Insights

Provided you are HSA-eligible for the entire calendar year, you can contribute up to the applicable IRS annual family HSA contribution limit to an HSA. If you are 55 or older at year-end, you can also contribute an additional $1,000 catch-up contribution. Your domestic partner, if HSA-eligible, can also contribute the family maximum (and, if applicable, a catch-up contribution) to their own HSA. To review, to be eligible to make (or receive) HSA contributions, an individual must: Be covered by

The Washington Office of Insurance Commissioner (OIC) adopted R 2025-12 Consolidated Healthcare Rulemaking, effective January 19, 2026. The rule addresses several topics, including extending essential health benefits plan coverage requirements, adding a definition of medically necessary for unfair practices in gender-affirming care treatment, and other administrative or textual ease-of-reading changes. Most notably, R 2025-12 provides expected implementation details to hearing instrument covera

On November 17, 2025, the New Mexico Office of the Superintendent of Insurance (OSI) released Bulletin 2025-015 regarding coordination of benefit (COB) provisions for minor children. The bulletin explains OSI’s position regarding allowable coordination of benefits provisions for a dependent child covered under more than one health insurance plan. OSI will accept coordination of benefits language consistent with NAIC’s Coordination of Benefits Model Regulation, Section 6(D)(2). The bulletin outl

On January 17, 2026, New Jersey enacted a new law (Assembly Bill 3451) to expand eligibility and coverage under the New Jersey Family Leave Act (NJFLA), which provides qualifying employees with job-protected leave for certain recognized reasons. Beginning July 17, 2026, the NJFLA would cover employers with 15 or more employees and would extend eligibility to employees who have worked at least three months and not less than 250 base hours during the preceding 12-month period. Under existing law,

The San Francisco Office of Labor Standards Enforcement (OLSE) has released the 2026 poster for the City and County of San Francisco Health Care Security Ordinance (SFHCSO). All covered employers remain required to post the notice in all workplaces and job sites, or deliver it electronically or by mail to those working remotely in San Francisco, after it becomes available. Covered employers are generally those with 20 or more employees worldwide, at least one of whom works in San Francisco. Emp

On January 7, 2026, the Arizona Department of Insurance and Financial Institutions (DIFI) published Regulatory Bulletin 2026-01. The bulletin provides guidance to ensure uniform adherence among Arizona health plans regarding mandatory coverage of biomarker testing. The bulletin was issued, in part, to respond to observed noncompliance, especially denials based on outdated utilization review criteria. Since January 1, 2023, Arizona law has required insurers to cover biomarker testing if it provi

Life insurance can be a crucial pillar of financial protection for those who mean the most to you.

NFP's Benefits Compliance team takes a closer look at health savings accounts and discusses their core mechanics, common issues, and 2025 changes.

While we don’t know when or where an emergency will strike, there’s a good chance you’ll have to deal with one eventually - that’s life.