If your company provides an employee benefit plan governed by the Employee Retirement Income Security Act (ERISA), you are likely obligated to file Form 5500. This annual report discloses key details about your organization’s benefit offerings, such as welfare benefit plans (including medical, dental, life, and disability coverage), retirement plans, fully insured plans, and self-funded [...]
Choosing a health insurance plan can feel a lot like solving a puzzle—there are many moving pieces, and the best fit depends on how they come together for your unique situation. With so many options and acronyms—HMO, PPO, POS, EPO, HDHP—it’s easy to feel unsure about where to start. This guide breaks down the most [...]
Your health insurance ID card is much more than proof of coverage—it’s your passport to care. It helps you access medical services, verify benefits, and ensure your providers bill correctly. But with so many numbers, abbreviations, and plan details, it’s easy to feel unsure about what everything means. Whether you’re heading to a routine checkup [...]
On January 29, 2026, the U.S. Department of Health and Human Services (HHS) officially released the maximum cost-sharing limits for the 2027 plan year. These figures represent a significant 13.2% increase over the 2026 limits, marking a substantial shift in potential out-of-pocket expenses for plan participants. 2027 Maximum Out-of-Pocket Limits For 2027, the maximum annual [...]
Modern employees expect more from their employers than just standard health benefits. We have entered a new era of wellness defined by personalization, priority, and purpose. Driven largely by younger generations entering the workforce, wellness has transitioned from a fringe "perk" to a core business strategy. In 2026, forward-thinking organizations are expanding their support systems [...]
Employers must prepare for Affordable Care Act (ACA) reporting covering the 2025 calendar year. Staying ahead of these deadlines is critical for Applicable Large Employers (ALEs) and providers of self-insured health plans. Who is Required to Report? Reporting obligations under Internal Revenue Code Sections 6055 and 6056 fall into two main categories: Self-Insured Health Plan [...]
Offering voluntary benefits is an excellent way to strengthen your overall benefits package, stand out from competitors, and enhance employee satisfaction—all with minimal impact on your budget. However, while employers often provide a wide range of voluntary benefits designed to offer value and convenience, many employees may not fully understand what these benefits are or [...]
February is often filled with symbols of love, but it’s also the perfect time to focus on the most important heart of all—your own. American Heart Month serves as a vital reminder that cardiovascular health is the foundation of a long, vibrant life. Heart disease remains a leading health challenge globally, but the good [...]
The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025, introducing significant updates to Health Savings Accounts (HSAs). Following this, the IRS released Notice 2026-5 to provide specific guidance on how these changes expand HSA eligibility and usage. The OBBBA broadens HSA availability through the following key provisions: 1. Permanent [...]
Employee training is a critical component of a productive, inclusive, and efficient workforce. Whether you’re building a training program from the ground up or refining your current approach, knowing which topics to cover is a crucial first step. In this post, we’ll explore essential training topics as a foundation for an effective, adaptable program, ready [...]
