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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. Understand the Basics Triple Tax Advantage: HSAs provide three powerful tax benefits — contributions are … Continued
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 … Continued
How Much Will Health Care Costs Rise in 2026? Health care costs have been growing at an alarming rate in recent years, and they’re not slowing down. As such, surveys project that health care costs in the United States are likely to increase by 6.5% to, in many cases, as much as over 10% in … Continued
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 … Continued
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; … Continued
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 … Continued
The future of healthcare is rapidly evolving, with a clear trend toward integrating health interventions directly into employee benefits packages. As employers face rising healthcare costs—projected to increase by over 8% in 2025—they are rethinking how to deliver value to their workforce while managing expenses. This integration is reshaping not just what benefits are offered, but … Continued
Insurance Costs Expected to Rise A new report from Mercer, a consulting firm specializing in human resources and financial services, predicts that health insurance costs will increase by an average of 6.5% in 2026. This is the most significant jump in 15 years. While health care spending has drastically increased over the last few years, … Continued
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 … Continued
Federal regulators—specifically, the Departments of Labor, Health and Human Services, and the Treasury—issued joint guidance on October 16, 2025, making it significantly easier for employers to offer fertility benefits outside of their traditional group health plans. This action was driven by an Executive Order focused on protecting in vitro fertilization (IVF) access and reducing the … Continued