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Before you purchase a car, it’s a good idea to understand all the costs associated with the purchase of the vehicle — including the cost of automobile insurance. Auto premiums rates vary based on a variety of factors. Learning about how rates are determined will help you navigate why rates vary and can assist you with your auto buying decision.

Marshall & Sterling would like to discuss an alternative strategy to allow for rating that could provide rates below the community rated market.

So your dear old grandma, who’s in the nursing home, bought a new Harley and appears to have gone on a road trip down to Daytona. Yeah, I didn’t think so. Identity theft is a major concern for many people, and rightfully so.

Face the facts: If you are not actively taking care of your heart, it can’t take care of you. According to the American Heart Association, more than one in three women has a form of cardiovascular disease. And, heart disease is the leading cause of hospital stays for men in the United States.

On December 28th, 2015, mere weeks before the first set of deadlines, the IRS released Notice 2016-4, extending the due dates for ACA information reporting.

On Thursday, December 17th, Congress approved a year-end budget package-including a two-year postponement of the Affordable Care Act's (ACA) "Cadillac tax" on higher-cost insurance policies.

With tax season around the corner, and the deadlines for the first round of ACA IRS reporting approaching, we want to provide a brief review on the new reporting provisions under sections 6055 & 6056 of the Internal Revenue Code.

Five years later, on November 13, 2015, the ACA enforcement agencies (DOL, HHS, IRS) jointly published final rules on several 2010 Affordable Care Act (ACA) provisions.

On Monday, November 2nd, President Obama signed the Bipartisan Budget Act of 2015 in which Congress repealed the requirement that large companies automatically enroll employees in employer health plans.

Each year, group health plan sponsors that provide prescription drug coverage to Medicare eligible individuals must disclose whether that coverage is "creditable," meaning it is expected to pay on average as much as the standard Medicare prescription drug plan.