FH Insurance

Employers should update plan documents and payroll systems, review affordability impacts, and communicate changes during open enrollment so employees can maximize tax savings and stay compliant.

https://fh-insurance.com/irs-releases-2026-benefit-plan-limits/

Aromatherapy uses scent to help you reset, focus, or relax, with simple options that don’t add to your to-do list.

https://fh-insurance.com/supporting-wellness-with-aromatherapy/

Employers should focus on clear communication, confirm carrier guidance, and update plan materials.

https://fh-insurance.com/new-childhood-vaccination-guidelines-and-employer-impact/

Disengagement starts when “what’s next?” is unclear. Career pathing turns uncertainty into direction with visible options that keep talent invested.

https://fh-insurance.com/reducing-disengagement-through-intentional-career-pathing/

Less paper, same compliance. Post the right notice, keep it up through Oct 15, and deliver 1095 forms fast when employees request them.

https://fh-insurance.com/guidance-on-alternative-manner-for-aca-health-coverage-reporting/

New CMS LCSP data helps employers check if an ICHRA is affordable. Use the table by area and age, and keep your calculations on file.

https://fh-insurance.com/cms-lowest-cost-silver-plan-premium-look-up-table/

IRS Notice 2026-05 explains HSA changes under OBBBA. Employers should coordinate with vendors and update employee communications.

https://fh-insurance.com/irs-issues-guidance-on-hsa-related-obbba-changes/

Fully insured plans should confirm that a written agreement is in place requiring the health insurance issuer to post the MRFs.

https://fh-insurance.com/2026-transparency-in-coverage-posting-requirements/

A recent court decision shows that COBRA notice errors do not automatically result in penalties. In Marrow v. E.R. Carpenter Co., the court dismissed claims because the former employee could not prove the notice flaws caused her uninsured expenses

https://fh-insurance.com/cobra-notice-failures-result-in-no-harm/

The gag clause attestation clock is ticking. Know who’s filing, scan your contracts, and clean up any restricted data terms before Dec. 31. Stay audit-ready.

https://fh-insurance.com/annual-gag-clause-attestation-due-dec-31st/

When an employee shares information suggesting a serious health condition, supervisors must elevate concerns to HR, assess eligibility, and provide required notices. Ignoring early signs can lead to costly legal exposure.

https://fh-insurance.com/an-overlooked-fmla-risk-employers-shouldnt-miss/