Resources

Cost-Sharing Limits Revised for 2027 Plan Years

The U.S. Department of Health and Human Services (HHS) released the 2027 maximum cost-sharing limits under the Affordable Care Act (ACA) on January 29, 2026.…

Water backup coverage

Standard homeowners insurance has its limits and sewer backup is one of the most common coverage gaps. Adding a sewer backup rider to your policy…

Summer Ready: A Homeowner’s Maintenance Checklist

The long, bright days of summer are the perfect time to tackle home improvements. A little cleaning, repair, and maintenance now can go a long…

Homeowner’s Policy & Floods: Are You Covered?

After each new flooding event, the media details the sad plight of homeowners who have lost everything, reporting many were uninsured for the risk of…

Rising Early-Onset Cancers: A New Reality for Employers

Employers are increasingly seeing diagnoses at younger ages and across a wider range of cancer types than in prior decades. This is not only a…

The Benefits of Nonprofit D&O Insurance

Nonprofit organizations provide essential social services that benefit their communities and their members. These organizations cannot survive without dedicated leaders to make major decisions on…

DOJ Opinion: Application of the Rehabilitation Act and Americans with Disabilities Act to State Institutionalization of Patients with Severe Mental Illness or Disabilities

The Department of Justice released an opinion piece on June 18, 2026, titled “Application of the Rehabilitation Act and Americans with Disabilities Act to State…

Oral Health and Systemic Risk: An Overlooked Driver of Cost and Outcomes Overview

Oral health is not separate from overall health. Emerging patterns and new therapies are changing oral health risk profiles and making dental status an increasingly…

GLP‑1 Demand, Pediatric Obesity & the New Benefit Challenge Overview

New therapies and heightened public interest in weight‑management options have altered benefit pressures. At the same time, pediatric and adolescent rates of obesity and related…

Women’s Health Across the Life Course: Gaps and Growing Expectations Overview

Traditional benefits frames (focused mainly on pregnancy and short‑term reproductive needs) are no longer sufficient. Women’s health needs span decades and include mid‑life transitions, musculoskeletal…

Welding & Gas CFO Club Recap June 2026

Meeting Notes Accounting for Cylinders Treat cylinders like fixed assets vs. inventory Argument is the useful life of being cylinders can be 100 years Feedback…

Replacement Cost Inflation: A Hidden Insurance Risk for Wood Products Companies

One of the most significant insurance challenges facing wood products manufacturers today isn’t always obvious until a loss occurs: replacement cost inflation. Over the last…

Chicago Modifies Rules for Paid Leave and Paid Sick and Safe Leave

The Chicago Department of Business Affairs and Consumer Protection has amended the rules for the city’s Paid Leave and Paid Sick and Safe Leave ordinance. The changes…

Federal Agencies Release Proposed Rules on Offering Fertility Benefits

On May 10, 2026, the U.S. Departments of Labor, Health and Human Services, and the Treasury (the Departments) jointly released proposed rules that would create…

IRS Publishes ACA Pay-or-Play Penalties for 2027

On May 4, 2026, the IRS published updated penalty amounts for 2027 regarding the employer shared responsibility (“pay-or-play”) rules under the Affordable Care Act (ACA).…

HHS Expands Hardship Exemptions for Catastrophic Coverage

The U.S. Department of Health and Human Services’ (HHS) Notice of Benefit and Payment Parameters for 2027 formalizes earlier guidance that expands hardship-exemption eligibility to…

2026 DOL Civil Penalty Rates Remain Unchanged

The Office of Management and Budget (OMB) has issued a memorandum directing federal agencies to cancel penalty-inflation adjustments for 2026. This suspension affects penalties that…

Real Estate Portfolio Insurance: How Master, Shared & Layered Programs Lower Your Cost Per Door

For institutional commercial real estate owners, insurers and brokers increasingly recommend portfolio-level solutions—master, shared, and layered insurance programs—as a way to reduce insurance cost per…

Welding & Gas CFO Club Recap April 2026

Thanks to the crew that attended last month. This is one of our longer and more impactful sets of notes we’ve had. There was some…

IRS Revised FAQs on Educational Assistance Programs

The Internal Revenue Service (IRS) has issued revised frequently asked questions (FAQs) on educational assistance programs under Section 127 of the Internal Revenue Code (Code)…

Final Rules on Medicare Part D Creditability Disclosures

The Centers for Medicare & Medicaid Services (CMS) released a final rule exempting account-based plans such as Health Reimbursement Arrangements (HRAs) and Individual Health Reimbursement…

Reminder: RxDC Reports Due June 1, 2026

Every year, group health plans and health insurance issuers must submit detailed information on prescription drug and healthcare spending to the federal government. This reporting…

Federal Agencies Report to Congress

The U.S. Departments of Labor, Health and Human Services, and the Treasury recently submitted a report to Congress summarizing their review of comparative analyses of…

PCORI Fee Reporting

The Affordable Care Act (ACA) imposes a fee on health insurance issuers and plan sponsors of self-insured health plans to help fund the Patient-Centered Outcomes…