The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors.
As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.
As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end.
To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each year, such as the Affordable Care Act’s (ACA) affordability percentage and cost-sharing limits for high deductible health plans (HDHPs). Employers should review their health plan’s design to confirm that it has been updated, as necessary, for these changes.
In August 2025, a tractor-trailer owned by a third-party freight carrier was transporting thousands of pounds of frozen hot dogs when it overturned and struck another vehicle on Interstate 83 while traveling through York County, Pennsylvania, resulting in the meat products spilling across the highway. According to local authorities, the incident occurred on a weekday morning during rush-hour traffic as the tractor-trailer was nearing an exit ramp. In this moment, the driver of the truck reportedly lost control due to an undisclosed mechanical problem, causing it to tip over, hit a nearby passenger vehicle and tear open the boxes of tightly packed hot dogs in the process.
Passenger vans—which typically have an occupancy of between nine and 15 people—are used by many organizations to transport a wide range of passengers. Some of those passengers require the use of a wheelchair. Wheelchairs can either be stored as cargo when not in use or used as a seat during transport. There are many safety considerations and best practices to be aware of for those who are in charge of the loading, unloading and securement of wheelchairs and their occupants in passenger vans. These best practices are especially important when a passenger is using a wheelchair as a seat in the vehicle. As such, employees should be trained on working with different types of wheelchairs as seats in the vehicle, securing occupants in those seats and securing the wheelchair as cargo when it is not in use.
Fleet fraud refers to a host of deceptive activities that may occur amid the sale and operation of commercial vehicles and their individual assets (e.g., engine parts). Such fraud is a significant concern for any business that utilizes commercial vehicles, whether it’s a few small cars or a dozen tractor-trailers.
OSHA recently revealed its top 10 most frequently cited standards in the 2025 fiscal year using preliminary data. This information is valuable for businesses of all kinds, as it helps them identify common exposures that affect their workforce and gives them the information they need to plan their compliance programs.
October is Cybersecurity Awareness Month. During this month, the public and private sectors work together to raise awareness about the importance of cybersecurity.
All organizations, regardless of their size or industry, are at risk of being targeted by cybercriminals. These malicious actors can conduct cyberattacks, leading to significant financial, operational and reputational damage that can be difficult or impossible to recover from. Fortunately, solid cyber hygiene practices can reduce the likelihood of data breaches and other cyber incidents from occurring, and many of these practices are relatively low-cost and easy to implement.
