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The middle of the year is an ideal time to evaluate benefits strategy and recalibrate plan design, vendor partnerships and cost-containment efforts to close out the year strong or prepare for the 2027 open enrollment season. As such, understanding the current state of the employee benefits market can help employers evaluate their offerings to best…

On July 21, 2026, the IRS released Revenue Procedure 2026-26 to index the contribution percentage in 2027 for determining the affordability of an employer's health plan under the Affordable Care Act (ACA). For plan years beginning in 2027, employer-sponsored coverage will be considered affordable under the ACA's "pay-or-play" rules if the employee's required contribution for…

A Trump Account is a tax-favored savings account for children under the age of 18. It works similarly to a retirement account but has special rules during what's called the "growth period," which lasts until the child reaches adulthood. During this time, contributions grow tax-deferred, and withdrawals are generally not permitted, except in a few…

Medicare Part D creditable coverage is an important concept for employees to understand, regardless of how far away retirement may seem. With more Americans working past age 65, navigating both employer-sponsored coverage and Medicare is becoming increasingly common. As such, being informed about this topic now can help avoid costly penalties when it's time to…

Spring is a natural time for fresh starts, making it a great time to take stock of your health and the benefits that support it. Whether you're still settling into a new plan year or just looking for ways to get more value from your coverage, this article provides five tips to help you make…

As the U.S. workforce evolves and employers confront new health, economic and social challenges, organizational health literacy has become a defining factor in shaping healthier, more resilient workplaces. Healthy People 2030, America's recently published federal blueprint for public health priorities, explicitly elevates health literacy as a national goal, emphasizing that organizations bear responsibility for enabling…

When you get sick or injured, choosing where to go for health care may seem overwhelming. You have many options for care — including the emergency room (ER), urgent care, telehealth and primary care — and each plays a significant role in how quickly and affordably you can get help. Understanding which is best for…

Medication costs can vary more than many people realize, even for the same prescription. Taking a few extra minutes to compare prices can make a meaningful difference for your wallet and your health. Whether you take one medication or manage several, being an informed shopper helps ensure you're not paying more than necessary. Why Comparing…

On March 6, 2026, the U.S. Department of the Treasury and the IRS released proposed rules for a new one-time $1,000 pilot program connected to a savings account called a Trump Account. These accounts were created under the One Big Beautiful Bill Act (OBBBA) and are designed to help families set aside money for children…

On March 6, 2026, the U.S. Department of the Treasury and the IRS issued proposed rules regarding the $1,000 pilot program for Trump Accounts. Created by the One Big Beautiful Bill Act (OBBBA), Trump Accounts are a new type of tax-favored savings account for children under the age of 18 that will be available later…