Traditional Employer-based health insurance is changing. Federal regulation, cost inflation, and technology either have or will impact your plan. We have several approaches to help you remain compliant and keep your plans affordable.

Exchange Platforms

Our tools give you the ability to offer your own branded exchange for your employees. You may pick from one of our four platforms.

These platforms will reduce your administrative time and paperwork. If you are a:

  • Small employers and business association, we can help by:
    Allow individuals choose from hundreds of individual insurance carrier programs. We are qualified to assist you apply for any Federal Healthcare tax credit and cost share subsidies. Get answers from experienced licensed insurance counselors...No need to go to a government exchange.
  • Small and medium-size employers and budget is a concern, we can help by:
    You set your benefit spend by defined contribution. Allow your employees to choose from multiple group health and ancillary insurance arrangements selected by you. Ancillary benefits can be offered down to one enrollee. We offer you a robust online decision support tool to help your employees select the best benefits for their budget and lifestyle.

    View Partner Bright Choices Video

  • Medium to Large employers we can help by:
    Employees may choose from multiple group health and ancillary insurance arrangements selected by you, the employer. Our representatives can personally help you select the best benefits for your budget and lifestyle.


As an employer, you may pick from our full complement of insurance funding arrangements.

  • Fully-insured Group Medical: Employers that can subsidize and maintain the demanding provisions of a group medical contract.
  • Self-Insurance: Employers willing to underwrite a portion of their own risk for a potential cost savings and reduce their future health insurance inflation.
    • Consumer-Driven Health: Involves the pairing of a high-deductible fully-insured health plan with either a Health Reimbursement Arrangement (HRA) or Health Savings Account (HSA) to generate a premium savings. The employer typically is willing to share a portion of the savings with employees to incent better consumerism for their healthcare needs, this consumerism typically promotes better insurance renewals in the future.
    • Captive Programs: Employer with typically 50-500 employees interested in self-funded pooling with other employers. Underwriters of captive programs require a knowledge of employee claims or completion of employee risk appraisals. Employee wellness programs and cost sharing incentives are usually mandatory to be a member.
    • Conventional Self-funding: Employers with 50+ employees that are financially able to stand alone and pay the front-end of  employee claims with insurance for excessive claim obligations.

Defined Contribution

Defined Contribution is a way for employers to more easily budget for healthcare.

Rather than funding a traditional percentage of health premium, employers convert to a fixed dollar amount and have the employee cover any difference. Defined contribution is allowable on a pre-tax basis when a group medical insurance program is offered. We see this as the future of employee benefits delivery.

PPACA Financial Modeling

Marcum LLP and Marcum Financial Services offer expertise and advice in the healthcare reform arena.

Today’s health insurance landscape is a dynamic one as costs continue to rise and compliance issues have started this year through 2018. There are a multitude of regulatory items that employers and individuals need to consider in order make an educated decision involving health insurance. Today’s health insurance decisions will have an effect on the future of your workforce and how you do business going forward in this new era.

Our team will engage you and perform the following fee-for-service analysis:

Quantitative Analysis

  • Determination of Full-Time Equivalent Employees
  • Health Plan Valuation
  • Fees
  • Penalties
  • Taxes

Compliance Audit

  • Employee Communications
  • Government Reporting
  • Fee/Penalty Payment (where applicable)
  • Schedule of ongoing items

Plan Design

  • Relative to mandated minimum
  • Identify Funding alternatives
  • Comparison to Exchange-based offerings
  • Employer Defined Contribution Strategy
  • Strategic Planning


  • Practical Communication
  • Education about Exchanges
  • Evaluate eligibility for Premium Tax Credit and Subsidies
  • Estimate attrition from Employer Plan
  • Recommend policy for variable hour employees

Your engagement can typically be delivered in 1 to 2 weeks’ time.


Marcum Financial Services works closely with clients to identify and prioritize goals for benefit plans.

Our experience assists with selecting the programs that best meet the unique needs of each business. Additionally, our independence from insurance companies and vendors result in relationships with more than 50 insurance carriers and administrators for our clients. We work for you and your employees.

  • Medical
  • Prescription Drug
  • Dental
  • Vision
  • Employee Assistance Plan
  • International Medical
  • Short-Term Medical

  • Student Medical
  • Health Savings Accounts
  • Health Reimbursement Accounts
  • Excess Loss/Stop Loss
  • Medicare
Income Protection
  • Life/AD&D
  • Short Term Disability
  • Long Term Disability
  • Travel Accident
  • Long Term Care
Fringe Plans
  • Section 125 Premium Conversion
  • Flexible Spending Accounts (FSA)
  • Healthcare
  • Dependent Care
  • Transit
Executive Benefits
  • Life/AD&D
  • Long Term Disability
  • Long Term Care
  • Supplemental Medical Reimbursement
  • Financial Planning/Review
Voluntary Benefits/Employee-Paid
  • Life/AD&D
  • Disability
  • Accident
  • Group Legal
  • Critical Illness
  • Medical Gap Programs
    Pet Insurance
Executive Benefits
  • Life/AD&D
  • Long Term Disability
  • Long Term Care
  • Medical Reimbursement
  • Financial Planning/Review

Out-of-network services can be very expensive as deductibles and coinsurance costs to the claimant are usually significant.

Traveling outside the country puts an individual at risk to incur this type of expense. Our programs help to reduce your out-of-pocket liability in the event you need health services while traveling.

Blue Cross Blue Shield International Healthcare
Learn more visit GEO-BLUE.COM

Coverage Without Boundaries
Learn more visit IMGLOBAL.COM

Under Health reform, employers can reward employees of their firm that lead a healthy lifestyle.

Employee cost differential is allowed up to 30% even as much as 50% for nonsmokers. Regulations dicitate an employer must offer employees documented wellness programs to help them earn the employee cost reward.


In addition to traditional health insurance, we offer a robust lineup of financial products and services to cover our clients through all of life’s stages.

At Marcum Financial Services our mission is to help our clients achieve their own unique goals by managing their assets, preserving their wealth and building their financial legacies. We serve our clients using a consultative, team-based approach that examines all aspects of their financial lives. We put our clients’ interests above our own or those of our firm. Our objective as an organization is to make a direct financial impact on the lives of our clients and accomplish our mission profitably, while giving back to our community.


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