleans, August 3-5.  If you are going to be in New Orleans let us know — we would love to say hello.

Does the Homeowner Flood Insurance Affordability Act “Gut” Biggert-Waters?

Six months ago we wrote about the 2012 Biggert-Waters Act (BW-12) and people’s reactions to it at that time.  In the intervening six months, a lot of reacting has happened.  Most importantly, the Homeowner Flood Insurance Affordability Act (HFIAA) was passed. After Biggert-Waters was passed, there was a public outcry.  It was so universal across … Continue reading Does the Homeowner Flood Insurance Affordability Act “Gut” Biggert-Waters? »

The Biggert-Waters Act: What Does It Do, and What Next?

Drafted in the wake of the 2004/2005 hurricane season and Superstorm Sandy, the Biggert-Waters Flood Insurance Reform Act of 2012 (BW-12, or Biggert-Waters) makes a number of changes to the National Flood Insurance Program (NFIP).  The changes are primarily rate increases or re-mappings to “reflect true flood risk.”  Essentially, BW-12 eliminates, or gradually eliminates, subsidies … Continue reading The Biggert-Waters Act: What Does It Do, and What Next? »

Medicare Cost Plus: Yes or No?

Self-insured group medical plans are very prevalent and have served plan sponsors well in many respects.  However, plan sponsors have experienced increases in per capita medical costs that greatly exceed the Consumer Price Index for all urban consumers (CPI-U) for many years.  The vast majority of self-insured group medical plans in-force in 2013 utilize a … Continue reading Medicare Cost Plus: Yes or No? »