Comprehensive Insurance Solutions

  • Health Care Reform

    Keep up to date on breaking Health Care Reform News & Information

    2013 is going to be a busy year for health care reform The Horton Group will keep you up to date with all the changes and how it will be effecting you, your business and your employees.

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  • Employer Analysis Tool

    Keep up to date on breaking Health Care Reform News & Information

    Now there is a tool to help employers analyze how various health reform changes will affect their business.

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  • The Horton Group Risk Management Center

    The Horton Group & Network Safety Consultants

    The Horton Group is pleased to announce the availability of a comprehensive safety and risk management software suite.

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  • Health Group Captives

    Cost Control Through Transparency

    In 2013, The Horton Group will be launching a new healthcare captive purchasing strategy that will allow businesses to control their second largest business expense: employee health benefit plan costs ultimately affecting their bottom-line.

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  • Workshops & Seminars

    Workshops designed to keep professionals current

    Horton Workshops are designed to keep busy professionals current on a range of insurance related topics. The Horton Group engages some of the brightest minds in the country to help you fine-tune your professional skills and assist in achieving your organizational goals.

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Industries We Serve

The Horton Group provides comprehensive insurance services for:
  • General Business Insurance
  • Construction Insurance
  • Manufacturing Insurance
  • Public Entity Insurance
  • Healthcare Insurance
  • Transportation Insurance
  • Retail Insurance
  • Restaurant & Hospitality Insurance
  • Professional Service Insurance
  • Automotive Insurance
  • Welding & Gas Distributor Insurance
  • Moving & Storage Insurance
  • Manufactured Housing Insurance
  • Franchise & Association Insurance
  • Resale & Thrift Shop Insurance

Insurance Services & Solutions

The Horton Group obtains superior results through higher performance standards and our best practices. This gives our clients a competitive edge which allows them to rise to a higher level.
  • Risk Management
  • Safety & Loss Control
  • Claims Advocacy
  • Surety Bonds
  • Employee Benefits
  • Wellness Plans
  • Captives

About Horton >>

Why Our Clients Benefit:
  • Drive Down Costs
  • Drive Down Anxiety
  • Drive Down Workload

How We Deliver Results:
  • Our Experience
  • Effective Services
  • Talented People

Recent Insurance Posts - The Horton Group Blog >>

Compliance Alert: Health FSA Carryovers – HSA Eligibility

Posted April 02, 2014 at 12:00 AM
Issue Date: March 2014 - Benefit ComplyThe IRS released guidance March 28, 2014, via a memo from the Office of Chief Counsel in regard to the health flexible spending account (FSA) carryover (up to $500) and health savings account (HSA) eligibility. The guidance clarifies methods under which an employer may implement the carryover provision, first introduced under guidance provided in 2013, while allowing individuals to maintain eligibility for HSA contributions.       Background  Recently released …

Premium Tax Credit Eligibility for Victims of Domestic Abuse

Posted March 27, 2014 at 12:00 AM
Generally, married taxpayers must file a joint tax return to be eligible for a premium tax credit.The IRS intends to propose rules on domestic abuse and similar circumstances that create obstacles to filing a joint return. Notice 2014-23 provides a transition rule for 2014 for married domestic abuse victims who are unable to file a joint tax return.If eligibility criteria are met, victims may claim a premium tax credit for Exchange coverage The Affordable Care …

New Exchange Special Enrollment Periods for Certain Individuals

Posted March 26, 2014 at 12:00 AM
CMS will provide special enrollment periods for: Individuals who are “in line” as of March 31. Individuals who were unable to enroll due to limited specified circumstances. These individuals will have a limited amount of time after March 31 to enroll in a QHP. Coverage effective dates will vary based on the special enrollment period. Under the Affordable Care Act (ACA), individuals may only enroll …

Supreme Court Hears Religious Challenge to Contraceptive Coverage Mandate

Posted March 26, 2014 at 12:00 AM
On March 25, 2014, the U.S. Supreme Court heard oral arguments in a challenge to the ACA’s contraceptive mandate.A decision is expected by the end of June 2014.The Court is reviewing whether to allow a narrow exemption for some for-profit employers, not the constitutionality of the contraceptive mandate itself.On March 25, 2014, the U.S. Supreme Court heard arguments in two related cases challenging the Affordable Care Act’s (ACA) contraceptive coverage mandate. In these cases, two …

IRS Issues Final ACA Employer Reporting Rules

Posted March 14, 2014 at 12:00 AM
Benefit Comply Brief | Issue Date: March 2014 The IRS has released final regulations regarding important new employer reporting requirements contained in the Affordable Care Act (ACA). The ACA requires applicable large employers (as defined by the ACA) to provide new health plan reporting to the IRS beginning in 2016. The IRS previously released proposed reporting rules in September 2013 and requested comments on a number of issues. These final regulations provide some simplification of …