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Spring into Motion: Strengthening Your Heart A new study published in BMJ Heart, a leading journal for cardiovascular advances, has found a powerful connection between your walking speed and your heart rhythm. According to the research, people who maintain an average or brisk walking pace have a 35% to 43% lower risk of developing heart … Continued
If your company provides an employee benefit plan governed by the Employee Retirement Income Security Act (ERISA), you are likely obligated to file Form 5500. This annual report discloses key details about your organization’s benefit offerings, such as welfare benefit plans (including medical, dental, life, and disability coverage), retirement plans, fully insured plans, and self-funded … Continued
Choosing a health insurance plan can feel a lot like solving a puzzle—there are many moving pieces, and the best fit depends on how they come together for your unique situation. With so many options and acronyms—HMO, PPO, POS, EPO, HDHP—it’s easy to feel unsure about where to start. This guide breaks down the most … Continued
Your health insurance member identification (ID) card is proof of your coverage and a vital source of health plan information. It allows you to access medical care, verify coverage and ensure accurate billing. However, because these cards often include various numbers, terms and abbreviations, they can be challenging to understand and confusing to use. Whether … Continued
On January 29, 2026, the U.S. Department of Health and Human Services (HHS) officially released the maximum cost-sharing limits for the 2027 plan year. These figures represent a significant 13.2% increase over the 2026 limits, marking a substantial shift in potential out-of-pocket expenses for plan participants. 2027 Maximum Out-of-Pocket Limits For 2027, the maximum annual … Continued
The Affordable Care Act (ACA) created a federally financed subsidy, known as the premium tax credit (PTC), to help eligible individuals and families with low to moderate incomes afford health insurance purchased through an Exchange. During the COVID-19 pandemic, Congress temporarily enhanced the PTC by eliminating the income cap for eligibility and increasing the subsidy … Continued
Employers must prepare for Affordable Care Act (ACA) reporting covering the 2025 calendar year. Staying ahead of these deadlines is critical for Applicable Large Employers (ALEs) and providers of self-insured health plans. Who is Required to Report? Reporting obligations under Internal Revenue Code Sections 6055 and 6056 fall into two main categories: Self-Insured Health Plan … Continued
Offering voluntary benefits is an excellent way to strengthen your overall benefits package, stand out from competitors, and enhance employee satisfaction—all with minimal impact on your budget. However, while employers often provide a wide range of voluntary benefits designed to offer value and convenience, many employees may not fully understand what these benefits are or … Continued
February is often filled with symbols of love, but it’s also the perfect time to focus on the most important heart of all—your own. American Heart Month serves as a vital reminder that cardiovascular health is the foundation of a long, vibrant life. Heart disease remains a leading health challenge globally, but the good news … Continued
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 … Continued