Blog & Resources

The DOL’s proposed PBM compensation disclosure rule introduces new fiduciary expectations for self-insured and level-funded health plans, with potential applicability as early as July 2026. Brokers should begin preparing now to help employers evaluate PBM fees, strengthen governance practices, and avoid prohibited transaction risk under ERISA.

ACA reporting is more than submitting Forms 1094-C and 1095-C. It confirms whether your large employer clients offered affordable, minimum value coverage to full-time employees and whether their internal processes hold up under IRS review.

The increase to a $7,500 DCAP limit is triggering nondiscrimination test failures for many employers. This post explains why it’s happening and how brokers can help clients correct issues and plan smarter going forward.

January is ACA danger season. Reporting rules have shifted, enforcement timelines have expanded, and premium increases are reshaping employee conversations. This January isn’t just about deadlines – it’s about understanding what changed, what’s commonly missed, and how advisors can help employers stay compliant without unnecessary panic.

Employers must submit their annual gag clause compliance attestation online by Dec. 31, even if they already know a prohibited gag clause may exist. Recent federal guidance confirms that filing on time, with clear disclosure, is still required. This post explains how employers can submit the attestation in good faith, document concerns, and avoid unnecessary compliance risk.