Insights

On January 30, 2026, the DOL proposed a rule that would require PBMs and certain affiliated service providers to disclose detailed information about their compensation when contracting with ERISA self-insured group health plans. The disclosures are intended to help plan sponsors fulfill their fiduciary obligations to ensure that PBM service arrangements and compensation are reasonable. Background The proposed rule responds to President Trump’s Executive Order 14273, Lowering Drug Prices by Once

On January 28, 2026, HHS announced the inflation-adjusted penalty amounts related to violations of Summary of Benefits and Coverage (SBC), Medicare Secondary Payer (MSP), and HIPAA Privacy and Security Rule requirements. These new penalty amounts are calculated based on a cost-of-living increase of 1.02598% and are applied to penalties assessed on or after August 8, 2024, for violations occurring on or after January 28, 2026. Summary of Benefits and Coverage (SBC) The ACA requires insurers and

On January 29, 2026, HHS announced the premium adjustment percentage and related guidance to inform the payment parameters for the 2027 benefit year. Premium Adjustment Percentage The ACA requires non-grandfathered group health plans to comply with an out-of-pocket maximum on expenses for essential health benefits (i.e., “cost-sharing”). This HHS guidance establishes the premium adjustment percentage that is used to index the annual limitation on cost-sharing. HHS announced that the premium adj

No, the alternative method for distributing Form 1095-B and/or 1095-C only applies to federal reporting requirements. States with their own individual mandate reporting requirements (CA, DC, MA, NJ, and RI) have not extended similar relief at this time. Therefore, employers with employees subject to state individual mandate reporting requirements should continue distributing the required statements to employees. For more information on these state reporting requirements, please ask your broker

Financial institutions can combat the rising risk of check fraud by implementing appropriate controls to mitigate their exposure and stay ahead of fraudsters.

This February, let’s celebrate the season of love by showing a little extra affection to our obliques and give our core the attention it deserves.

Understanding the legal and financial protections behind being bonded and insured for businesses and contractors.

Many people dream of relocating when they retire. Here are things to consider when evaluating your options.

Watch the latest edition of NFP's Echo, where we discuss employee retirement benefits, hospitality safety programs and employees' financial wellbeing.