INSURICA Employee Benefits Insights
Keeping you ahead of the risks and challenges unique to your industry.
November 2022
“According to the Kaiser Family Foundation, approximately 156,199,800 Americans receive health benefits via employer-sponsored plans.
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President Joe Biden signed the Inflation Reduction Act (IRA) into law on August 16, following House and Senate passage.
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According to the Kaiser Family Foundation, approximately 156,199,800 Americans receive health benefits via employer-sponsored plans.
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As healthcare benefits costs continue to rise, 67% of U.S. employers are focused on cost control over the next three years. This is in response to an expected 6% increase in healthcare costs in 2023, compared to the average 5% increase this year.
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Health benefits are a top priority for most employers, but hearing health is often overlooked.
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Open Enrollment Compliance: Don’t Overlook Required Employee Notices
For many employers, open enrollment is focused on benefit changes, employee elections, and preparing for the upcoming plan year. It is also an important time to review the notices and disclosures that must be provided to employees and other eligible individuals.
IRS Releases Early Signals on 2027 FSA, HSA, and HRA Limits
The IRS is beginning to release early indicators for 2027 inflation adjusted benefit limits, and benefits managers should prepare now. While final numbers will arrive later this fall, preliminary guidance suggests meaningful increases across FSAs, HSAs, and certain HRA structures
The Return of Dependent Eligibility Audits: Why Employers Are Doing Them Again
Dependent eligibility audits are making a comeback. After several years of relative quiet, employers are revisiting audits as a practical way to control costs and ensure plan integrity. The reason is simple: dependent claims are rising, and many employers are discovering that a meaningful percentage of dependents on their plans are not actually eligible. In a high trend environment, employers are looking for solutions that protect the plan without reducing employee benefits — and audits fit that need.