Newsroom

Medicare Part D creditable coverage rules are changing for plan years beginning in 2027. Here’s what brokers need to know about this fall’s 2026 notice deadline, the new 2027 testing standard, and what employers should review again at renewal.

The No Surprises Act protects patients from certain out-of-network balance bills, but the provider and health plan still have to determine what gets paid. This column explains the federal IDR process, why its use has surged, and why it’s drawing more attention in health care cost discussions.

MLR rebates can raise questions. Learn how rebates are calculated, which group health plans are subject to the rules, how employers can use rebate funds, and why employee notices may create confusion. Plus, review our carrier partner reference showing which carriers will issue MLR rebates in 2026.

California law requires comprehensive infertility coverage for California-regulated, fully insured Large Group health plans. Small Group carriers must offer at least one qualifying plan, but employers aren't required to sponsor it. Learn what DMHC guidance clarified in our July Education column.

Federal health care policy discussions don’t stay in Washington, DC – they shape premiums, plan design, and access to coverage nationwide. At NABIP’s 2026 Capitol Conference, agents and industry leaders brought a unified message to Congress on transparency, affordability, and Medicare access.

Federal law mandates health plans to report premium costs, drug use, and spending via the CAA’s RxDC program. Carriers handle reporting for insured plans, but employers may need to assist. This 2026 overview covers carrier approaches, surveys, deadlines, and where employer input is required.

January sets the tone for group health plan compliance and employee understanding. This column covers annual group size determinations, year-long settings, and why January is perfect for reinforcing benefits education as employees tackle new deductibles and rising health care costs.