It's time to raise your expectations.

We put your future in focus by visualizing your data, identifying trends, and giving you actionable insight.

Get a Glimpse into the Future

Your data tells the story of your business. As MJ’s proprietary analytics tool, APERTURE can help bring your data into focus so you can understand the past—and forecast what’s to come.

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WHAT WE DO

Risk Management

Optimizing your risk management strategy is a crucial part of achieving your business goals. Our team can get you there.

Analytics Risk Services Risk Transfer Claims Consulting Advocacy

MJ BENEFITS+

Our Benefits+ programs are designed to go beyond standard solutions, providing a comprehensive and fully customized approach to employee benefits consulting that prioritizes the health, happiness, and success of your employees.

Benefits Consulting Compensation + Total Rewards Consulting Retirement Consulting Leave + Absence Management

PERSONAL INSURANCE

Personal insurance can be in impersonal business, but not at MJ. We work hard to help you plan for the future and protect what matters most.

Personal Insurance

Why MJ

Driven by passion.

Inspired through leadership.

Fueled by curiosity.

Pushed by determination.

Empowered by innovation.

Focused on fun.

The State of Leave: Key Updates Across States and the Nation

February 19, 2026, 12:00 PM ET

As we look at 2026 and beyond, the state leave law landscape continues to evolve at a rapid, unprecedented pace, showing no signs of slowing down. The pressure is on for organizations to remain in compliance. Join us for a live webinar where our team of experts will help you navigate changes to the current leave laws and the new leaves laws for 2027. Additionally, we discuss the leave landscape at the federal level.

ERISA Fiduciary Duties

February 19, 2026, 3:00 PM ET

Join us for an in-depth session on ERISA fiduciary duties for health and welfare plans, designed to help employers understand their obligations as plan sponsors. We’ll review key ERISA requirements, highlight common compliance pitfalls, and share practical best practices to minimize fiduciary risk.

Through the MagiPhy Glass: Clear Perspectives on Pharmacy, Session 1

March 4, 2026, 12:00 PM ET

Join us at our quarterly Through the MagniPhy Glass webinar as we bring you all the latest insights designed to keep you informed, engaged, and part of the conversation as it relates to your pharmacy program. In this session, we will unpack the volatility in the pharmacy landscape, and discuss the impact of TrumpRx to the rise of direct-to-consumer pharmacy models.

Navigating Employer-Sponsored Coverage & Medicare

March 19, 2026, 3:00 PM ET

Join us for a practical session on how Medicare interacts with employer-sponsored health plans—an increasingly important topic as more employees continue working past age 65. We’ll break down eligibility and enrollment timing for Medicare Parts A, B, and D, clarify how Medicare Secondary Payer (MSP) rules impact group plan coordination, and highlight key considerations such as HSA eligibility, COBRA timing, and employer premium reimbursements. Understanding these rules is essential for employers evaluating benefit offerings and for employees choosing the coverage option that best fits their needs.

Indiana Swerve: Redirecting the Benefits Conversation

April 30, 2026, 1:00 PM–4:30 PM ET

Join us for an exclusive seminar designed for forward-thinking HR executives who are ready to reimagine and redirect the benefits conversation. This annual half-day seminar is designed to provide you with fresh perspectives on the critical topics shaping the future of employee benefits and HR, including AI, retirement, total rewards, and healthcare.

Colorado Swerve: Redirecting the Benefits Conversation

May 5, 2026, 1:00–4:30 PM MT

Join us for an exclusive seminar designed for forward-thinking HR executives who are ready to reimagine and redirect the benefits conversation at The Legacy at the National Western, a venue designed to honor Denver’s western heritage and embrace community-driven ideas. This annual half-day seminar is designed to provide you with fresh perspectives on the critical topics shaping the future of employee benefits and HR, including AI, retirement, total rewards, and healthcare.

Arizona Swerve: Redirecting the Benefits Conversation

May 7, 2026, 8:30 AM–12:00 PM MT

Join us for an exclusive seminar designed for forward-thinking HR executives who are ready to reimagine and redirect the benefits conversation. Hosted at the home of the Arizona Diamondbacks, Chase Field, this event offers a rare opportunity to experience an exclusive venue while diving into the latest trends and challenges in HR, including AI, retirement, total rewards, and healthcare.

Through the MagiPhy Glass: Clear Perspectives on Pharmacy, Session 2

June 3, 2026, 12:00 PM ET

The MJ Companies’ Through the MagniPhy Glass: Clear Perspectives on Pharmacy tackles the volatile and ever-changing landscape of pharmacy. Each session, delivered quarterly to you, brings you a new challenge that MJ is keeping tabs on within pharmacy, such as drug-pricing models, increasing regulatory pressure, and rapid market change. The topics for the next session will be announced soon. We are working diligently to provide you with the most relevant and timely insights that impact you.

Future in Focus: 2027 Economic Outlook

June 24, 2026, 2:00 PM–4:30 PM ET

2026 and beyond will present opportunities and challenges to business leaders. Inflation and interest rates will return on the wings of government spending, a tightening labor market, global demand, and higher-cost production inputs from raw materials to electricity. We will discuss the timing and the actions to take to get your company ready for the next few years and the rest of the decade. Get the knowledge and insights you need to thrive in today’s uncertain economic climate. Virtual registration is available if you are unable to make it in-person.

The Stop-Loss Landscape: Trends and What’s Ahead

July 23, 2026, 3:00 PM ET

With continued economic uncertainty and rising healthcare costs, the stop-loss market is under more pressure than ever. Employers are facing tighter underwriting, higher claim severity, and less room for error. Join us for a timely discussion on the current stop-loss landscape, where we’ll share a clear market outlook, break down what’s driving today’s pricing and trends, and highlight best practices employers are using to manage risk and control costs.

Through the MagiPhy Glass: Clear Perspectives on Pharmacy, Session 3

November 4, 2026, 12:00 PM ET

Let’s take a look back at 2026. In this session, the MJ MagniPhy team will break down major pricing and utilization trends, regulatory updates, and market shifts impacting employer-sponsored pharmacy programs. Attendees will gain clarity on what mattered most, what signals to watch going forward, and how to adjust strategies to stay ahead. This annual review equips employers with the insights needed to evaluate current performance, refine their pharmacy strategy, and confidently plan for the year ahead with a clearer, more informed perspective.

What’s On Our Minds

Risk Management

PUBLISHED January 29th, 2026

Fatigue Risks in Cold Conditions

The MJ Companies

Cold weather does more than make working conditions uncomfortable; it can also lead to fatigue and reduced alertness and responsiveness in employees, increasing the …

MJ Foundation

PUBLISHED January 20th, 2026

Indiana Wish Brings “Hope in the Midst of Hardship”

Britni Shrout

For Melissa, a young woman with obstructive hydrocephalus, getting to work with a veterinarian at the Indianapolis Zoo, ride horses at Blue Ridge Farm, …

Compensation and Total Rewards

PUBLISHED January 13th, 2026

How to Respond When An Employee Prompts an AI Pay Discussion

Julie Bingham

“Hey Chat, please summarize this meeting.” Harmless, right? (And for this scenario, let’s assume it’s on the company’s secure AI bot.) “Hey Chat, what’s …

News and Updates

PUBLISHED January 12th, 2026

The MJ Foundation Awards Record Grant Funding to Nonprofits in Indianapolis, Phoenix, Denver, and Nashville

The MJ Companies

INDIANAPOLIS (Jan. 12, 2026) – The MJ Charitable Foundation (the MJ Foundation), has awarded grants to nonprofits in the Indianapolis, Phoenix, Denver and Nashville …

Benefits+

PUBLISHED January 9th, 2026

Upcoming ACA Reporting Deadlines

DeAnn Deck

Employers subject to Affordable Care Act (ACA) reporting under Internal Revenue Code Sections 6055 or 6056 should prepare to comply with reporting deadlines in …

News and Updates

PUBLISHED January 6th, 2026

The MJ Companies Welcomes Kyle Sullivan to its Colorado Analytics Team

The MJ Companies

DENVER, January 6, 2026 — The MJ Companies, a leading financial services firm serving clients for over 60 years, announced the addition of Kyle …

Benefits+

PUBLISHED December 29th, 2025

DEADLINE FOR SUBMITTING GAG CLAUSE ATTESTATION IS DEC. 31, 2025

DeAnn Deck

Federal law prohibits group health plans and health insurance issuers from entering into contracts with health care providers, third-party administrators (TPAs) or other service …

Benefits+

PUBLISHED December 26th, 2025

ERISA Fiduciary Breach Claims in J&J Lawsuit Dismissed Again

DeAnn Deck

The U.S. District Court for the District of New Jersey has once again dismissed a class-action lawsuit filed against Johnson & Johnson (J&J), which …

MJ Foundation

PUBLISHED December 23rd, 2025

Denver Dream Center Helps Vulnerable Residents Build Strong Foundations

Britni Shrout

Maybe 33 years ago you were figuring out your first computer. Maybe you were a newborn. Chances are you’re a lot different today than …

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contact us

Indianapolis

Location

571 Monon Blvd., Suite 400,
Carmel, IN 46032

Telephone: (317) 805-7500
Fax: (317) 805-7515

Phoenix

Location

2525 E. Camelback Rd., Suite 1150,
Phoenix, AZ 85016

Telephone: (602) 772-3300
Fax: (602) 772-3349

Denver

Location

44 Cook St., Suite 700
Denver, CO 80206

Telephone: (720) 354-3861
Fax: (317) 805-7515

Nashville

Location

21 Platform Way S, 14th Floor
Nashville, TN 37203

Telephone: (615) 942-0968
Fax: (317) 805-7515