Blog & Resources

Flexible Spending Arrangements (FSAs) and Dependent Care Assistance Programs (DCAPs) allow employees to save on health and dependent care costs using pre-tax dollars, while helping employers reduce payroll taxes and strengthen their benefits package. Understanding eligibility, annual IRS updates, contribution limits, and compliance rules is essential for maximizing value and ensuring these programs remain both effective and compliant.

Health insurance carriers must issue Medical Loss Ratio (MLR) rebates by September 30. Brokers should remind employers that they have 90 days to decide how participant portions are handled. Learn the rules, options for distribution, and how to guide clients through this compliance step during busy Q4.

On August 13, 2025, a federal trial court struck down the 2017 rules that had expanded employer exemptions from the ACA’s contraceptive mandate. The court ruled the exemptions were arbitrary and capricious, leaving only narrow religious exemptions and an accommodation process in place. Employers who relied on the 2017 rules must now reassess compliance strategies, either providing coverage or working through the formal accommodation process.

Important Updates on IRS 1095-C and 1095-B Forms for 2023 Tax Year Recently, the Internal Revenue Service (IRS) released important...

If an employer filed more than 250 W-2 forms during the prior year, the aggregate cost of coverage must be included in box 12, using Code...

Why the Look-Back Method Matters The look-back measurement method exists because many employees’ hours fluctuate. Counting hours...