Resources

Our resource library includes several insurance specific and risk related topics. To keep up-to-date on new additions to the library, register for our Newsletters at the bottom of the page.

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CMS Released 2025 Plan Year Out-of-Pocket Maximums

Highlights CMS announced the cost-sharing limits for plan years beginning in 2025 on November 15, 2023. Medicare and the ACA requires health plans to place…

IRS Releases 2024 Retirement Plan Limits

The Internal Revenue Service (IRS) has released Notice 2023-75, which includes cost-of-living adjustments for 2024 that affect amounts employees can contribute to 401(k) plans and…

Health FSA Limit Set to Increase for 2024

The IRS released Revenue Procedure 2023-34 (Rev. Proc. 23-34) on November 9, 2023 announcing the adjusted limit for employee contributions to health flexible spending accounts…

Deadline for Submitting Gag Clause Attestation Is Approaching

Effective Dec. 27, 2020, the Consolidated Appropriations Act, 2021 (CAA) prohibits health plans and health insurance issuers from entering into contracts with health care providers,…

Patient-Centered Outcomes Research Institute (PCORI) fee Adjusted for 2024

The IRS has released Notice 2023-70, announcing a rise in the Patient-Centered Outcomes Research Institute (PCORI) fee for plan years concluding between October 1, 2023,…

A Comprehensive Guide to Insurance for Restaurant Employees

This guide will explore the various types of insurance for restaurant employees and employee benefits and retention.

PODCAST – The One Thing: Andrea Palmer, Awake Labs

This week on The One Thing podcast by The Horton Group, our hosts, Robin Bettenhausen and Tom Kallai, spoke with Andrea Palmer, CEO and founder…

Zuniga Health was inspired by Arthur’s family’s experience and desire to provide affordable health insurance to working families – especially in the Hispanic community.

PODCAST – The One Thing: Arthur Vera, Zuniga Health

This week, at The One Thing Podcast by The Horton Group, our hosts, Robin Bettenhausen and Tom Kallai, spoke with Arthur Vera, founder and CEO…

Understanding Minnesota’s Earned Sick and Safe Time Laws

For more information, view a recorded webinar on this topic here. Minnesota’s recently enacted Earned Sick and Safe Time (ESST) laws, effective January 1st, 2024,…

Deadline for Health Plans: Submit Gag Clause Attestations by December 31, 2023

Key Highlights Health plans and issuers must ensure their agreements with providers, TPAs and other service providers do not include prohibited gag clauses. Health plans…

HSAs: Key Features and Contribution Limits for 2024

Links and Resources IRS Publication 969, Health Savings Accounts and Other Tax-favored Health Plans. IRS Rev. Proc. 2023-23, which includes the inflation-adjusted HSA limits for…

EEOC Pregnant Workers Fairness Act FAQs

PWFA Overview PWFA Effective Date: The PWFA went into effect on June 27, 2023. The EEOC has begun accepting PWFA charges for acts that occur…

Pay or Play Affordability Percentage Will Decrease for the Coming Year

On Aug. 23, 2023, the IRS issued Revenue Procedure 2023-29 to index the contribution percentage in 2024 for deciding the affordability of an employer’s plan…

Takeaways from the Illinois Paid Leave for All Workers Act

The Paid Leave for All Workers Act goes into effect January 1, 2024, positioning Illinois as the third state to mandate paid time off for…

Annual Medicare Part D Notices Are Due Before October 15

Highlights: Medicare Part D imposes disclosure requirements on employers with group health plans that provide prescription drug coverage to Medicare-eligible individuals. Plan sponsors must provide…

Illinois Enacts New Transit Pass Program: What Employers Need to Know

Illinois enacted the Transportation Benefits Program Act on July 28, 2023, making it mandatory for employers in Cook County and designated areas to provide full-time…

Compliance Reminder: December 31, 2023, Deadline for Health Plans’ Gag Clause Attestations

On February 23, 2023, the Departments of Labor, Health and Human Services, and the Treasury (referred to as the Departments) released a set of Frequently…

Open Enrollment: 2024 Checklist

Resources and Links Revenue Procedure 2023-23, which includes the inflation-adjusted limits for health savings accounts (HSAs) and HDHPs for 2024 Model notices for group health…

EEOC Releases New Guidance on Visual Disabilities and the ADA

On July 26, 2023, the Equal Employment Opportunity Commission (EEOC) released new guidance to describe how the Americans with Disabilities Act (ADA) applies to applicants…

Proposed Rule Issued to Bolster Mental Health Parity Requirements

On July 25, 2023, the Departments of Labor, Health and Human Services, and the Treasury (Departments) put forward a proposed rule to bolster the requirements…

FAQs: ACA Cost-sharing & No Surprises Act

The Departments of Labor, Health and Human Services, and the Treasury (Departments) issued frequently asked questions (FAQs) on ACA’s cost-sharing limit and the No Surprises…

Proposed Rule on Short-Term Limited Duration Insurance, Hospital & Fixed Indemnity Plans as Excepted Benefits and their Tax Treatment, and Level-Funded Plans

Introduction The Department of Labor (DOL), Department of Health and Human Services (HHS), and the Internal Revenue Service (IRS), [collectively, “the Departments”] have recently released…

EEOC Releases FAQs on the Pregnant Workers Fairness Act

To help employers prepare for changes under the Pregnant Workers Fairness Act (PWFA), the Equal Employment Opportunity Commission (EEOC) has released frequently asked questions and…

Illinois Enacts Paid Leave for All Workers Act

Illinois recently enacted the Paid Leave for All Workers Act, which requires most Illinois employers to provide their employees with up to 40 hours per…