Blog & Resources

In benefits compliance, knowledge isn’t just power; it’s trust. Discover how building a culture of continuous learning helps agencies strengthen relationships, stay compliant, and stand out with BCS Transform.

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.

Mid-sized employers are looking for partners who bring structure, not just expertise. They’re drawn to agencies that can show how compliance is managed across every client relationship, not just talk about it.

The One Big Beautiful Bill Act is now law, impacting HDHPs, FSAs, HSAs, and telehealth benefits starting in 2025 and 2026. Brokers must act fast: update HDHP docs, refresh ICHRA illustrations, prep Dep‑Care FSA changes, and guide clients on DPC/HSA pairings. Getting ahead now means confident renewals later.