Insights

On October 13, 2025, California enacted SB 590, which allows eligible employees to take paid family leave to care for a “designated person,” which is defined as any individual related by blood or whose association with the employee is equivalent to a family relationship.   Under existing law, employers with at least one employee in California who earns $300 or more in wages in a 12-month period are subject to the state disability insurance program, which is the umbrella program that includ

As a refresher, age-banded rates are set by the carrier to cover a specific premium for each age group. These rates are applicable to the small group market, where size may vary based on state rating rules. In contrast, composite rates are set by the carrier based on demographics and will be consistent across enrollees, meaning rates will vary by enrollment tier but not age. We do not recommend that employers create composite rates where the carrier is billing on an age-banded basis. This is be

In this webinar, the NFP Benefits Compliance team discusses the impact of HIPAA’s Privacy and Security Rules on employer sponsors of group health plans.

We will all probably agree that the best claim is the one which never occurs. However, claims will happen, and effective management of them is critical to the operational and financial success of any company. Below are some key areas of opportunity for employers to mitigate their claims exposures, beyond the carrier. Proactive Claims Management: Communication, Reviews, and Collaboration Communication Protocols: At the inception of your policy, create communication paths which address: The gate

A lot of people focus on things to do after they retire, but there are a number of things you should take care of before you hit that milestone.

In this session of Building Your Financial Future, we cover economic impacts, investing wisely and protecting what you have.

Take action to support menopause care at work as policy shifts drive new expectations for coverage, training and workplace accommodations.

As October is Breast Cancer Awareness Month, employers that sponsor group health plans should be aware of the expanded breast cancer screening benefits that are scheduled to take effect in 2026. Background The ACA requires non-grandfathered group health plans (whether fully insured or self-insured) to cover certain preventive care in-network without cost-sharing (including deductibles, copayments, or coinsurance). The required covered care includes services given an “A” or “B” rating from the U

On August 25, 2025, a U.S. District Court denied a motion to dismiss a class action lawsuit against Kaiser Foundation Health Plan Inc. (KFHP) for its denial of coverage for prescription hearing aids, in violation of Section 1557 of the ACA. Specifically, the court found the plaintiff had standing to bring the lawsuit and adequately alleged that the plan's coverage exclusion was discrimination under the ACA. Background The plaintiff in the case was an enrollee in a health plan administered by Ka