5 minute read

Deductibles and out-of-pocket maximums (OOPMs) are key cost-sharing elements in health plans. A deductible is the annual amount you pay before your plan covers expenses, while an OOPM...

2 minute read

Employers are increasingly using tobacco surcharges on health insurance premiums to manage costs and encourage healthier lifestyles. While these surcharges are allowed under compliant...

1.5 minute read

On February 25, 2025, President Donald Trump signed an executive order (EO) called Making America Healthy Again by Empowering Patients with Clear, Accurate, and Actionable Healthcare...

3.5 minute read

Employers should note key compliance issues affecting 2025 health plans. These include new ACA reporting requirements, anticipated health care transparency rules, and potential shifts...

1 minute read

The Patient Experience Survey by Pharmaceutical Research and Manufacturers of America shows that 51% of insured Americans are unsure about their prescription costs, and 38% are facing...

1.5 minute read

The IRS has issued a private letter ruling (No. 202434006) that approves an employer's program allowing employees to allocate employer contributions to various benefits. A Private...

1 minute read

In Compliance Assistance Release No. 2024-01, the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) has reaffirmed that their April 2021 cybersecurity...

2 minute read

On June 21, 2024, the 5th U.S. Circuit Court of Appeals ruled a key component of the Affordable Care Act's (ACA) preventive care mandate unconstitutional. The ruling applies only to a...

1 minute read

On May 31, 2024, the U.S. Department of Health and Human Services’ (HHS) Office for Civil Rights (OCR) updated its FAQs regarding HIPAA and the recent cybersecurity incident involving...

1.5 minute read

The U.S. Department of Health and Human Services’ (HHS) Office of Civil Rights (OCR) issued a final rule under Section 1557 of the Affordable Care Act. It prohibits discrimination...