Stoudt AdvisorsWelcome to StoudtAdvisors

StoudtAdvisors is committed to being a trusted partner in the employee benefits arena. In these difficult economic times we continue to offer quality benefit choices at competitive rates. Our Hanover Area Chamber Healthcare Plan and the Susquehanna Healthcare Coalition each offer our clients discounted coverage options. Our extensive expertise with our private exchange,Bright Choices is a great solution for companies looking to managed their benefit budget while offering their employees more choices than ever before. So if you have 2 employees or 10,000 employees we have a solution for you.

We are passionate about cultivating long-term, meaningful relationships, by collaborating with our clients to plan, develop and implement a comprehensive, innovative benefits package that will maximize the health and well being of our client’s employees and its business. With over 200 years of combined knowledge in employee benefits, our staff is ready to put their experience to work for you.

We invite you to explore our website and discover the possibilities.

Focus E-Newsletter

Read our latest Focus e-newsletter, or view past Focus releases:


Winter 2013

  • All About Exchanges
  • Exploring Your Options
  • Tips for Making the Transition
Sound Advice
Education Seminars    Think Local

Employee Benefits

Federal Courts Issue Conflicting Rulings on Subsidies in Federal Exchanges

Several lawsuits have been filed that challenge the availability of insurance subsidies in states that did not establish their own Exchanges. On July 22, 2014, two federal appeals courts issued inconsistent rulings on the availability of subsidies in states with federally-facilitated exchanges (FFEs). This Health Care Reform Compliance Bulletin provides an overview of the court decisions and the potential impact on employers.

Supreme Court Rejects Contraceptive Mandate for Some Companies

The ACA requires non-grandfathered health plans to provide cost-free coverage for all FDA-approved contraceptive methods. Some closely held, for-profit companies challenged the ACA's contraceptive mandate on religious grounds. On June 30, 2014, the U.S. Supreme Court created an exception to the contraceptive mandate for certain closely held businesses with sincere religious objections. This document describes the Court's ruling and its impact on the contraceptive mandate.

Final Rule Released on ACA Waiting and Orientation Periods

The Affordable Care Act prohibits group health plans from applying any waiting period that exceeds 90 days beginning with the 2014 plan year. On June 23, 2014, final regulations were issued confirming one month as the maximum length of any "reasonable and bona fide employment-based orientation period" related to the waiting period limit. This Health Care Reform Bulletin outlines the waiting period and orientation period rules.

Navigate Uncharted Waters with an Experienced Crew

The passing of the Affordable Care Act has pushed employers to face a swiftly changing course in an ocean of different options. Fortunately, private exchanges such as Liazon's Bright Choices have sailed these seas before. View this video more how you can partner with StoudtAdvisors to navigate these uncharted waters. To see the entire infographic, click here.

Human Resource

Benefits Bulletin - 3rd quarter 2014

Benefits Bulletin is a quarterly newsletter that covers hot benefit topics in depth. This issue includes highlights from the 2014 Affordable Care Act Survey and details about the new COBRA guidance, employer payment plans and the SHOP exchange delay for employee choice.

DOL Proposes Rule to Expand FMLA Protections for Same-sex Spouses

On June 20, 2014, the DOL issued a proposed rule that would revise the definition of "spouse" under the FMLA. The revised definition would look to the law of the jurisdiction in which the marriage was entered into, as opposed to the law of the state in which the employee resides. This Compliance Bulletin provides an overview of the proposed rule.

Benefit Buzz

This month's Benefits Buzz provides an overview of the penalties for pre-tax contributions to employee individual health premiums, the new employer SHOP tools and the recently released FAQs addressing dependent coverage rules.


July Newsletter

This month's issue discusses road trip planning and safety, strength versus endurance exercise and debt repayment strategies.

Surviving the Summer Heat

This issue explores common heat-related issues and provides tips for staying cool in the summer.