Insights

On September 2, 2025, a U.S. District Court in Illinois dismissed an ERISA preemption lawsuit by Central States, Southeast, and Southwest Areas Health and Welfare Fund against the Arkansas Insurance Commissioner and Department. Specifically, the plaintiff (a self-funded, multiple employer welfare plan) challenged an Arkansas state rule that permits the Arkansas Insurance Commissioner (the commissioner) to review the adequacy of pharmacy reimbursement payments made by health plan PBMs, arguing t

Fully insured group health plans may face fewer obligations under the HIPAA Privacy and Security Rules as compared to self-insured group health plans (including health FSAs and HRAs) — but only if the plan sponsor maintains a strictly hands-off approach with respect to protected health information (PHI). “Hands-off” is not a HIPAA-defined term but is used to describe a plan sponsor’s minimal involvement with PHI. When a fully insured plan limits its involvement to basic functions such as enroll

Sponsors and administrators of ERISA group health plans must fulfill numerous fiduciary responsibilities depending on whether the plan is fully insured or self-insured.

For decades, FEMA’s flood maps have shaped the national conversation on flood risk and who must carry flood insurance.  According to FEMA administrators via Smithsonian Magazine, FEMA’s flood maps don’t currently reflect the environmental changes.

Learn how interim HR consulting can bridge critical talent gaps, ensure compliance and enhance organizational performance during transitional periods.

We walk you through six key steps on the road to financial success. Discover insurance and investing tips, and learn how to optimize your savings and budget.

No, posting required notices on a shared computer or kiosk is not sufficient to meet the DOL’s Electronic Disclosure rules. The preamble to the final 2002 regulations specifically states that merely posting documents to a shared computer kiosk in a common area at a workplace is not an appropriate means by which to deliver documents required to be furnished to participants. As many employers head into open enrollment season, it is important to remember best practices on notice distribution requi

On July 30, 2025, Gov. Newsom signed AB 951 into law. The new law prohibits health insurers from requiring an enrollee previously diagnosed with pervasive developmental disorder or autism to receive a rediagnosis to maintain coverage for behavioral health treatment. Further, insurers cannot discontinue or delay existing treatment while waiting for a rediagnosis. The treating providers should provide the treatment plan to insurers upon request. The law is effective for policies issued or renewed

All policies issued or renewed in Oklahoma on or after November 1, 2025, must comply with the anesthesia coverage provisions of SB 1019. Specifically, a group health insurance policy may not impose a time limit on the amount of covered anesthesia services provided during a medical or surgical procedure, or restrict or exclude coverage of anesthesia time. Anesthesia time is defined as the period beginning when the patient is prepped by the anesthesia practitioner for anesthesia services and endi