The various federal agencies regularly release Affordable Care Act (ACA) and other indexed dollar limits for health and group benefit plans. We have updated the chart (last published November 2025) to reflect the recently released maximum annual limit on cost sharing, the ACA failure to offer penalty amounts, and the Health Savings Account (HSA) and high-deductible health plan (HDHP) numbers for 2027. *PCORI fee amounts are generally effective for plan years ending on or afte

New Jersey has enacted an updated newborn coverage mandate that extends the period of automatic newborn coverage from 60 days to 90 days under certain health plans. This change reflects New Jersey’s continued effort to expand dependent eligibility protections—but its applicability varies significantly based on funding arrangement. Here’s what you need to know: What This Means for Fully Insured Plans For fully insured plans in New Jersey issued or renewed on or after March 8,

The One Big Beautiful Bill Act created a new tax-advantaged vehicle called a Trump Account (TA), which is a new type of traditional individual retirement account (IRA) established by authorized individuals for the benefit of eligible children. These TAs are intended to encourage children to start saving and investing at an early age. Contributions to TAs may start July 4, 2026, and can be made by anyone, including parents/guardians, grandparents, philanthropic contributors a

Group health plan (GHP) sponsors that offer prescription drug (Rx) coverage must, at least annually, notify Medicare Part D eligible individuals and the Centers for Medicare & Medicaid Services (CMS) of their plan’s creditable coverage status. Both disclosures (to Medicare Part D eligible individuals and to CMS) must meet specific form, content and timing requirements as prescribed by CMS . This update addresses the required disclosure to CMS and reminds plan sponsors that on

The Affordable Care Act’s (ACA) enhanced premium tax credits for low-income earners needing individual coverage were first expanded under the American Rescue Plan Act (ARPA) of 2021 and extended through 2025 under the Inflation Reduction Act (IRA). These subsidies are now set to expire on December 31, 2025. This has been a hotly debated issue and was in part what Congress and the President were fighting about, which led to the government shutdown. Objectively, these enhanced