July 8, 2026
Compliance Brief | July 2026
Understanding the Medical Loss Ratio When employers purchase fully insured health coverage, they expect premium dollars to be used primarily for employee health care, not excessive administrative costs or insurer profits. One of the Affordable Care Act’s (ACA) lesser-known consumer ...
June 18, 2026
Advocacy in Action | Auditing Claims and Facilitating Refunds
A member contacted his Patient Advocate to request an audit of his eye surgery claims. He felt he might have paid the doctors too much. The Patient Advocate reviewed the bills and EOB’s and discovered that the member had definitely overpaid the surgeon by over $800. The Patient Advocate ...
June 16, 2026
Dear HR Manager | Encouraging Participation without Pressure
Our organization offers several wellness and mental health resources, but employee utilization remains low. How can we encourage participation without making employees feel pressured or invading their privacy? – Committed to Supporting Employees Dear Committed: Low utilization doesn’t ...
June 12, 2026
IRS Releases 2027 Limits for HDHPs and HSAs
The IRS recently issued Revenue Procedure 2026-24 in which it announced the 2027 inflation-adjusted amounts that apply to health savings accounts (HSAs), excepted benefit health reimbursement arrangements (EBHRAs), and high-deductible health plans (HDHPs). The newly announced figures result in ...
June 9, 2026
Workplace Culture | The Leadership Visibility Advantage
Many organizations continue to navigate hybrid work environments, evolving employee expectations, and economic uncertainty. During periods of change, one cultural factor consistently influences employee confidence: leadership visibility. Visibility is not about executives being present at every ...
June 8, 2026
Compliance Brief | June 2026
IRS Releases 2027 HSA, HDHP, and Excepted-Benefit HRA Limits The Internal Revenue Service (IRS) has released the inflation-adjusted health savings account (HSA), high-deductible health plan (HDHP), and excepted-benefit health reimbursement arrangement (HRA) limits for 2027. These annual ...
June 2, 2026
Employee Benefits | Building Benefits That Employees Actually Value
As benefit costs continue to rise, many employers are asking the question: How can we deliver meaningful value to employees without dramatically increasing spending? The answer may not be adding more benefits. Instead, it may be helping employees better understand, access, and appreciate the ...
May 21, 2026
Advocacy in Action | In Network Status for Inpatient Treatment
Imagine, your child is having severe mental health issues. You can’t help so you have to send them to an inpatient facility to get the help that they need and deserve. Then, the facility claims to be out of network. Claims are being denied and the facility tries to bill you thousands of dollars ...
May 19, 2026
Dear HR Manager | Reducing the Stress of Taking PTO
Dear HR Manager, We’re seeing employees work during vacations or avoid taking PTO altogether because they feel overwhelmed. At the same time, flexible work has blurred the line between being offline and simply working remotely. How can I encourage healthy PTO use for my team? – Supporting an ...
May 12, 2026
Workplace Culture | Rebuilding Connection in a Hybrid Environment
Over the last several years, employers have spent significant time refining hybrid work models, shrinking office spaces, and implementing flexible work policies. Yet many organizations are discovering that workplace flexibility alone does not automatically create strong workplace culture. In ...
