RAMHIC Offerings for 2026

Click image above to view a BCBS produced informational video on the power of the RAM/BCBS Cooperative. 

Please see our brochure for more detail on the expanded benefit package.  Specific information regarding each benefit may be found below: 

• Life, Accident & Hospital Benefits provided by USAble Life
• Employee Assistance Program provided by Lucet for mental health and substance abuse counseling
• Blue 20/20 Vision Benefit
• Waived Fees for Health Equity Personal Spending Accounts (available at renewal)
• A 1% year end employer wellness reward

For more information please visit the RAMHIC page of our website. 

RAM Applauds MA House Passage
of Energy Affordability Bill

Last week at the State House, the MA House of Representatives debated and passed H.5175, An Act relative to energy affordability, clean power and economic competitiveness, a significant bill to address energy affordability in the Commonwealth.  The bill cuts $1 billion from the Mass Save program, a well-intentioned program but one that has ballooned over the years, funded by assessments on ratepayers, to become the primary tool in financing the state’s decarbonization efforts.  The bill also returns 70% of alternative compliance payments (ACPs) to ratepayers over three years, expands clean energy procurement authority, and reduces barriers to possible future nuclear development. 
 
House leadership estimated the reforms will save ratepayers roughly $3 billion in the coming years.  RAM thanks and congratulates the House for their committed focus on energy affordability, noting that the bill directly confronts our energy affordability challenges and will lower costs for our small businesses, consumers, and families struggling with rising utility bills. 
 
While more work lies ahead, last week’s action was a significant and important step forward.  The bill now moves to the Senate.

 MA Senate Advances Small Business

Unit Pricing Exemption Bill

In the Senate, RAM supported legislation was unanimously approved to update the state’s Unit Pricing small business exemption.  S.2978, An Act updating the unit pricing exemption threshold, carves out gift cards and lottery products from the calculation of total gross sales, allowing more small operators to qualify for the exemption under the existing $5 million sales threshold.  The bill also adds “motor fuels” to the exempt list as well, codifying in statute the existing exemption on gasoline, which currently relies on an “in-store sales” interpretation. 
 
This action to update our unit pricing law’s small business exemption provides important cost relief to vital community partners – small, neighborhood markets and convenience stores.  RAM applauds the Senate for their leadership on this issue.  The bill now moves to the House.

Learn about RAM’s Retirement Plan Solution

• Removing day-to-day administration
• Eliminate costly annual audit
• Outsource legal fiduciary responsibility to third parties

Like our workers compensation, health insurance, credit card and energy cooperative purchasing programs, our Multiple Employer Plan 401K plan is designed to save our members administrative costs, and to provide workforce recruitment and retention benefits to make you more competitive in our industry and in your community.  Authorized under federal law, this plan is offered by state retail associations in more than 20 states, with RAM member participation leading all the states.  Do yourself, your family, and your workforces a favor by learning more about this important member benefit

All considered, there has never been a better time to start a retirement plan!

Please join us on March 24 for a webinar to learn more about these tax credits and the advantages of our Multiple Employer 401k plan.

Click on the link below to register:
Tuesday, March 24 at noon