By joining you gain access to exclusive, money saving discounts on services and programs, legislative updates and advocacy as well as valuable educational opportunities. We aim to help you grow and protect your business, promote the retail industry and save your business money.

2020 Health Insurance Renewals

Assisting Main Street businesses reduce health care costs is a priority for RAM.  Our small employers are beginning to receive their 2020 health insurance renewal information.  As we work with the Legislature and the Administration to address the rising costs, RAM requests that members take a few minutes to provide us their 2020 premium information. This short annual survey will only take a few minutes to complete.   

When you have receive your 2020 renewal information please share it (confidentially) with us.

Click here for survey.


RAM members receive 3% savings

on health insurance premiums

Over the past three decades, RAM’s MA Retail Merchants Workers Compensation Group has saved our members $129 million in premium.  To provide members a similar solution for the rising cost of health insurance, RAM has been hard at work establishing the RAM Health Insurance Cooperative (RAMHIC).  Having secured a deeper upfront premium discount and expanded plan options, we are confident that our 2020 RAMHIC offering will help save you money on your health insurance.

We are pleased to announce that starting January 1, 2020 premium rates on all health insurance plans offered through RAMHIC will come with an upfront discount of 3% for both renewals and new participating members.  This represents a projected annual average savings of nearly $3,000 per participating business.  

Information from our carriers has been mailed to members.  Click here to view full mailing.

Click here to visit RAMHIC page for more information.



Merged Market Advisory Council

Governor Charlie Baker in January appointed RAM President Jon Hurst and RAM Officer and member Wendy Hudson to the Merged Market Advisory Council.  The 13 member Council is tasked to study and report back to the Governor by the end of April recommendations on what to do about unfair cross subsidies and other market disruptions affecting small business health insurance premiums.  The Commissioner of Insurance Gary Anderson chairs the Council.

Click to learn more about Council and upcoming listening sessions.

"Real Time" Collections Can Hurt Small Business

Sales tax is a part of life in Massachusetts. Consumers have to pay it, and sellers have to collect it. In his recently filed budget, Gov. Charlie Baker has proposed some significant changes to the state’s process for how sales, meals, room occupancy and marijuana taxes would be collected. Parts of the proposal make sense, others not so much.
The first component of the governor’s plan would require businesses with $100,000 or more in annual sales tax collections to remit a faster timeline – described as the 20th of same month instead of the current system where sales taxes are not due until the 20th of the following month.
Step two of the plan would also require businesses above the $100,000 threshold to radically alter their payment and transaction processing system – but only for debit and credit card transactions. The proposal, known as “Real Time” or daily sales tax remittance, would require third party processors of credit and debit cards to remit the tax on all credit and debit sales on a daily basis starting in 2023.
Click here to read full article.

Gov. Baker Files $44.6B State Budget:

Proposes “Real Time” Sales Tax Collections & Lottery Sales on Debit Cards

On January 22nd, Gov. Charlie Baker filed his FY21 state budget proposal (H.2), a $44.6 billion spending plan that marks the first step in a long budget process that will play out in the Legislature over the next several months.

As we expected and for the fourth year in a row, the Governor’s budget includes a sales tax modernization proposal, making changes to the state’s sales tax collection and remittance process.  The proposal this year is a return to “Real Time” or daily remittance, requiring third party processors of credit/debit transactions to remit to the Commonwealth, on a daily basis, the portion of a sale that is attributable to sales tax, with an effective date of July 1, 2023.  Click here to continue reading this update.

Click here to take action!!

Wednesday, March 18, 2020

DCU center, Worcester MA

Please join the six New England Retail Associations as we bring Loss Prevention, Security, Risk Managers and Solutions Partners together with law enforcement, prosecutors and policy makers to learn more about how to keep our stores, employees, and customers safe and secure. There are many things to consider when protecting the profitability of a retail business. The New England Loss Prevention Expo strives to propagate an environment where learning, preparedness and networking arm us all with the tools to combat those crimes.

2020 Agenda ~ click here.

Visit conference site.