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Terriann Procida
Founding Partner, Innovative Benefit Planning, LLC, a UBA Partner Firm

Terriann Procida

Terriann Procida is a founding partner of the employee benefits firm, Innovative Benefit Planning, LLC, and has more than 25 years’ experience in the insurance industry, providing employee benefit services to business owners and executives nationally. Her experience working with diverse businesses throughout the region has helped Terriann to identify key challenges that employers face. As a business owner herself, Terriann brings a valued perspective when assisting her clients in their benefit decisions. She has received many accolades from her clients and colleagues over the years, including Samaritan Healthcare & Hospice's "Circle of Excellence Award." Terriann is also a member of Vistage International.

In her spare time, Terriann immerses herself in many professional and volunteer activities, including serving on the Samaritan Healthcare & Hospice gala committee. She is a well-known speaker on topics of healthcare reform and the Patient Protection and Affordable Care Act, and was chosen to speak at Tri-State Human Resource Management’s 27th Annual Conference.

Josie Martinez, J.D.
Senior Partner and General Counsel, EBS, a UBA Partner Firm

Josie Martinez

Josie Martinez specializes in advising employers on legal and compliance matters that arise relating to ERISA, COBRA, HIPAA, and other employee benefits related issues, as well as consulting on health and welfare plans. As an attorney for the past 19 years, Josie brings a breadth of experience as an advisor on risk assessment, business strategies, contract negotiations, government investigations, and regulatory compliance.

Josie received her Juris Doctor (J.D.) at Northeastern University School of Law and a bachelor’s degree from Boston College. She currently serves on the Compliance Committee for United Benefit Advisors (UBA) and the Board of The Boston Home and the Association of Latino Professionals in Finance and Accounting (ALPFA-Law).


UBA has experts available on the most relevant topics, including:

  • Health care reform
  • ACA
  • Insurance exchanges
  • Retirement
  • Wellness plans
  • Self funding
  • Changing role of brokers

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Media Coverage

Access to Healthcare Services—Final rule eyes equity and an end to discrimination in heatlh care

Previous civil rights laws enforced by the HHS Office for Civil Rights (OCR) prohibited health care related discrimination based on race, color, national origin, disability, or age. Section 1557 of the ACA added sex to that list. Although Sec. 1557 has been in effect since the enactment of the ACA, the Final rule implements the statutory section and clarifies the outlines of the nondiscrimination policy. Danielle Capilla, Chief Compliance Offcer at United Benefit Advisors, explained that the rule "further clarifies a grey area, and provides teeth and specificity to poorly understood or enforced rules."

Wednesday, May 18, 2016/Number of views (1351)/
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11 Things Busy Entrepreneurs Need to Know

#8 Choosing the Best Health Plans

One of the hardest responsibilities small business owners have is selecting the best health care plan for their employees. To gain some insight, take a look at the latest findings from the United Benefit Advisors Health Plan Survey, the nation’s most comprehensive health plan survey, related to how Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) are being used by businesses.

Monday, March 21, 2016/Number of views (1297)/
Categories: SmallBizDaily

Survey: HSA popularity rising, but employer contributions falling

When it comes to employer-sponsored health savings accounts (HSA), enrollment is increasing but employer contributions, on average, are stagnant or decreasing, according to a recent survey.

Thursday, March 17, 2016/Number of views (1170)/
Categories: HR Dive

Enrollment in HSAs Increasing, While Employer Contributions Fall

The looming Cadillac tax is making some companies more cautious when it comes to contributing to workers’ health savings accounts.

Sunday, March 13, 2016/Number of views (1048)/

Are You Ready for an Exchange?

Employer-provided health care, a popular component of employees’ overall compensation program, has been a constant since the early 1940s, a result of a tax break provided to labor groups during the post-World War II economic recovery. What once was considered a “benefit” used to attract and retain employees has developed into a basic expectation, a very expensive and somewhat uncontrollable expectation.

Thursday, March 10, 2016/Number of views (1327)/
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