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 …
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 …
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 …
On January 15, 2026, the Employee Benefits Security Administration (EBSA) released updates to its national enforcement projects for fiscal year 2026. EBSA stated that these projects highlight areas the agency will prioritize in its enforcement efforts to: Enhance employee benefit plan compliance, address abusive practices, and strengthen protections for plan participants and beneficiaries. Background EBSA is the organization within the U.S. Department …
On December 19th, 2025, the U.S. Departments of Labor, Health and Human Services, and the Treasury (Departments) released a proposed rule to enhance health plan price transparency requirements for non-grandfathered group health plans and health insurance issuers. According to the Departments, the proposal builds on the 2020 health care transparency final rule, aligning with President Donald Trump’s executive order …
The Delaware Division of Paid Leave has released final regulations for Delaware’s Paid Family and Medical Leave program (PFML), effective January 1, 2026. The regulations update prior rules to provide new definitions of “application year” and “employee” under the program, guidance for self-insured employers, and modifications to information collected by …
As the year winds down, employers must continue prioritizing employee benefits compliance and end-of-year benefits planning. The final months of the year are critical to confirm that all 2025 employee benefits requirements have been completed before year-end. There are numerous employer compliance requirements throughout the year, and taking time to review them …
Employers with insured group health plans may have received a Medical Loss Ratio (MLR) rebate from their health insurers earlier this year. As compliance deadlines approach, employers need to understand how these rebates must be handled under ACA and ERISA rules. Why do Employers receive the MLR rebate? Under the Affordable Care Act (ACA), health insurers are required to spend a minimum percentage of their …
The Affordable Care Act established a system, known as the premium tax credit (PTC), to assist eligible individuals and families with low to moderate incomes to afford health insurance purchased through the Exchange. Congress temporarily enhanced the PTC during the COVID-19 pandemic by eliminating the income cap for eligibility and increasing the …
President Donald Trump has announced a 100% tariff on patented pharmaceutical products produced outside the U.S., effective October 1, 2025. Here’s what you need to know: Pharmaceutical Expansion President Donald Trump has stated that facilities that are building manufacturing facilities in the U.S. will not be subject to this new …
Within the next few months, a decision is expected to be made regarding the constitutionality of the Affordable Care Act’s (ACA) preventive care mandate. The ACA requires that non-grandfathered health plan and issuers cover preventive services. Preventive services include screening tests, immunizations, behavioral counseling, and medications that can prevent the …
The Centers for Disease Control and Prevention (CDC) announced on March 1, 2024, that COVID-19 guidelines are being loosened due to better virus risk management and fewer COVID-19-related hospitalizations and deaths. While individuals were previously asked to isolate for 5 days when diagnosed with COVID-19, now the CDC states that …
The Biden Administration recently approved $1.2 billion in student debt cancellation for about 153,000 borrowers who are enrolled in Saving on a Valuable Education (SAVE) repayment plans. SAVE is an income-driven program that determines a borrower’s monthly payment based on their income in an effort to lower financial hardship. Borrowers …
Black History Month was created around a century ago to recognize Black men and women and their countless contributions to society. This federally recognized celebration has become one of the most celebrated cultural heritage months according to a professor of social studies education. Focusing on DEI in the Workplace This …
Due to rising COVID-19 infection rates, the U.S. Department of Health and Human Services (HHS) announced that as of September 25, 2023, free COVID-19 rapid tests are once again available to the public. In the past, the government shipped over 755 million tests, but the program paused in May of …
