In May 2026, the IRS released Revenue Procedure 2026-24 announcing the 2027 health savings account (HSA) and high-deductible health plan (HDHP) limits. The IRS adjusts these limits annually for inflation and are released by June 1st. These limits include: Maximum HSA contribution limits Minimum HDHP deductible amounts Maximum HDHP out-of-pocket …
Managing an employee’s leave of absence involves more than approving time away from work. Employers must also navigate important compliance requirements surrounding health plan coverage, premium collection, and employee communication throughout the leave process. Understanding these responsibilities can help reduce compliance risks while creating a better experience for your employees. …
Open enrollment can be a time-consuming process, and employees who miss the open enrollment period may be unable to make benefit changes until the next plan year, unless they experience a qualifying life event or another permitted enrollment opportunity. Notably, passive enrollment can be an effective option for employers whose …
Healthcare costs continue to rise, and one of the biggest drivers is the growing prevalence of chronic health conditions. According to the Centers for Disease Control and Prevention (CDC), nearly 90% of the nation’s annual healthcare spending is tied to individuals living with chronic physical and mental health conditions. As …
Choosing the right pharmacy for your prescription drug benefits is an important part of managing your healthcare costs, medication access, and overall wellness. From cost savings to convenience and personalized care, pharmacies play a significant role in helping you remain on track with your medications.   This guide explains the different types of pharmacies, factors to consider …
A memorandum issued by the Office of Management and Budget (OMB) to federal agencies states that the U.S. Department of Labor (DOL) will not increase civil penalties for 2026. Federal agencies, including the DOL, are generally required by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015 to adjust civil monetary penalties annually by January 15 …
With rising healthcare costs, it is important to effectively manage spending. From improving healthcare literacy to maximizing savings accounts, such as health savings accounts (HSAs) and flexible spending accounts (FSAs), there are a variety of methods that can help you take control of your healthcare expenses and protect your financial well-being. Improve Your Healthcare Literacy Strong healthcare …
High-Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs) are typically great options for healthy, single adults looking to save money. However, this option can also be useful for those who can afford to pay medical bills up to their out-of-pocket maximum (OOPM) and can contribute the maximum amount to their HSAs annually.   Example  For example, the Smiths are a highly …
Take charge of your oral health with dental insurance. From treating toothaches and tooth decay to addressing bad breath and dry mouth, dental care costs can add up quickly. With dental insurance coverage, you pay a premium in exchange for benefits that help offset the cost of preventive dental care, diagnostic services, and major dental procedures. Example Scenario: All dental insurance plans have different rates and levels of dental coverage, but let’s look at an …
Group Disability Insurance offers significant advantages for both employees and employers. Employees gain peace of mind knowing income replacement benefits are available if they become unable to work due to illness or injury. Simultaneously, employers benefit from insurer-provided resources that help manage productivity losses, employee recovery, and develop effective return-to-work strategies. Employer-Sponsored Disability For most employees, a lengthy period of disability can be financially devastating. Employers can help …
History Nancy Wisner joined Creative Benefits, Inc. through a personal connection with the organization’s founder, Ruth Graham. Ruth recognized Nancy’s strengths and abilities and offered her a job opportunity at Creative Benefits. That opportunity became the foundation for a remarkable career. Today, with 37 years of dedicated service and counting, …
History Ten years ago, Malorie McLaughlin relocated to Northeastern Pennsylvania with her family and entered into the health insurance industry with a desire to build a meaningful and long-term career. With a decade of experience teaching special education in New York, Malorie came to Creative Benefits, Inc. with a unique …
History Charmaine Harrison-Tummings joined Creative Benefits, Inc. in 2005 after seeking a new opportunity within the health insurance industry. Having previously worked alongside the firm as a client, she was already familiar with its service approach and culture. From the start, her experience and perspective stood out. What began as …
History Brenda Barthelmess joined Creative Benefits in 1994 after responding to a newspaper job posting. What began as an unexpected opportunity grew into a long and impactful career. Today, she serves as one of the organization’s most experienced Account Managers and a trusted resource to colleagues across the company. …
The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025. While simplified from earlier drafts, the OBBBA legislation introduces sweeping changes to employee benefit plans, with most provisions taking effect in 2026. Employers should begin preparing now to ensure compliance and maximize benefit opportunities.  Health Savings Accounts (HSAs)  The OBBBA expands access to …
