Industry Updates

Benefit Communications

2026 Open Enrollment Checklist

Added on 12/03/2025 Download File

This year’s checklist helps employers who sponsor group health plans prepare for plan years beginning on or after Jan. 1, 2026. It outlines key compliance updates—including ACA affordability changes, new HDHP/HSA limits, preventive care adjustments, and required annual notices. Employers should review their plan designs, update SPDs/SMMs, and ensure all mandated open enrollment notices are included.

Legal News & Compliance

Wrap Documents for Welfare Benefit Plans

Added on 09/09/2025 Download File

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for employee benefit plans maintained by private-sector employers. Under ERISA, employer-sponsored welfare benefit plans, such as group health plans, must be described in a written plan document. In addition, employers must explain the plans’ terms to participants by providing them with a summary plan description (SPD).

Affordable Care Act: 2026 Compliance Checklist

Added on 12/03/2025 Download File

This checklist helps employers who sponsor group health plans understand key ACA requirements taking effect for plan years beginning in 2026. It highlights updates to affordability percentages, cost-sharing limits, preventive care requirements, and FSA/HSA limits, along with employer mandate rules, reporting deadlines, and penalty considerations. Employers should review their plan documents and ensure all ACA-related notices and filings are completed accurately and on time.

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