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Young happy woman receives support from attenders of group therapy at mental health center.

The New Era of Mental Health Parity Enforcement in 2026

Federal agencies have made mental health parity enforcement a top priority in 2026, and employers sponsoring group health plans are feeling the impact. Regulators are no longer satisfied with high‑level assurances that plans comply with the Mental Health Parity and Addiction Equity Act (MHPAEA). Instead, they expect detailed, data‑driven documentation showing that mental health and […]
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Fiduciary Responsibilities for Employer Health Plans: What Employers Should Know Now

Fiduciary Responsibilities for Employer Health Plans: What Employers Should Know Now

When employers think about fiduciary responsibility, retirement plans often come to mind first. But recent developments make it clear that fiduciary duties also matter—sometimes significantly—when it comes to employer-sponsored health and welfare plans. Federal law requires employers that sponsor ERISA-covered benefit plans to act in the best interests of plan participants and beneficiaries. While many […]
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Rising Healthcare Costs: What Higher Premiums Mean for Employers

How Rising Health Costs Impact Employer Premiums

Why Premiums Are SoaringEmployers are seeing group health plan costs climb faster than almost any other business expense. Prescription drug prices have skyrocketed, particularly for biologics and specialty drugs that can cost tens of thousands of dollars per patient each year. Hospitals and outpatient treatments are charging more as they face staffing shortages and higher […]
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Supporting Employee Mental Health During Challenging or Traumatic Times

Supporting Employee Mental Health During Challenging or Traumatic Times

During challenging times or traumatic events, organizations can do a lot to support employees. NAMI encourages people to bring their whole selves to work, which includes their mental health. As employers, it’s important to acknowledge what’s happening outside of the workplace, its potential impact on employee wellness, and support employees so that they can continue […]
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Health & Welfare Benefits Year End Roundup: 2025 Regulatory Highlights

Health & Welfare Benefits Year End Roundup: 2025 Regulatory Highlights

As 2025 draws to a close, employers and benefits professionals face a shifting regulatory landscape that will shape health and welfare programs in 2026 and beyond. This year’s developments underscore the government’s dual priorities: expanding access, modernizing benefit delivery, and balancing compliance with practical flexibility. Below is a roundup of the most significant regulatory highlights. […]
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What does health insurance cover?

In today’s complex and ever-changing world, having health insurance is more important than ever. But do you truly understand what your health insurance policy covers? In this article, we’ll dive deep into the basics of health insurance, explore the different types of coverage available, discuss key components of health insurance, and help you understand what […]
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The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors.

Trump Administration Reshapes Health Plan Oversight

The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors. In tandem with these policy moves, leadership changes at key agencies are already influencing the regulatory […]
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Supplemental Health Products Surge as Employees Seek Layered Coverage

Supplemental Health Products Surge as Employees Seek Layered Coverage

In a year defined by rising healthcare costs and shifting employee expectations, supplemental health insurance products are experiencing a notable surge. According to LIMRA’s latest workplace benefits sales data, accident, critical illness, and hospital indemnity insurance sales rose 11% year-over-year through the third quarter of 2024. This growth reflects a broader trend: employees are increasingly […]
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Group Health Premiums on the Rise: What Employers Need to Know

Group Health Premiums on the Rise: What Employers Need to Know

In 2025, rising group health premiums are becoming a central concern for employers. Carriers like UnitedHealth, Anthem, and CVS Health have issued projections showing significant cost increases—driven by escalating claims severity, specialty drug costs, and continued labor shortages across provider networks. These group health premium hikes pose challenges to affordability and enrollment, particularly for small […]
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Mental Health Parity Requirements are Still in Full Force—Even as New Federal Rules are Temporarily on Hold

Mental Health Parity Requirements are Still in Full Force—Even as New Federal Rules are Temporarily on Hold

In May 2025, the Departments of Labor, Health and Human Services, and the Treasury announced a temporary pause in enforcement of the 2024 final rule under the Mental Health Parity and Addiction Equity Act (MHPAEA), following a legal challenge brought by an employer coalition. This enforcement pause gives the agencies time to reexamine certain provisions […]
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