Resources

Aligning Health Plans After a Merger: Strategies for Cost Savings & Compliance

When companies merge, executives often focus on financials, technology or market positioning. But for employees, the first question is often more personal: What happens to…

ACA Pay-or-Play Changes Might Impact Employers in 2026

The Affordable Care Act (ACA) mandates applicable large employers (ALEs) to offer affordable, minimum-value (MV) health coverage to their full-time employees (FTEs) or risk paying…

An Update on the Illinois Day and Temporary Labor Services Act and its Equal Benefits Provision

Illinois amended the Illinois Day and Temporary Labor Services Act (the “Act”) in 2023 and 2024 to require staffing agencies to provide equal pay and…

Indiana’s New Pharmacy Benefit Manager Law

Highlights Overview: Indiana’s PBM law (SB 140) affects PBM contracts and administration with group health plans. The law goes into effect for new and existing…

Illinois Enacts New PBM Law

Highlights Overview: Illinois HB 1697 was signed into law on July 1, 2025. The law affects PBM contracts with group health plans and may impact…

Top 5 Critical Awareness Points in the Employee Benefits Landscape for 2026

As employers and benefits leaders plan for 2026, five interrelated forces will shape benefit strategy, administration, cost and employee experience. Understanding each key factor –…

Tips on Preparing for a Hurricane

When a hurricane warning is issued, preparation is the key to safety for you and your loved ones. Check on family members and elderly neighbors…

Demystifying Personal Cyber Coverage

Today’s society has become increasingly digital, with many individuals leveraging smart devices within their daily lives. Although this technology can offer various benefits, it can…

Umbrella Policy: Protection for the Worst

Every homeowner knows the value of having an insurance policy that covers their home and its contents from perils such as tree damage, fire, and…

10 Fall Home Maintenance Tips

Fall signals cooler weather, and the pleasant temperatures let you comfortably do necessary home maintenance before winter arrives. By taking the time to maintain your…

Protecting Your College-Bound Student with Renters Insurance

As the school year approaches, parents and students alike are busy with the hustle and bustle of preparing for the new semester. From textbooks to…

Why You Need Water Backup Coverage

According to the EPA, an upward estimate of 75,000 sewage backup incidents occur annually in the United States. Sewer backup, or water backup, can cause…

Key HSA Features for 2026

Health savings accounts (HSAs) are a widely used type of tax-advantaged medical savings account available to individuals enrolled in high deductible health plans (HDHPs). People…

Deadline Approaching for Employers to Receive MLR Rebates

Employers with insured group health plans might soon receive a medical loss ratio (MLR) rebate from their health insurance providers. If issuers did not meet…

Minnesota Releases New Guidelines for Private PFML Plan Equivalency

The Minnesota Department of Employment and Economic Development (DEED) has released guidance for employers regarding the use of equivalent plans for the state’s paid family…

Welding & Gas CFO Club Recap August 2025

The meeting began with introductions from financial leaders across different companies who shared their territories and roles. The main discussion focused on AI usage in…

Why CFOs Are Taking an Increased Interest in Benefits

Historically, employee benefits have been viewed primarily as a domain of Human Resources (HR). From health insurance and retirement plans to wellness programs and flexible…

Tips on De-escalation for Health Care Professionals

For health care workers, managing patient behavior can be a challenging but critical component of the job. Depending on the nature of their conditions and…

What’s New for Physician Insurance in 2025

Authored by Mike Madey, Senior Vice President, and Sean Dauber, Senior Vice President Property & Casualty For better or for worse, the answer is… not…

Key Diligence Hotspots in Business Acquisitions

When evaluating potential acquisitions or assessing existing portfolios, understanding where challenging or “above average” risk exposures are concentrated is crucial. These exposures can influence the…

Welding & Gas CFO Club Recap June 2025

Thanks to those that were able to make it for our 17th CFO Club discussion. We had a very interactive discussion. Note Summary Customer Contracts/Risk…

Final Rule Introduces New Restrictions on ACA Marketplace Enrollment

On June 25, 2025, the U.S. Department of Health and Human Services (HHS) released a final rule establishing new standards for the Affordable Care Act’s…

U.S. Supreme Court Affirms ACA’s Mandate for Free Preventive Care

The U.S. Supreme Court upheld a crucial component of the Affordable Care Act’s (ACA) preventive care mandate (Kennedy v. Braidwood Management, Inc.) on June 27,…

U.S. Supreme Court Upholds Tennessee Ban on Gender-Affirming Care for Minors

On June 18, 2025, the U.S. Supreme Court upheld the constitutionality of a Tennessee law banning certain medical care for transgender minors under the age…