Insights

Maybe. Under the ACA’s employer mandate, which applies to employers with 50 or more employees in the prior calendar year, there is no general exception for interns for medical coverage. All hours of service for which an intern is paid are required to be counted as hours of service. Therefore, an intern’s hours of service must be counted when determining if the employer is responsible for offering coverage to the intern, or the employer risks paying a penalty under the employer mandate. In some

Cyber fraud continues to grow more sophisticated, check fraud drives significant losses, and tips for how travelers can protect their budgets and avoid preventable mishaps.

Feeling stressed? Learn simple ways to create clear work boundaries and new routines to regain a sense of calm.

There are a few different notice requirements in play when an employer makes a midyear change to benefits. First, ERISA includes a summary of material modification (SMM) requirement. The SMM requirement pertains to material changes in a group health plan. ERISA does not define “material,” but this term would generally refer to any information or changes that impact the rights or obligations of plan participants and beneficiaries. Such changes may include, but are not limited to, changes in plan

Learn how to refresh your finances this spring with quick reviews alongside your advisor to clear clutter, realign goals, and stay on track.

On April 16, 2026, Gov. Reynolds signed HF 2434, which prohibits insurers from denying coverage for covered services solely because the referring primary care provider does not participate in the insurer’s network. The legislation also prohibits an insurer from imposing higher deductibles, copayments, or coinsurance for covered services referred by an out-of-network primary care provider compared to the cost-sharing charged for services referred by an in-network primary care provider. An insure

On April 14, 2026, Gov. Moore signed HB637/SB385, dubbed the “Vax Act,” which requires insurers to cover preventive care items and services recommended by the Maryland Secretary of Health without imposing cost-sharing requirements. The law requires the health secretary to obtain an analysis from the Maryland Health Care Commission and provide a public notice-and-comment period before any recommendation becomes effective. Once the secretary issues a recommendation, insurers must provide coverage

On April 14, 2026, Gov. Moore signed a pair of laws expanding coverage requirements for health insurers: HB393/SB272 requires insurers that provide coverage for chemotherapy to also provide coverage for scalp cooling systems used to prevent or reduce hair loss in connection with chemotherapy to treat cancer. For the full text of HB393/SB272, please see this legislative text. HB1094/SB910 requires insurers that provide benefits for certain counseling services to provide reimbursement for thos

On March 30, 2026, the DOL, HHS, and Treasury (the departments) disclosed in a court filing that they will no longer defend the mental health parity regulations they issued in September 2024. Instead, the departments indicated that they intend to propose replacement regulations by the end of the year. The disclosure comes nearly a year after the departments announced an indefinite pause on enforcement of the 2024 mental health parity regulations – but not the prior 2013 regulations or the under