Health care costs in the United States continue to rise, increasing pressure on both employers and employees. Organizations that provide health benefits must balance growing expenses with transparency and trust from their workforce. Clear, compassionate communication is key to helping employees understand and navigate these rising costs. Consider these strategies: Employers have a unique opportunity…
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…
In our increasingly busy world, employee expectations are accelerating faster than ever before. A five-year-old benefits strategy simply cannot meet the complex, constant pressures workers face in 2026—be it financial stress, burnout, or caregiving responsibilities. The modern workforce is rejecting generic menus in favor of flexibility, strong financial support, and wellness options that align with…
A Health Savings Account (HSA) is a tax-advantaged savings account designed to help you pay for healthcare expenses. It offers valuable benefits now and in the future — from lowering your current healthcare costs to building long-term savings for retirement. 2026 Contribution Limits: All HSA transactions must go toward Qualified Medical Expenses (QMEs) as defined by the…
The Internal Revenue Service (IRS) has issued Notice 2025-61, announcing a significant increase to the Patient-Centered Outcomes Research Institute (PCORI) fee amount. Employers with self-insured health plans and health insurance issuers must take note of the new rate and upcoming compliance deadlines. What is the New PCORI Fee Amount? The PCORI fee is increasing to…
The U.S. Department of Health and Human Services (HHS) has issued a final rule that requires covered entities—including many health plans—to update their Notice of Privacy Practices (Privacy Notice). This change enhances privacy protections for highly sensitive Substance Use Disorder (SUD) treatment records. Why the Update is Necessary The HIPAA Privacy Rule already mandates that…
Employers with insured health plans may have received a Medical Loss Ratio (MLR) rebate from their health insurance carrier this year. Rebates were required for plans not meeting the 2024 MLR standards and had to be issued by September 30, 2025, either as premium credits or lump-sum payments. If any part of the rebate qualifies…
The transition into winter and the busy holiday season often brings two things: cold weather and packed calendars. While the shorter days and festive cheer are welcome, they also present unique challenges to our health, including managing stress, fighting off seasonal illnesses, and maintaining an active routine. Staying healthy this winter isn’t about grand gestures;…
The phrase “attitude of gratitude” is more than a simple rhyme—it’s a powerful reminder to intentionally practice thankfulness in our daily lives. Consistently acknowledging what we appreciate not only enhances our own mental and physical health but also positively affects those around us. What Is Gratitude? Gratitude means being thankful and ready to show appreciation…
