Employer Playbook: Key Compliance Shifts Ahead
In our latest compliance webinar,
Sr. VP David C. Smith, JD, REBC, CHVA
of eBen|Risk Strategies, reviewed key employee benefits updates
coming in 2026
1. ACA & IRS Reporting – New rules for 1095-C forms and rising affordability thresholds.
2. High-Deductible Health Plans & HSAs – Adjusted deductibles and contribution limits, plus expanded HSA uses under the One Big Beautiful Bill Act.
3. Medicare Creditable Coverage – Revised standards that may impact group health plan status.
4. Eligibility Rules – The critical importance of ensuring employees meet active-at-work and leave requirements to avoid compliance and claims issues.
This session offered practical guidance for employers navigating upcoming regulatory changes while safeguarding plan compliance and managing costs.
Watch the full webinar HERE.
2026 FSA, Commuter, and Adoption Limits
The IRS has announced 2026 contribution limit increases for several benefit programs, including health care FSAs, commuter accounts, and adoption assistance. Employers should update open enrollment materials, adjust payroll settings, and coordinate with vendors to ensure accurate implementation of the new limits by January 1, 2026.
Medicare and HSA Contributions Guide
Medicare enrollment ends HSA contribution eligibility, and contributions made after enrollment can result in excess penalties.. This guide outlines how Medicare’s effective date, retroactive coverage, and pro-rated HSA limits impact payroll and plan administration. Employers should educate employees nearing retirement to avoid tax issues and ensure compliance.
One Big Beautiful Bill Act (OBBBA) Refresher for 2026 Benefits Enrollment
The One Big Beautiful Bill Act introduces key employee benefits changes for 2026, including HSA eligibility for telehealth and direct primary care, higher dependent care FSA limits, and extended student loan relief. Employers should review plan materials and communicate updates before the new plan year begins.
Illinois Mandates Parent Coverage
Beginning in 2026, the State of Illinois will require fully insured group health plans that include dependent coverage to also cover qualifying parents or stepparents. Eligibility for coverage is based on tax and residency requirements. Employers are encouraged to confirm effective dates, update all plan documents to meet current standards, and prepare enrollment processes with carriers ahead of renewals.
COVID-19 Vaccine Rules Shift in 2025
COVID-19 vaccine rules now differ by state, with some requiring prescriptions for access. Employers should confirm plan coverage, prepare for uneven access, and communicate clearly with employees. Fully insured and self-funded plans may need different strategies during the 2025–2026 season.
