Unless you’ve been living under a rock, you are already aware that at least one major carrier has announced that premiums for groups of 51 employees or more will no longer include commissions. The agent can specify the commission level desired and it will be billed by the carrier, but it will be a line item visible to the client.
With implementation of the minimum loss ratio rules of the Patient Protection and Affordable Care Act it is likely that other carriers will follow suit. More importantly, it is possible that this approach may shift to groups of fewer than 51 employees as well.
