Increasing deductibles and law mandates are making supplemental plans a good sell to employers and to the self-insured.

Health plans that violate Section 2713 could be subject to penalties of $100 per day per affected employee as long as the violation continues.

In terms of meeting compliance, the three organizations brokers need to satisfy are the IRS, DOL and HHS.

Despite the ruling, the case does not require all states and state officials to recognize same-sex marriages.