ACA, From the Beginning: The Rules Your Clients Inherited

On October 13, 2026

Over a decade into the ACA employer mandate, the same mistakes keep resurfacing. Read this refresher to walk through the key rules, common missteps and access a ready-to-use client action checklist.

On October 5, 2026

HIPAA's "minimum necessary" standard requires brokers to share only the PHI actually needed for the task at hand, and getting it wrong can turn a small misstep into a reportable breach

On August 24, 2026

Offering employees cash to waive group health coverage sounds simple. In practice, it’s one of the more legally complex plan design decisions an employer can make. Medical opt-out payments — sometimes called “cash in lieu of benefits” — are a legitimate strategy for employers looking to reduce premium spend while giving employees flexibility. But the […]

On July 28, 2026

The IRS has released the 2027 ACA affordability percentage: 10.22%, continuing the upward trend we’ve seen in recent years.

On July 1, 2026

Under the ACA, all medical plans are responsible for paying the Patient-Centered Outcomes Research Institute (PCORI or PCOR) fees to the IRS, based on the average number of plan participants in the reporting plan year. If the medical plan is insured, the insurance carrier pays the fee on behalf of the policyholder. If the medical plan […]

On June 24, 2026

A new federal court ruling came out of a 401(k) lawsuit, but the lesson is one every benefits broker should bring to their health and welfare clients. The case in one line: “Sometimes, even a good process produces disappointing results.”

On April 21, 2026

On April 14, 2026, the Employee Benefits Security Administration (EBSA), part of the U.S. Department of Labor, issued a memorandum outlining its updated enforcement priorities and guiding principles. These principles aim to ensure that the agency’s approach to enforcement remains “fair, balanced, responsive, and focused.” Notably, the agency is shifting its focus toward violations related […]

On April 7, 2026

On March 26, 2026, President Donald Trump issued an executive order (EO) titled “Addressing DEI Discrimination by Federal Contractors,” which will require all federal contracts and similar instruments to include a clause prohibiting federal contractors from engaging in racially discriminatory diversity, equity, and inclusion (DEI) activities. The Trump administration also issued a fact sheet regarding the EO. […]

On March 31, 2026

Workplace wellness initiatives commonly use incentives or rewards to encourage healthier behaviors and reduce habits that may negatively affect employees’ well-being. When a wellness program is connected to a group health plan, it must follow the nondiscrimination requirements established under HIPAA. These rules permit employers to offer incentives, if the program adheres to specific conditions. […]

On March 25, 2026

As the year moves forward, employers sponsoring group health plans should review upcoming midyear compliance responsibilities. Various federal laws—including ERISA, COBRA, and the No Surprises Act—require certain reports and participant disclosures during the spring and summer. Staying on top of these obligations helps avoid penalties and ensures employees receive required information on time. Summary Plan […]

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ACA, From the Beginning: The Rules Your Clients Inherited

Less Is More: What “Minimum Necessary” Really Means Under HIPAA

Medical Opt-Out Payments: A Useful Tool With Real Compliance Strings Attached

2027 ACA Affordability Threshold Increases to 10.22%

PCORI Fees for Self-Insured Medical Plans

Process Beats Performance: What a 401(k) Win Means for Your Benefits Clients

EBSA Announces New Enforcement Priorities and Principles for Employee Benefit Plans

Executive Order Addresses DEI Discrimination by Federal Contractors

Wellness Programs Compliance Overview

Midyear Compliance: Important Disclosure Deadlines for Group Health Plans